Medium to low coverage. If you enroll by age 60 the coverage is renewable for
life. The biggest negative is the fact that it pays for surgery in accordance to
a Surgery Schedule rather than actual cost.
BENEFITS
PLANS
Sapphire
Ruby
Emerald
Diamond
Inpatient and Day
case
Room and board including nursing service (Maximum
payable per day)
1,400
2,500
4,000
5,000
ICU room and board including nursing and service
charges (Maximum payable per day)
2,800
5,000
8,000
10,000
Hospital General
Expenses
Hospital general expenses including drugs,
dressings, X-ray, laboratory tests, physical therapy and use of operating
theatre and emergency treatment. (Maximum payable per disability)
16,000
30,000
40,000
50,000
Emergency treatment – first visit within 24 hours
of emergency and fifteen days follow up (Included in hospital general
expenses)
2,200
4,000
5,000
7,000
Ambulance – maximum per disability. (Included in
hospital general expenses)
1,000
1,000
1,000
1,000
Surgical Fee
Surgical fee per disability (pays percentage of
benefit in accordance with complexity of the procedure as per policy
schedule.)
22,000
40,000
50,000
70,000
Physicians
Fee
In-patient physician’s fees for doctor visits
(one visit per day)
300
600
900
1,200
Major
Medical
Major medical pays 80% of the basic inpatient
benefits (excluding room and board) up to the maximum shown below
Maximum Payable-Inpatient
benefit
Overall maximum inpatient benefit payable per
disability under the plan
300,000
400,000
500,000
600,000
Personal
Accident
Personal Accident – lump sum payment in the event
of death or dismemberment
20,000
40,000
60,000
100,000
Emergency
Assistance
Maximum benefit payable
Evacuation
-
-
1,000,000
1,000,000
Repatriation
-
-
1,000,000
1,000,000
Repatriation of mortal remains
-
-
1,000,000
1,000,000
Optional benefit
Outpatient (per
visit)
Outpatient Classic
400
500
1,000
1,500
Outpatient Plus
500
800
1,200
2,000
Outpatient Deluxe
600
1,000
1,500
2,500
Includes doctor consultation, drugs, X-ray and
laboratory test (maximum benefit per visit/1visit per day/maximum of 30 visits
per year)
Maternity
All eligible hospital expenses and
doctor fees including ante - natal and post - natal care
- Normal childbirth, planned caesarian and
assisted delivery eg. Forceps
30,000
30,000
30,000
30,000
- Ectopic pregnancy and emergency caesarian
section
60,000
60,000
60,000
60,000
- Miscarriage
15,000
15,000
15,000
15,000
Additional PA
Cover
Personal Accident - additional lump sum
payment in the event of death or dismemberment
