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Standard and Comprehensive plans
A Standard Plan covers hospital or emergency treatment,
it will include 'in-patient' and 'day-care' treatment
and sometimes post hospital treatment, nursing at home,
emergency dental and complications of pregnancy. It
will not cover out-patient, routine maternity or dental
costs.
In-patient coverage includes expenses incurred when
you go into hospital for private treatment or investigations
and stay for one or more nights.
Day-patient coverage, also called Day-care or Day-case,
incurs when you go into hospital for private treatment
or investigations, but do not need to stay in the hospital
overnight.
Out-patient coverage includes expenses incurred when
you receive treatments from a doctor or investigations
or consultations that do not require you stay in hospital,
either as an in-patient or out-patient.
Comprehensive plans generally have higher budget limits
than a Standard plan. In addition to this, a comprehensive
scheme will cover all the areas that a Standard Plan
covers, plus out-patient care and specialists, and sometimes
complementary medicine, dental treatment, routine maternity
care, travel cover and personal accident insurance.
Check with one of our advisors for the coverage offered
for emergency dental treatment. Some of the features
such as dental cover, routine maternity care, and personal
accident insurance can also be arranged individually.
