Medical Insurance

A..IN-PATIENT (HOSPITALIZATION)

This caters for expenses where an insured person is confined to a hospital bed, for the purpose of closely monitored medical attention.
The scope of Cover is based on the following: –

  • Daily bed charges – net of the amount recoverable under
    • the National Hospital Insurance Fund, where applicable.
  • Professional doctors’ fees.
  • In-Hospital facilities and services.
  • Theatre charges.
  • Expenses for diagnostic examinations, such as X-rays,
    • CT Scans and Laboratory tests.
  • Consultants’/Specialists’ fees.
  • Drugs & Medicines.
  • Surgical appliances.
  • Special Exclusions.
  • Expenses arising from:-
  • Maternity care, child birth, abnormal pregnancy, disorders of the reproductive system, infertility, abortion and miscarriage.
    • Except the first ever operation for caesarean section in an insured person’s lifetime.
  • Child care in the event of an operation for caesarean section.
  • Family planning procedures.
  • Cosmetic & Beauty treatment and/or surgery (unless necessitated by injury).
  • Nature cure clinics, health hydro, sanitaria or custodial care.
  • Procedures of experimental nature and not accepted or approved by the medical profession, such as acupuncture, chiropractic treatment, etc.
  • Home nursing or hospital stay, arranged partly or wholly for domestic reasons
B. OUT-PATIENT COVER

This caters for expenses where an insured person receives medical treatment and/or services at a hospital, a doctor’s clinic, or at any other recognized health facility, without being confined to bed

The scope of Cover is based on the following: –
  • Professional doctors’ fees.
  • Charges for theatre/surgery.
  • Expenses for diagnostic examinations, such as X-rays
    • CT Scans and Laboratory tests.
  • Consultants’/Specialists’ fees.
  • Drugs & Medicines.
  • Surgical appliances.
Special Exclusions.-Expenses arising from:-
  • Maternity care, child birth, abnormal pregnancy, disorders of the reproductive system, infertility, abortion and miscarriage.
  • Family planning procedures.
  • Cosmetic & Beauty treatment and/or surgery (unless necessitated by injury).
  • Nature cure clinics, health hydro, sanitarian or custodial care.
  • Procedures of experimental nature and not accepted or approved by the medical profession, such as acupuncture, chiropractic treatment, etc.

Home nursing, arranged partly or wholly for domestic reasons.

download Download Medical Insurance – Individual 

 

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