Medical Insurance

Main coverage areas

• Inpatient care and hospitalisation
• Outpatient and specialist consultations
• Diagnostics, such as laboratory tests and scans
• Maternity, where the plan includes it
• Dental and optical, usually as add-ons
• Emergency treatment and ambulance

Key benefits

• Protection from high, unexpected medical bills
• Access to private hospitals and clinics
• Direct settlement at network hospitals, where the insurer offers it
• One group scheme for staff and their dependants
• Benefits chosen to match your needs and budget

Who it’s for

• Individuals
• Families
• Employers covering their staff
• Local and multinational firms

Important limitations

• Waiting periods before some benefits apply
• Pre-existing conditions may be excluded or limited
• Annual and per-benefit limits
• Co-payments or excesses may apply
• Cosmetic and non-essential treatment is excluded

Benefits, limits and exclusions vary by insurer and plan; the policy wording sets out the cover that applies.