Falling ill is painful enough.
Paying medical bills shouldn't be.
Benefits
In-patient Benefits
- Room & Board
(maximum 150 days)
- ICU (maximum 75 days)
- Hospital Miscellaneous Services
- Operating Theatre Fees
- Surgical Benefit
- Anaesthetist’s Fees
Pre & Post Benefits
- Pre-hospital
Diagnostic Services (within 60 days prior to admission or surgery)
- Pre-hospital
Specialist Consultation (within 60 days prior to admission or surgery)
- Post Hospital
Follow-up (within 60 days from discharge)
- Second Surgical
Opinion (within 60 days prior to surgery)
- In-hospital Dr’s
Call (max per day / max 150 days)
Out-patient Benefits
- Emergency Treatment
for Accidental Injury inclusive of Dental injury (within 24 hours & 31 days follow-up)
- Out-patient
Physiotherapy (with written referral within 90days from hospital discharge / surgery)
- Daycare procedure (inclusive of all incidental services
& supplies)
- Ambulance fees
Out-patient Benefits
- Medical prostheses (actual
expenses up to maximum benefit limit). Reimbursement of actual expenses
or benefit up to benefit limit whichever is lower. Doctor's
certification required to support claims. Special Benefit is inclusive
in Overall Annual Limit & Lifetime Limit.
- Preventive Health checks
benefits (at selected medical facilities) - once per policy year
Value Added Benefits
- Pharmacy Chain Loyalty Card
- Inclusive
- Enjoy exclusive discounts at Pharmacy Chain Stores
- Points redemption for health products
- I year Free subscription to Bi-monthly Health magazine
- Other member's only privileges
SOME Major Benefits Limitations
This product does NOT cover:
- Pre-existing illness.
- Specified Illnesses
occurring during the first 120 days of continuous cover.
- Any medical or
physical conditions arising within the first 30 days of the Insured Person’s cover or
date reinstatement whichever is latest except for accidental injuries.
- Plastic/Cosmetic surgery, circumcision, eye examination,
glasses and refraction or surgical correction of nearsightedness(Radial
Keratotomy)and the use or acquisition of external prosthetic appliances
or devices such as artificial limbs, hearing aids, implanted pacemakers
and prescriptions thereof.
- Dental conditions including dental treatment or oral
surgery except as necessitated by Accidental Injuries to sound natural
teeth occurring wholly during the Period of Insurance.
- Private nursing, rest cures or sanitaria care, illegal
drugs, intoxication, sterilization, venereal disease and its sequelae,
AIDS (Acquired Immune Deficiency Syndrome) or ARC(AIDS Related Complex)
and HIV related diseases, and any communicable diseases required
quarantine by law.
- Any treatment or surgical operation for congenital
abnormalities or deformities including hereditary conditions.
- Pregnancy, child birth (including surgical delivery),
miscarriage, abortion and prenatal or postnatal care and surgical,
mechanical or chemical contraceptive methods of birth control or
treatment pertaining to infertility. Erectile dysfunction and tests or
treatment related to impotence or sterilization.
- Hospitalization primarily for investigatory purposes,
diagnosis, X-ray examination, general physical or medical examinations,
not incidental to treatment or diagnosis of a covered Disability or any
treatment which is not Medically Necessary and any preventive
treatments, preventive medicines or examinations carried out by a
Physician, and treatments specifically for weight reduction or gain.
- Suicide, attempted suicide or intentionally
self-inflicted injury while sane or insane.
- War or any act of war, declared or undeclared, criminal
or terrorist activities, active duty in any armed forces, direct
participation in strikes, riots and civil commotion or insurrection.
- Ionizing radiation or contamination by radioactivity from
any nuclear fuel or nuclear waste from process of nuclear fission or
from any nuclear weapons material.
- Expenses incurred for donation of any body organ by an
Insured Person and costs of acquisition of the organ including all costs
incurred by the donor during organ transplant and its complications.
- Investigation and treatment of sleep and snoring
disorders, hormone replacement therapy and alternative therapy such as
treatment, medical service or supplies, including but not limited to
chiropractic services, acupuncture, acupressure, reflexology,
bone-setting, herbalist treatment, massage or aroma therapy or other
alternative treatment.
- Care or treatment for which payment is not required or to
the extent which is payable by any other insurance or indemnity
covering the Insured and Disabilities arising out of duties of
employment or profession that is covered under a Workman’s Compensation
Insurance Contract.
- Psychotic, mental or nervous disorders, (including any
neuroses and their physiological or psychosomatic manifestations).
- Costs/expenses of services of a non-medical nature, such
as television, telephones, telex services, radios or similar facilities,
admission kit/pack and other ineligible non-medical items.
- Sickness, disease, illness or Injury arising from racing
of any kind (except foot racing), hazardous sports such as but not
limited to skydiving, water skiing, underwater activities requiring
breathing apparatus, winter sports, professional sports and illegal
activities.
- Private flying other than as a fare-paying passenger in
any commercial scheduled airlines licensed to carry passengers over
established routes.
- Expenses incurred for sex changes.
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