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

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

• 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.

• 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.

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