| |
IN-PATIENT
AND DAYCARE TREATMENT
|
Benefits
in US $
|
|
| 1 |
Accidents
& emergencies, intensive care & theatre costs |
Covered
in Full
|
|
| 2 |
Hospital
accommodation |
|
| 3 |
Nursing
fees, medical expenses & ancillary charges |
|
| 4 |
Surgeons',
anesthetist's , physicians' fees |
|
| 5 |
Prescribed
medicines, drugs and dressings |
|
| 6 |
Reconstructive
surgery following an accident or following surgery for an eligible
medical condition |
|
| 7 |
Prostheses
Artificial body parts and surgical appliances |
|
| 8 |
MRI and
CT scans |
|
| 9 |
X-rays,
pathology, diagnostic tests & procedures |
|
| 10 |
Oncology
tests, drugs & consultants' fees including section 11 |
|
| 11 |
cover
for chemotherapy & radiotherapy |
|
| 12 |
Physiotherapy
by a registered physiotherapist when referred by a medical practitioner,
consultant or specialist |
|
| 13 |
Parent
accommodating (with an insured child under 18 in hospital) |
|
| 14 |
Post hospitalization
treatment (received within 90 days of being discharged from
hospital). |
|
| |
Dental
Treatment: In-patient & Daycare |
|
|
| 15 |
Accidental
damage to natural teeth (treatment as an in-patient or daycare
patient) |
Not
covered
|
|
| |
Dental
Treatment: Out-Patient |
|
|
|
|
|
|
| 16 |
Emergency
treatment (for the immediate relief of dental pain and for the
restoration of natural teeth, including x-rays, fillings, extractions,
root canal treatment and gum treatment. Treatment as an out-patient. |
Not
covered
|
|
| |
OUTPATIENT
MEDICAL TREATMENT |
|
|
| 17 |
Primary
consultations and treatment family doctors', general medical
practitioners' (GPs') fees, prescribed medicines, drugs and
dressings |
|
|
| 18 |
x-rays,
pathology, diagnostic tests and procedures |
|
| 19 |
Specialists'
& consultants' fees for consultations |
|
| 20 |
Physiotherapy
|
|
|
21
|
Psychiatric
treatment (available after 12 months continuous cover under
the plan)
|
|
| 22 |
Complimentary
medicine & treatment (by chiropractors, osteopaths, homeopaths,
acupuncturists, when referred by a doctor, general medical practitioner
(GP), ) |
|
| 23 |
Oncology,
tests, drugs and consultants' fees including cover for chemotherapy
and radiotherapy
|
|
| 24 |
MRI and
CT scans |
|
| 25 |
Outpatient
surgical operations |
|
| |
OTHER
BENEFITS |
|
|
| 27 |
Emergency
road ambulance services |
Covered
in full
|
|
| 28 |
Organ transplant
(cost of the surgical procedures in performing an organ transplant
of either; kidney, liver, heart, lung or heart & lung, in
respect of the insured person as recipient & not the organ
donor) |
Covered
up to $340,000
|
|
| 29 |
Nursing
at home (primary care services of a registered nurse in the
insured person's home immediately after, or instead of inpatient
or daycare treatment) Limited to 90 days |
Covered
up to $2,550
|
|
| 30 |
Compassionate
emergency home visit. Costs incurred by an insured person for
an economy class return airfare to travel to and from an insured
person's home country in the event of an accident, injury, illness,
sickness or disease of a close family member, up to the attained
age of 75 years, resulting in that close family member being
placed on a critical list, or death of a close family member.
Limited to one trip per insured person, per year |
Not
covered
|
|
| 31 |
Hospital
cash benefit. Cash payment payable for each night where treatment
is received by an insured person as a nonpaying patient |
$425
per night (up to a max of $12,750
|
|
|
32
|
Emergency
Evacuation and Repatriation |
Covered
in Full
When
relating to inpatient and daycare treatment
|
|
| The
transportation costs of an insured person to the nearest centre
where adequate medical facilities are available. Payment of
this benefit including treatment incurred, will be subject to
the insured person suffering from a medical condition (a) that
necessitates the insured person being placed on a critical list,
or (b) for which, in Interglobal's opinion, adequate treatment
is not available in the country where such treatment is required
and/or recovery would be substantially expedited thereby. |
|
| Return
airfare economy class following an emergency medical evacuation,
to country of residence. |
|
| Travelling,
accommodation and economy class return airfare expenses for
pre-authorised costs of a close business colleague, or the insured
person's dependents, is in the case of the insured person being
a dependant, a parent or close family member, having to accompany
the insured person for an emergency medical evacuation. |
|
| 33 |
Repatriation,
burial or cremation of mortal remains (in the event of death,
the costs of air transportation of the body, mortal remains
or the ashes of an insured person, from the place of death to
the home country, or the preparation and local burial or cremation
of the mortal remains of the insured person, who dies outside
the home country) |
Covered
up to $25,000
|
|
| 34 |
Emergency
medical treatment cover outside of geographic area |
Not
covered
|
|
| |
Chronic
Medical Conditions
|
|
|
| 35 |
Maintenance
(palliative treatment and prescribed medication) |
Not
covered
|
|
| 36 |
Stabalisation
of acute exacerbation / episodes of chronic medical conditions |
Covered
within the limits shown in the inpatient daycare section
|
|
| |
Maternity
Care |
|
|
| 37 |
Normal
pregnancy and childbirth comprising normal pre-natal treatments
and examinations, normal childbirth, normal post-natal treatment
and examinations. Available after 12 months continuous cover
under the plan |
Not
Covered
|
|
| 38 |
Complications
of pregnancy and childbirth treatment of a medical condition
which arises during the antenatal stages of pregnancy, or
a medical condition which arises during childbirth and requires
a recognized obstetric procedure. Available after 12 months
continuous cover under the plan
|
Covered
up to $4,250
|
|
| 39 |
New
born accommodation, hospital accommodation costs for a new born
child to accompany its mother while she is receiving treatment
as an inpatient in a hospital for a medical condition covered
under the complications of pregnancy and childbirth benefit |
Covered
in Full
|
|
| 40 |
Termination
of pregnancy when medically necessary |
|
|
41
|
Overall
Maximum |
|
|
|
|
|
|
If during
the plan year, an insured person incurs a medical condition
Interglobal, (under the terms and condition of the plan, will
pay necesary, customary and reasonable expenses up to an overall
maximum, per insured person:-
|
|
|
|
|
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