Understanding Health Insurance
Unparalleled coverage and quality care no matter where in the world you may be.
Our Plans
The Privilege Plan
Our Privilege Health plan serves as the cost-effective superhero cape for individuals combatting health challenges. This plan offers:
- Overall policy benefit allowance of $1m
- Hospital Treatment
- Pre and post-hospitalisation, including doctor consultations
- Cancer Cover
- Evacuation and repatriation
- Outpatient benefits
- Maternity & Newborn cover
- Wellness and Health check-ups
What am I covered for?
Our Privilege 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
Think you might a different cover ElitePrivelegeGold
Level of cover
The detailed table below shows the level of coverage you have on our Privilege plan:
| ITEMS | BENEFITS TABLE | PRIVILEGE HEALTH PLANS |
|---|---|---|
| 1 | General Terms | |
| a. | Areas of cover | W/W excluding USA or Worldwide |
| b | Overall policy benefit allowance | $ 1,000,000 |
| 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 8 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) | |
| a. | Consultations, Diagnostic tests, Scan, Oncology (all cancer treatments) Surgery, Radiotherapy and Chemotherapy (1) | Full Refund |
| 5 | Out-patient treatment benefits | Limit $ 10,000 |
| a. | Kidney dialysis (1) | within OP limit |
| b. | Surgical procedures (1) | within OP limit |
| c. | Primary and Specialist care | within OP limit |
| d. | Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans (1) | within OP limit |
| e. | Emergency treatment due to accident | within OP limit |
| f. | Physiotherapy and speech therapy (1) | Up to $ 100 per session 5 sessions only after prior approval within Out-patient limit |
| g. | Pre-existing conditions | $ 2,000 after 270 consecutive days of membership within Out-patient limit |
| h | Alternative and Wellbeing Medicine | Not covered |
| 6 | Dental Treatment | |
| a. | Accidental damage to natural teeth | Full Refund |
| b | Oral and maxillofacial surgery (1) | within OP limit |
| c. | Treatment of cancers (For lesion or lump in the mouth) Pre-existing condition limitations apply to this benefit. | 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 | $ 750 per year Available only after 365 consecutive days membership |
| b. | Vaccination | Up to $750 Vaccines as per Min. of Health requirements only after 90 days membership |
| 9 | Maternity Care | |
| a. | Pre and post-natal complications | Up to $ 10,000 Available only after 365 consecutive days membership |
| b. | Normal Pregnancy and childbirth | Up to $ 10,000 Available only after 365 consecutive days membership |
| c. | New Born Baby Coverage | covered within Normal Pregnancy and childbirth limit |
| 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 | Sublimit of 14 days in-patient and 12 sessions out-patient $ 10,000 per lifetime |
| 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 a limit of $ 50,000 or Worldwide |
| 12 | Evacuation and Repatriation | Included |
| (1) Please note that any claim under this item for any treatment needs to be pre-authorized by us otherwise a 25% co-insurance will apply (2) The child must be covered by the policy and be having treatment that is covered by your policy |
||
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.