Insure yourself, your life, your family and your belongings

Benefits

• This type of insurance cover pays for an individual’s or their family’s medical cost resulting from different illnesses/diseases/conditions or accidents. Usually insurance companies enter into an agreement with health centres or hospitals to provide medical services to their clients on credit. In some instances, individuals have to pay from their own pocket and then get a refund from the insurance companies upon producing a valid receipt
  
  
• Prices for medical insurance can be determined based on different parameters such as the size of the family, age of the members, type of coverage (whether it is an individual cover or family shared cover), health history, family health background and coverage limits required

What is covered

• Outpatient: this benefit covers against the cost of daily visits to the hospital for check-up and medication. It covers consultation, diagnosis, tests and medicines prescribed
  
  
• Inpatient: this covers medical cost for hospitalisation of the client. It covers accommodation, check-ups during hospitalisation, consultations, surgeries, medication and most other patient management activities
  
  
• Dental: this covers cost of dental treatment such as filling or extraction and medication. In most policies, they exclude cosmetic treatments such as braces and other elective procedures like teeth whitening
  
  
• Optical: this covers the cost for eye testing, lenses, frames and contact lenses for correction of eyesight up to a specified cover limit
  
  
• Maternity: this covers maternity cost for pregnant women. Cost such as pre-natal clinics, delivery and post-natal clinics are covered. These cost can either be for normal delivery or caesarean delivery 

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