Understanding Health Insurance
Unparalleled coverage and quality care no matter where in the world you may be.
Our Plans
The Elite Plan
Our Elite Health plan serves as the cost-effective superhero cape for individuals combatting health challenges. This plan offers:
- Overall policy benefit allowance of $3m
- Hospital Treatment
- Pre and post-hospitalisation, including doctor consultations
- Cancer Cover
- Evacuation and repatriation
What am I covered for?
Our Elite Health plan covers you for the below vital benefits:
Hospital treatment
Inpatient and daycare treatment
Pre/Post hospitalisation recovery
60 days before admission and 90 days after the discharge
Cancer Cover
Consultations, diagnostic tests, scans, acute, surgery, Radio and chemotherapies
Evacuation and Repatriation
Evacuation in case of life-threatening conditions when not available locally
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Level of cover
The detailed table below shows the level of coverage you have on our Elite plan:
| ITEMS | BENEFITS TABLE | ELITE HEALTH PLANS |
|---|---|---|
| 1 | General Terms | |
| a. | Area of cover | W/W excluding USA or Worldwide Cover |
| b | Overall policy benefit allowance | $ 3,000,000 |
| 2 | In-patient and Day-care Treatment (1) | |
| a. | Hospital accomodation | Standard private room |
| b. | Hospital treatment (1) | Full Refund |
| c. | Surgical implants as part of the treatment (excluding any dental implants) | Full Refund |
| d. | Organ transplant (1) | Full Refund |
| e. | Reconstructive Surgery (1) | Full Refund |
| f. | In-patient Rehabilitation (1) | Included up to 28 days per event |
| g. | Parent Accommodation (2) | Included |
| h. | Home nursing (1) | Included (Max 12 weeks) |
| 3 | Pre and post-hospitalisation treatment (1) | |
| a. | Pre-hospitalisation treatment (up to 60 days before admission) | Full Refund |
| b. | Post-hospitalisation treatment (within 90 days after discharge) | Full Refund |
| 4 | Cancer Cover In-Patient, Day-Patient, Out-Patient (1) | |
| b. | Consultations, Diagnostic tests, Scan, Oncology (all cancer treatments) Surgery, Radiotherapy and Chemotherapy (1) | Full Refund |
| 5 | Out-patient treatment benefits | |
| a. | Kidney dialysis (1) | Not covered |
| b. | Surgical procedures (1) | Not covered |
| c. | Primary and Specialist care | Not covered |
| d. | Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans (1) | Not covered |
| e. | Emergency treatment due to accident | Not covered |
| f. | Physiotherapy and speech therapy (1) | Not covered |
| g. | Pre-existing conditions | Not covered |
| h | Alternative and Wellbeing Medicine | Not covered |
| 6 | Dental Treatment | |
| a. | Accidental damage to natural teeth | Included Emergency repair, 48 hours from the accident |
| b. | Oral and maxillofacial surgery (1) | Not covered |
| c. | Treatment of cancers. Pre-existing condition limitations apply | Full Refund within Overall limit |
| d. | Routine and major dental care | Not covered |
| 7 | Eye Care Benefits | |
| a. | Routine Optical Care including tests | Not covered |
| 8 | Preventive Health/Wellness Checks | |
| a. | Health Check | Not covered |
| b. | Vaccination | Not covered |
| 9 | Maternity Care | |
| a. | Pre and post-natal complications | Not covered |
| b. | Normal Pregnancy and childbirth | Not covered |
| c. | New Born Baby Coverage | Not covered |
| 10 | New Born Cover Benefits | |
| a. | Treatment of congenital conditions | Up to $ 100,000 per lifetime |
| 11 | Other Benefits | |
| a. | Local road ambulance transport | Included |
| b. | Psychiatric treatment | Not covered |
| c. | Hospice and palliative care | $ 150 per night (max 14 nights) |
| d. | Cash benefit | $ 200 per night |
| e. | Outside Area of Cover | Up to 6 weeks, up to $ 50,000 or Worldwide Cover |
| 12 | Evacuation and Repatriation | Included |
| (1) Please note that any claim under this item for any treatment needs to be pre-authorized otherwise a 25% co-insurance applies (2) The child must be covered by the policy and be having treatment that is covered by your policy. |
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Bearing in mind...
The information provided in this comparison table offers a brief overview of the available plan. It does not include the complete details, terms and conditions, limitations, or exclusions that would apply if you decide to purchase the plan. For a thorough understanding, we strongly recommend that you review the plan agreements, which contain comprehensive information. Reading these documents alongside the table of benefits will help you make an informed decision and ensure that you are fully aware of all aspects of the plan you choose.