Product Structure 2016
|
|
- Allen Nichols
- 5 years ago
- Views:
Transcription
1 Product Structure 2016 is now part of
2 Welcome to Wanthanzi Health Plan Wanthanzi Health Plan was established in 2006 as a medical aid scheme to provide essential affordable care to more people in Zambia. It is a truly Zambian registered health plan and the accumulated funds are maintained in Zambia and reinvested here. Contributions and claims are collected and paid out from a Zambian based banking account in the local currency, Kwacha. Wanthanzi Health Plan provides medical aid cover for members seeking affordable cover in the private sector. The health plan is administered by Metropolitan Life Zambia. Metropolitan Life Zambia is a member of MMI holdings group, a Johannesburg Stock Exchange listed entity that was created out of the merger between two reputable companies namely: Momentum (founded in 1966) and Metropolitan (founded in 1897). MMI Holdings Limited (MMI) is a leading insurance based financial services company providing product solutions across all market segments with an embedded value of R40 billion. MMI s core business is long and short - term insurance, asset management, savings, investment, health care adminstration and employee benefits. Assets under management total over R275 billion with the total number of health lives under administration of over 3 million people. The group has enjoyed phenomenal growth in the African continent with operations in 13 countries. Metropolitan has been able to tailor-make health products designed to cater for the specific needs of each of the countries in which it operates. These countries are; South Africa, Lesotho, Zambia, Botswana, Mozambique, Tanzania, Kenya, Ghana, Mauritius, Namibia, Malawi, Swaziland and Nigeria. This handbook gives you an easy to understand scheme summary of the Wanthanzi Health Plan. Contacts: /8, , Cell / Or visit us on 1
3 Why choose Wanthanzi? You are assured of a financially sound and secure health plan The scheme, administered by Metropolitan Life Zambia, offers both financial stability and sustainability to ensure continued access to healthcare cover at a reasonable cost. Your service satisfaction is our priority At Wanthanzi we are committed to a culture of caring and strive to understand the healthcare needs of our members. We have a dedicated call centre located in Lusaka, with additional service consultants looking after the well-being of our members. 2
4 Product Composition Disease Management Hospital Benefits Emergency Evacuation MAJOR MEDICAL YOUR HEALTHCARE NEEDS DAY - TO - DAY Medicine Management Disclaimer This brochure does not supercede the rules of the plan, a copy of which is available on request. Health Advise Line Primary Care Benefits Special Benefits Health Advice Line HIV Wellness Programme Emergency Evacuation Fit@Work Rewards 3
5 4
6 Additional Benefits In addition to offering comprehensive medical care, Wanthanzi Health Plan includes the following additional benefits for all options: Beyond Life Benefit This benefit will be payable towards funeral expenses upon the unfortunate event of the death of the principal member, registered adult dependant or registered children. Accidental Death Benefit A lump sum payment in the event of death of the principal member due to an accident. Premium Waiver Following the death of the principal member, contributions for the registered dependants will be paid for a period of 12 calendar months. 5
7 6 For Tiny Newbies Special hamper for every baby born on the Scheme. Get yours today! Terms and conditions apply is now part of
8 17
9 8
10 Essential Option Hospital benefit Annual Limit - ZMW 18,500 per beneficiary per annum Benefits payable at 100% of agreed tariff (Zambia Price List). In Patient Benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anesthesia etc Hospital Limit - ZMW 14,500 per beneficiary per annum Major Disease Benefit Hospitalisation in General Ward and Specialised Ward General Practitioners and Specialists Prosthesis Neonatal care and premature births Circumcision (per beneficiary per annum) ZMW 860 Medical and Surgical Applicances Specialised Radiology MRI / CT Scans Renal Dialysis Oncology / Chemotherapy Medicine to take home (TTO) Maternity Maxilla-Facial Surgery Psychiatric hospitalisation Radiology and Pathology Ambulance (in country only) Air/Cross Boarder Evacuation Repatriation Medical motivation required Subject to enrolment on oncology programme 3 days supply Not covered Included 9
11 General Practitioners and Specialists Consultations Primary Care Benefit Annual Limit - ZMW 4,000 per beneficiary per annum Beyond Life Benefit Chronic Medication ZMW 3,500 Glucometer and Strips for Insulin Dependant Chronic Members Procedures Acute Medication Radiology and Pathology 1 Glucometer per Insulin dependant chronic member Max 300 Gluco-Sticks per annum Basic Dentistry (per beneficiary per annum) ZMW 900 Advanced Dentistry Physiotherapy ZMW 1,300 Antenatal Auxiliary Services ZMW 900 Optometry including optometrist consultation ZMW 900 Mono/Bi/Multifocal Lenses/frames This benefit will be payable towards funeral expenses upon the unfortunate event of the death of principal member, registered spouse or registered children. Main Member ZMW 5,000 Adult Dependant ZMW 5,000 Child Dependant ZMW 2,000 Hello Doctor ADDITIONAL BENEFITS Within optometry benefit (every two years) Digital doctor included Accidental Death Cover (Main Member only) ZMW 5,000 Health Premium Waiver Contributions for 12 months from date of death of a PRINCIPAL MEMBER 10
12 Essential Plus Option hospital Benefit Annual Limit - ZMW 29,250 per beneficiary per annum Benefits payable at 100% of agreed tariff (Zambia Price List). In Patient Benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anesthesia etc Hospital Limit - ZMW 22,500 per beneficiary per annum Major Disease Benefit Hospitalisation in General Ward and Specialised Ward General Practitioners and Specialists Prosthesis Neonatal care and premature births Circumcision (per beneficiary per annum) ZMW 940 Medical and Surgical Applicances Specialised Radiology MRI / CT Scans Renal Dialysis Oncology / Chemotherapy Medicine to take home (TTO) Maternity Maxilla-Facial Surgery Psychiatric hospitalisation Radiology and Pathology Ambulance (in country only) Air/Cross Boarder Evacuation Repatriation Medical motivation required Subject to enrolment on oncology programme 3 days supply Not covered Included 11
13 General Practitioners and Specialists Consultations Chronic Medication Glucometer and Strips for Insulin Dependant Chronic Members Procedures Acute Medication Radiology and Pathology Primary Care Benefit Annual Limit - ZMW 6,750 per beneficiary per annum Beyond life benefit 1 Glucometer per Insulin dependant chronic member Max 300 Gluco-Sticks per annum Basic Dentistry (per beneficiary per annum) ZMW 1,500 Advanced Dentistry Physiotherapy ZMW 1,400 Antenatal Auxiliary Services ZMW 1,140 Optometry including optometrist consultation ZMW 1,500 Mono/Bi/Multifocal Lenses/frames Within optometry benefit (every two years) This benefit will be payable towards funeral expenses upon the unfortunate event of the death of principal member, registered spouse or registered children. Main Member ZMW 5,000 Adult Dependant ZMW 5,000 Child Dependant ZMW 2,000 Hello Doctor ADDITIONAL BENEFITS Digital doctor included Accidental Death Cover (Main Member only) ZMW 5,000 Health Premium Waiver Contributions for 12 months from date of death of a PRINCIPAL MEMBER 12
14 Extender Option hospital benefit Annual Limit - ZMW 96,130 per beneficiary per annum Benefits payable at 100% of agreed tariff (Zambia Price List). In Patient Benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anesthesia etc Hospital Limit - ZMW 87,500 per beneficiary per annum Major Disease Benefit Hospitalisation in General Ward and Specialised Ward General Practitioners and Specialists Prosthesis High Care & Intensive Care Neonatal care and premature births ZMW 9,300 per prosthesis 3 days per hospital episode 3 days per hospital episode Circumcision (per beneficiary per annum) ZMW 4,380 Medical and Surgical Applicances ZMW 4,600 per Family per annum Specialised Radiology MRI/CT Scans Secondary Step Down facilities Renal Dialysis Oncology/Chemotherapy Organ Transplant Medicine to take home (TTO) Maternity Maxilla-Facial Surgery Psychiatric hospitalisation Radiology and Pathology Ambulance (in country only) Air/Cross Boarder Evacuation Repatriation Compassionate travel for one parent accompanying the minor Medical motivation required Not covered Subject to enrolment on oncology programme Not covered 5 days supply 3 days per annum Not covered Included Not covered 13
15 General Practitioners and Specialists Consultations Chronic Medication Glucometer and Strips for Insulin Dependant Chronic Members Primary care benefit Annual Limit - ZMW 8,630 per beneficiary per annum beyond life benefit 1 Glucometer per Insulin dependant chronic member Max 300 Gluco-Sticks per annum Procedures ZMW 1,500 Personal health Assessment Not Covered Acute Medication Radiology and Pathology Basic Dentistry (per beneficiary per annum) ZMW 1,780 Advanced Dentistry Physiotherapy ZMW 1,500 Antenatal Auxiliary Services ZMW 1,500 Optometry including optometrist consultation ZMW 1,780 Mono/Bi/Multifocal Lenses/frames Within optometry benefit (every two years) This benefit will be payable towards funeral expenses upon the unfortunate event of the death of principal member, registered spouse or registered children. Main Member ZMW 5,000 Adult Dependant ZMW 5,000 Child Dependant ZMW 2,000 Hello Doctor ADDITIONAL BENEFITS Digital doctor included Accidental Death Cover (Main Member only) ZMW 5,000 Health Premium Waiver Contributions for 12 months from date of death of a PRINCIPAL MEMBER 14
16 Premier Option Hospital benefit Annual Limit - ZMW 842,000 per beneficiary per annum Benefits payable at 100% of agreed tariff (Zambia Price List). In Patient Benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anesthesia etc Hospital Limit - ZMW 825,000 per beneficiary per annum Major Disease Benefit Hospitalisation in General Ward and Specialised Ward General Practitioners and Specialists Prosthesis High Care & Intensive Care ZMW 27,650 per prosthesis 10 days per hospital episode Neonatal care and premature births 10 days per hospital episode - subject to a limit of ZMW 77,600 Circumcision (per beneficiary per annum) ZMW 5,630 Medical and Surgical Applicances ZMW 6,500 per family per annum Specialised Radiology MRI/CT Scans Secondary Step Down facilities Renal Dialysis Oncology/Chemotherapy Organ Transplant Medicine to take home (TTO) Maternity Maxilla-Facial Surgery Psychiatric hospitalisation Radiology and Pathology Ambulance (in country only) Air/Cross Boarder Evacuation Repatriation Compassionate travel for one parent accompanying the minor Medical motivation required ZMW 27,900 per family per annum ZMW 88,800 per family per annum Subject to enrolment on oncology programme 10 days supply 7 days per annum Included Return economy class ticket and US$ 100 allowance per day (max 14 days) 15
17 General Practitioners and Specialists Consultations Chronic Medication Glucometer and Strips for Insulin Dependant Chronic Members Procedures primary care benefit Annual Limit - ZMW 17,000 per beneficiary per annum beyond life benefit 1 Glucometer per Insulin dependant chronic member Max 300 Gluco-Sticks per annum ZMW 4,480 per ben per annum Personal health Assessment 1 per ben per annum Acute Medication Radiology and Pathology Basic Dentistry (per beneficiary per annum) Advanced Dentistry Physiotherapy Antenatal ZMW 2,550 per ben per annum ZMW 4,480 per ben per annum ZMW 2,300 per ben per annum Auxiliary Services Optometry including optometrist consultation Mono/Bi/Multifocal Lenses/frames ZMW 2,290 per ben every two years This benefit will be payable towards funeral expenses upon the unfortunate event of the death of principal member, registered spouse or registered children. Main Member ZMW 10,000 Adult Dependant ZMW 10,000 Child Dependant ZMW 4,000 Hello Doctor ADDITIONAL BENEFITS Within optometry benefit (every two years) Digital doctor included Accidental Death Cover (Main Member only) ZMW 10,000 Health Premium Waiver Contributions for 12 months from date of death of a PRINCIPAL MEMBER 16
18 Advanced Option hospital benefit Annual Limit - Unlimited per beneficiary per annum Benefits payable at 100% of agreed tariff (Zambia Price List). In Patient Benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anesthesia etc Hospital Limit - Unlimited per beneficiary per annum Major Disease Benefit Hospitalisation in General Ward and Specialised Ward General Practitioners and Specialists Prosthesis High Care & Intensive Care Neonatal care and premature births Unlimited Unlimited Unlimited ZMW 33,800 per prosthesis 10 days per hospital episode 10 days per hospital episode - subject to a limit of ZMW 116,400 Circumcision (per beneficiary per annum) ZMW 5,880 Medical and Surgical Applicances ZMW 8,450 per family per annum Specialised Radiology MRI/CT Scans Secondary Step Down facilities Renal Dialysis Oncology/Chemotherapy Organ Transplant Medicine to take home (TTO) Maternity Maxilla-Facial Surgery Psychiatric hospitalisation Radiology and Pathology Ambulance (in country only) Air/Cross Boarder Evacuation Repatriation Compassionate travel for one parent accompanying the minor Medical motivation required ZMW 42,250 per family per annum Unlimited Subject to enrolment on oncology programme Unlimited 10 days supply 10 days per admission Unlimited Unlimited Unlimited Included Return economy class ticket and US$100 allowance per day (max 14 days) 17
19 General Practitioners and Specialists Consultations Chronic Medication Glucometer and Strips for Insulin Dependant Chronic Members Procedures Primary care benefit Annual Limit - ZMW 34,160 per beneficiary per annum beyond life benefit 1 Glucometer per Insulin dependant chronic member Max 300 Gluco-Sticks per annum ZMW 11,960 per ben per annum Personal health Assessment 1 per ben per annum Acute Medication Radiology and Pathology Basic Dentistry (per beneficiary per annum) Advanced Dentistry Physiotherapy Antenatal Auxiliary Services Optometry including optometrist consultation Mono/Bi/Multifocal Lenses/frames ZMW 5,080 per ben per annum ZMW 11,960 per ben per annum ZMW 4,100 per ben per annum ZMW 3,450 per ben every two years This benefit will be payable towards funeral expenses upon the unfortunate event of the death of principal member, registered spouse or registered children. Main Member ZMW 10,000 Adult Dependant ZMW 10,000 Child Dependant ZMW 4,000 Hello Doctor ADDITIONAL BENEFITS Covered under Optometry Benefit Digital doctor included Accidental Death Cover (Main Member only) ZMW 10,000 Health Premium Waiver Contributions for 12 months from date of death of a PRINCIPAL MEMBER 18
20 Lusaka Telephone: / 8 or Facsimile: Cell: or info@ metropolitanzm.com Kitwe Telephone: Facsimile:
B e n e f i t O p t i o n s
2018 Benefit Options 2018 What determines your decision to join a medical aid? At Selfmed we cut straight to the Is it the add-on s, you know the free gym membership and movie tickets or, is it the reliable
More informationWhat are your options for 2018?
What are your options for 2018? MEDXXI R 1,760.00 R 1,750.00 R 899.00 Unlimited hospital cover at any of the Scheme s Designated Hospitals, paid at 100% of Agreed Tariff 25 PMB Chronic Conditions Ante-natal
More informationValue for money. Providing affordable, accessible and quality health care to our members. Health & Lifestyle benefits REMEMBER
Value for money The total monthly contribution for 2018 is provided below. These amounts exclude any employer subsidy. The schemes average weighted contribution increase for 2018 is 9.3% All benefit limits
More informationBENEFITS BROCHURE Nurture your health
BENEFITS BROCHURE 2016 Nurture your health ABOUT US The Chartered Accountants Medical Aid Fund (CAMAF), which was established in 1951, was originally designed for accounting professionals and offers superior
More informationAXIS. CompCare Wellness Medical Scheme. Information and Benefit Guide 2018
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / AXIS CompCare Wellness Medical Scheme Information and Benefit Guide 2018 VICTORY / ACTIVE / DYNAMIC / EVOLVING
More informationEvolving with you BENEFITS BROCHURE 2017
Evolving with you BENEFITS BROCHURE 2017 About Us The Chartered Accountants Medical Aid Fund (CAMAF), which was established in 1951, was originally designed for accounting professionals and offers superior
More informationThe NetworX Efficiency Discounted Option 2014
The NetworX Efficiency Discounted Option 2014 YOU CAN LOOK FORWARD TO EXCEPTIONAL VALUE AND BENEFITS FOR 2014 NetworX (Lims Option) The NetworX Efficiency Discounted (ED) Option The NetworX ED option is
More informationSALGA REFERENCE GUIDE. Feel confident that someone is always on your side.
2014 SALGA REFERENCE GUIDE Feel confident that someone is always on your side. CHOOSING A PRODUCT ACCORDING TO YOUR LIFESTYLE NEEDS: I need quality care where I control my benefits Bonitas offers you
More informationCHOOSING A PRODUCT ACCORDING TO YOUR LIFESTYLE NEEDS:
Feel confident that someone is always on your side. 2014 CHOOSING A PRODUCT ACCORDING TO YOUR LIFESTYLE NEEDS: I need quality care where I control my benefits Bonitas offers you unlimited hospitalisation
More informationbenefits guide 2017 euro POund sterling us dollar swiss franc
2017 EURO POUND STERLING US DOLLAR SWISS FRANC Tailor your Cigna expatplus Insurance Choose your core plan You can choose from 3 plans: Globe Orbit Universe You can choose from 2 areas of cover: Worldwide
More informationACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES
ACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES WELCOME TO ELIXI MEDICAL INSURANCE PURPLE PLAN - PRIMARY AND HOSPITAL CARE Elixi Medical Insurance aims to make private healthcare
More informationFREQUENTLY ASKED QUESTIONS
Web:www.gapcover.co.za / Tel: 0861 333 128 What is GapCover? GapCover provides cover for the difference in the amount charged by a Registered Medical Professional and the Medical Scheme Rate for services
More informationMEDICAL AID COVER GUIDE 2017
MEDICAL AID COVER GUIDE 2017 Visa Regulations for study in South Africa All international students taking up studies in South Africa must comply with the Visa Regulations in the Immigration Act (Act No.
More informationPrivate Hospital Package
Private Hospital Package Benefits Summary Vol 1: 2018 The Private Hospital Cover Your Cimas Private Hospital card gives you access to Private and Public Healthcare Institutions. Private Hospital Package
More informationUCT - MEDICAL AID COVER GUIDE 2018
UCT - MEDICAL AID COVER GUIDE 2018 Visa Regulations for study in South Africa All international students taking up studies in South Africa must comply with the Visa Regulations in the Immigration Act (Act
More informationmarketing brochure 2012
marketing brochure 2012 contents Why Momentum Health? 2 Options: 3 Ingwe Option 5 Access Option 7 Custom Option 9 Incentive Option 11 Extender Option 13 Summit Option Health Platform Benefit 15 17 Individual
More informationExpatPlus Benefits Guide Effective 1 st January 2008
In the tables below we have summarised the benefits applicable for each product option. Please refer to the general conditions for full benefit details and definitions. All benefits shown are per insured
More informationAll sub-limit sums insured are the maximum per Insured Person, per Period of Insurance unless otherwise stated
Schedule of Cover Developed by All sub-limit sums insured are the maximum per Insured Person, per unless otherwise stated Annual maximum limit per individual insured person AED 1,000,000 AED 5,000,000
More informationCompCare Wellness Medical Scheme SYMMETRY. Information and Benefit Guide 2018
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / CompCare Wellness Medical Scheme SYMMETRY Information and Benefit Guide 2018 VICTORY / ACTIVE / DYNAMIC / EVOLVING
More informationFocus on the Custom Option
Focus on the Custom Option The Custom Option provides cover for hospitalisation in private hospitals. There is no overall annual limit for hospitalisation. You can choose to have access to any hospital,
More informationUNISAVE Information and Benefit Guide CompCare Wellness Medical Scheme
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / CompCare Wellness Medical Scheme UNISAVE Information and Benefit Guide 2018 VICTORY / ACTIVE / DYNAMIC / EVOLVING
More informationPINNACLE. CompCare Wellness Medical Scheme. Information and Benefit Guide 2018
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / CompCare Wellness Medical Scheme PINNACLE Information and Benefit Guide 2018 VICTORY / ACTIVE / DYNAMIC / EVOLVING
More informationBENEFIT OPTION 2017 ACTIVE REASONS WHY THE LA ACTIVE OPTION IS THE BEST CHOICE FOR YOU
ACTIVE BENEFIT OPTION 2017 REASONS WHY THE LA ACTIVE OPTION IS THE BEST CHOICE FOR YOU This Option has a Major Medical Benefit for all in-hospital and large expenses. It provides cover for medicine for
More informationGlobalHealth. Health insurance for expatriates. The Plan
www.william-russell.co.uk Health insurance for expatriates The Plan Health Insurance For Expatriates GLOBAL HEALTH FROM WILLIAM RUSSELL BECAUSE YOU VALUE YOUR HEALTH Looking after your health should be
More informationCompCare Wellness Medical Scheme. Product Summary Administered by
CompCare Wellness Medical Scheme Product Summary 2014 Administered by CompCare Wellness Medical Scheme CompCare Wellness has implemented overall benefit and limit enhancements of 6% across all options
More informationMUMED. i Ef f i c i e n c y D. CompCare Wellness Medical Scheme. Information and Benefit Guide Di s -C hem. tc a
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / CompCare Wellness Medical Scheme Di s -C hem Pharmacists who care MUMED Yo u Ne re in tc a re saf e ha nds Information
More informationSummary of changes 2018
Summary of changes 2018 This document outlines the 2018 changes to Momentum Health s benefits per option. Ingwe Option The overall annual limit will be increased to R1 260 000 per family. Annual sub-limits
More informationDYNAMIX. CompCare Wellness Medical Scheme. Information and Benefit Guide 2018
/ DYNAMIC / EVOLVING / PROGRESSIVE / CHAMPIONS / WINNING / SUCCESS / ENERGY / INSPIRATION / CompCare Wellness Medical Scheme DYNAMIX Information and Benefit Guide 2018 VICTORY / ACTIVE / DYNAMIC / EVOLVING
More informationIntegraGlobal. Health plans about you, Family health plans you can trust. PremierLife & PremierFamily Table of Benefits for the UAE
Health plans about you, Family health plans you can trust. for the UAE Underwritten by SALAMA-Islamic Arab Insurance Co. (P.S.C.) IntegraGlobal Important Contact Information for your Integra Global Health
More informationHEALTH PLANS COMPARISON TABLE LATIN AMERICA & THE CARIBBEAN (EXCLUDING BRAZIL & MEXICO)
MAXIMUM COVERAGE US$ 5,000,000 US$ 2,000,000 (US$ 1,500,000 OPTIONAL) (US$ 1,500,000 OPTIONAL) COVERAGE & THE CARIBBEAN ELIGIBILITY UP TO 70 S OF AGE UP TO 70 S OF AGE UP TO 50 S OF AGE UP TO 70 S OF AGE
More informationAbout PA Group. Our Mission
Global Health Plans About PA Group PA Group was founded in 2005 by two former General Electric executives with a passion for helping people prepare for the future. Since its inception, PA Group has successfully
More informationStaff Care Solutions. Quality, affordable healthcare solutions for the low-income market
Staff Care Solutions Quality, affordable healthcare solutions for the low-income market Why the need for low-income healthcare solutions? Access to healthcare is an integral component to an employee s
More informationBenefits Table. Your Health First. Worldwide Plans. effective 1/1/ Additional Options
Maternity - waiting period of 12 months applies - benefit limits on a per pregnancy basis - elective caesarean surgery excluded - Pregnancy 8% Not 8% Not Not Not Not - Childbirth The covered amount includes
More informationANNEXURE : 1 FLEXI - DUBAI PLANS - OPTION 1
ANNEXURE : 1 FLEXI - DUBAI PLANS ( OPTION 1 ) Applicable only for (DXB visa holders) with Gross Salary Above AED 4,000. Preexisting & chronic conditions will be covered only for declared cases: - New membership-
More informationBenefits Table effective 1/1/2018
Your Health First Southeast Asia Plans Exclusively for residents of Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam Benefits Table effective 1/1/2018 Administrators A Plus
More informationSES Zambia. Local and International Comprehensive. Giving healthcare a human touch. -zambia.com
SES Zambia Local and International Comprehensive Giving healthcare a human touch www. -zambia.com Our Local & International Cover provides members with Comprehensive Cover. Local & International Comprehensive
More informationComprehensive. Extensive in-hospital and out-of-hospital cover with wide-ranging day-to-day cover. With LA Comprehensive as a Benefit Option you get:
Comprehensive Extensive in-hospital and out-of-hospital cover with wide-ranging day-to-day cover. With LA Comprehensive as a Benefit Option you get: Unlimited private hospital cover Cover for Chronic Illness
More information2015 N ARISO OMP C PLANS
2015 BENEFITS Maximum coverage per person Unlimited US$5,000,000 US$2,000,000 per Policy Year Age limit to apply 75 75 75 Waiting Period 30 days 30 days 30 days HOSPITALIZATION BENEFITS Coverage outside
More informationSIZWE MEDICAL FUND SIZWE AFFORDABLE OPTION. ANNEXURE B BENEFITS (Effective 1 January 2007)
SIZWE MEDICAL FUND SIZWE AFFORDABLE OPTION ANNEXURE B BENEFITS (Effective 1 January 2007) A B ENTITLEMENT TO BENEFITS Subject to the provisions of Rule 6 and Rule 12 and to the conditions stipulated in
More informationPriority Series PRIORITY SERIES PLAN SUMMARY CLASSIC ESSENTIAL
Priority Series 2014 PRIORITY SERIES PLAN SUMMARY 2014 CLASSIC ESSENTIAL KEY FEATURES Classic Essential Unlimited cover in any private hospital Guaranteed full cover in hospital for specialists on a payment
More informationAnglovaal Group Medical Scheme
Anglovaal Group Medical Scheme Benefit Brochure 2018 Your Scheme The Anglovaal Group Medical Scheme is a registered medical scheme under the Medical Schemes Act 1998. The Scheme is a restricted access
More informationEssential Health Plans Affordable International Regional Health Insurance
Essential Health Plans 2017 Affordable International Regional Health Insurance William Russell is a leading independent, one-stop provider of affordable, international health insurance To us, you re a
More informationTHE NETWORX EFFICIENCY DISCOUNTED OPTION
WINNER OF AN INDUSTRY AWARD FOR EXCELLENCE Service to Membership - Open Medical Scheme - CompCare Wellness Medical Scheme THE NETWORX EFFICIENCY DISCOUNTED OPTION Information and benefit guide - 2016 Lims
More informationACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES
ACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES WELCOME TO ELIXI MEDICAL INSURANCE BLACK PLAN - PRIMARY AND HOSPITAL CARE Elixi Medical Insurance aims to make private healthcare affordable
More informationTHE ORIENTAL INSURANCE CO. LTD.
Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS GENERAL BENEFITS Adult: 18 Years Child: 31 days Adult: Up to
More informationREASONS WHY THE LA KEYPLUS OPTION IS THE BEST CHOICE FOR YOU
KEYPLUS BENEFIT OPTION 2017 REASONS WHY THE LA KEYPLUS OPTION IS THE BEST CHOICE FOR YOU This LA KeyPlus Option provides hospital cover, Prescribed Minimum Benefit Chronic Disease List cover and day-to-day
More informationTHE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
More informationBuild your own kind of healthy Aetna Pioneer Benefits schedule
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Build your own kind of healthy 5000 Benefits schedule GBP For plans with a start date on or after 1 January 2016
More information1. BENEFICIARIES 2. MEMBERSHIP
RULES, REGULATIONS, CONTRIBUTIONS AND BENEFITS OF THE FURNMED SICK BENEFIT SOCIETY hereinafter referred to as ( The Society or The Furnmed Sick Benefit Society ) 1. BENEFICIARIES A member in good standing
More informationInternational Expat Insurance Package
International Expat Insurance Package Benefit Overview 1 Main Features Comprehensive Medical Plan Medical Expense Benefit up to 3.000.000/$3.750.000 Worldwide excluding USA coverage zone Multilingual Client
More informationBe Fit 3 Employee Plan Your Benefits at a Glance
Be Fit 3 Employee Plan Your Benefits at a Glance 3 Welcome to your Be Fit 3 Plan from Irish Life Health Welcome to Irish Life Health Our members health and wellbeing is at the heart of everything we do.
More informationFocus on the Summit Option
Focus on the Summit Option The Summit Option provides cover for hospitalisation at any private hospital. There is no overall annual limit for hospitalisation. Extensive day-to-day and chronic benefits
More informationHOSPITAL BENEFIT MAJOR MEDICAL
Spectra Cyan HOSPITAL BENEFIT MAJOR MEDICAL CHRONIC MY SAVER SPECTRA CYAN IS BEST SUITED FOR: Young starter families Healthy members who value their day-to-day healthcare cover People who require adequate
More informationSpectra Capri. is best suited for:
Spectra Capri HOSPITAL BENEFIT MAJOR MEDICAL CHRONIC MY SAVER Spectra Capri is best suited for: Young individuals, couples and starter families Healthy members with growing healthcare needs People who
More informationSpectra Cyan. is best suited for:
Spectra Cyan HOSPITAL BENEFIT MAJOR MEDICAL CHRONIC MY SAVER Spectra Cyan is best suited for: Young, starter families Healthy members who value their day-to-day healthcare cover People who require adequate
More informationFocus on the Incentive Option
Focus on the Incentive Option The Incentive Option provides cover for hospitalisation in private hospitals. There is no overall annual limit for hospitalisation. You can choose to have access to any hospital,
More informationContractors International Health Plan
Exclusive, affordable international medical insurance for contractors As a contractor, finding good quality, affordable health insurance can be difficult at the best of times particularly when you are
More informationALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE
HOSPITAL ACCOMMODATION INCLUDING CONFINEMENTS SUBJECT TO PRE-AUTHORISATION ATTENDING DOCTORS AND SPECIALISTS CONSULTATIONS MEDICAL AND SURGICAL PROCEDURES INCLUDING CONFINEMENTS AUXILIARY HEALTHCARE IN
More informationGLOBALIS. International Health Insurance Group. Underwritten by QBE Insurance (Singapore) Pte Ltd
GLOBALIS International Health Insurance Group Underwritten by QBE Insurance (Singapore) Pte Ltd Oct 2018 01 Table of Contents Reassurance Delivered Around the World 02 About Us 05 Tailor Your Plan Design
More informationExpatriate Health Insurance U.S. coverage. Care
Expatriate Health Insurance U.S. coverage Care PA Group offers comprehensive expatriate healthcare solutions so you can focus on what matters most. In this schedule of benefits you will find detailed information
More informationTHE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
More informationThe Product offerings differ from each other on the basis of the following criteria:
blueprint2009 The BESTmed product offering The BESTmed product offering is extensive with seven options that meet the unique and individualistic healthcare needs of our members. We have taken great care
More informationAnglovaal Group Medical Scheme
Anglovaal Group Medical Scheme Benefit Brochure 2019 Your Scheme The Anglovaal Group Medical Scheme is a registered medical scheme under the Medical Schemes Act 1998. The Scheme is a restricted access
More informationBENEFITS SCHEDULE. MyHEALTH. Please print only if necessary
BENEFITS SCHEDULE MyHEALTH www.april-international.com Please print only if necessary MyHEALTH BENEFITS SCHEDULE This s schedule provides a summary of the cover we provide per period of insurance unless
More informationESENCIAL PREMIUM EXCELLENT
is a health insurance Company of national recognition, expert in health care that has more than 50 years of experience in its sector. It was born with the objective of guaranteeing its clients with an
More informationBenefit Schedule Singapore WorldCare Essential - Individuals and families Plan
Benefit Schedule Singapore WorldCare - Individuals and families Plan Benefit Annual Maximum Plan Limit 24/7 helpline and assistance services available on all Plans USD 3m/ SGD 3.9m 1. Maintenance of Chronic
More informationWhy do you need Gap Cover?
gap cover Gap Cover At Sanlam we re in the business of planning for tomorrow. Of safeguarding futures. And while we wish we could guarantee you a happy-go-lucky, trouble-free future, unfortunately challenges
More informationAviva Global Lifecare. A global protection and healthcare solution for expatriates
Aviva Global Lifecare A global protection and healthcare solution for expatriates A personal life and healthcare protection all around the world As a global citizen, you travel the world to work. While
More informationYOUR CONTRIBUTIONS AND BENEFITS FOR 2018
TCOE WOOLTRU HEALTHCARE FUND YOUR CONTRIBUTIONS AND BENEFITS FOR 2018 PAGE 2 YOUR CONTRIBUTIONS AND DAY-TO-DAY BENEFIT LIMITS FOR 2018 3 BENEFITS 1 MAJOR MEDICAL EXPENSES IN HOSPITAL, OUT OF HOSPITAL,
More informationCOMPARING HEALTH PLANS
COMPARING HEALTH PLANS Oman Insurance Company (P.S.C.) is the local insurer and administrator in the UAE. Plans are designed and internationally administered by Bupa Global. Full details of the benefits,
More informationGLOBALIS. International Health Insurance Individual & Family. Underwritten by QBE Insurance (Singapore) Pte Ltd
GLOBALIS International Health Insurance Individual & Family Underwritten by QBE Insurance (Singapore) Pte Ltd Oct 2018 01 Table of Contents Reassurance Delivered Around the World 02 About Us 05 Flexibility
More information+44 (0) Affordable medical insurance which is with you wherever you go
+44 (0)1242 584 558 Affordable medical insurance which is with you wherever you go exclusive medical insurance created for international contractors Exclusive, affordable medical insurance for international
More informationPLUS PLAN SUMMARY OF BENEFIT AND CONTRIBUTION CHANGES FOR 2016
PLUS PLAN SUMMARY OF BENEFIT AND CONTRIBUTION S FOR 2016 Contributions on the Plus Plan for 2016 will increase by approximately 9.5 across all family sizes (Bankmed average: 7.8). Please also note that
More informationWelcome and introduction Industry Drivers Scheme strategy Benefit Changes for 2009 Product summary Managed Care Initiatives.
Member Training Welcome and introduction Industry Drivers Scheme strategy Benefit Changes for 2009 Product summary Managed Care Initiatives Agenda Industry Drivers Legislation Medical Schemes Amendment
More informationBenefit Bronze Silver Gold Plus
Lifetime per Individual Insured Person $2.5M $5M $5M A. In-Patient & Day-Patient Treatment 1 2 Surgery, Surgeons, Consultants, Second Surgical Opinion, Medical Practitioners, Nurses, Treatment, Services
More informationTable of Benefits All monetary figures shown are in US Dollars ($). INDIVIDUAL POLICIES
Allianz Care International Healthcare Plans for Egypt Valid from 1st July 2018 INDIVIDUAL POLICIES Table of Benefits All monetary figures shown are in US Dollars ($). REASONS TO CHOOSE US Flexible modular
More informationAsia Care First. International. International health insurance for individuals and families
Asia Care First International International health insurance for individuals and families Asia Care First Overview Comprehensive international health insurance plans Comprehensive coverage ensuring you
More informationEvolution Health Plan Table of benefits
Evolution Health Plan Table of benefits Standard Standard Plus Comprehensive Premium Elite Overall maximum limit This is the maximum amount of money we will pay to, or on behalf of, each insured person
More informationSCHEDULE OF BENEFITS
SCHEDULE OF BENEFITS Plan Benefit Limit (Including any coinsurance and/or deductible) Geographical Scope of Coverage for Basic Healthcare Services (Elective Treatment) Geographical Scope of Coverage for
More informationsmart solutions for your medical protection
healthcare smart solutions for your medical protection Get Extra Premium Discount! Family discount: enjoy extra 5% off on total premium for each additional family member that enrolls together SmartCare
More informationTo make a difference in people s lives by making their financial freedom POSSIBLE.
GROUP RISK PRODUCTS 2 Group Risk OUR PURPOSE To make a difference in people s lives by making their financial freedom POSSIBLE. Group Risk 3 Contents 1. About Liberty Life 04 3. Liberty Holdings Footprint
More informationSCHEDULE OF BENEFITS
SCHEDULE OF BENEFITS Plan Annual Benefit Limit (Including any coinsurance and/or deductible) Geographical Scope of Coverage for Basic Healthcare Services (Elective Treatment) Geographical Scope of Coverage
More information18 May 2017 KENYA MEDICAL ASSOCIATION SACCO LIMITED P.O. BOX , NAIROBI. Dear Sir/Madam,
18 May 2017 KENYA MEDICAL ASSOCIATION SACCO LIMITED P.O. BOX 413-00202, NAIROBI. Dear Sir/Madam, RE: RENEWAL INVITATION POLICY NO: KENYAMA INSURED: KENYA MEDICAL ASSOCIATION SACCO LIMITED The above-mentioned
More informationCore Plan Benefits NGO Care Premier Plus NGO Care Premier. Maximum plan benefit 1,500,000 1,000,000 Maximum plan benefit CHF CHF1,950,000 CHF1,300,000
NGO Care Premier Plans Table of Benefits Valid from 1 st November 2016 The NGO Care Premier Plus and NGO Care Premier Plans are packaged health insurance solutions which include a Core Plan, an Out-patient
More informationBe Fit 2 Employee Plan Your Benefits at a Glance
Be Fit 2 Employee Plan Your Benefits at a Glance 2 Welcome to your Be Fit 2 Plan from Irish Life Health Welcome to Irish Life Health Our members health and wellbeing is at the heart of everything we do.
More informationFocus on the Extender Option
Focus on the Extender Option The Extender Option provides cover for hospitalisation in private hospitals. There is no overall annual limit for hospitalisation. You can choose to have access to any hospital,
More informationNETWORX ED ADVENTURE SEEKERS WHY THE NETWORX ED OPTION IS THE BEST CHOICE FOR YOU WITHIN THE UNIVERSAL HEALTHCARE PROVIDER NETWORK
2019 DISCHEM PHARMACISTS WHO CARE ED OPTION NETCARE YOU RE IN SAFE HANDS INFORMATION AND BENEFIT GUIDE WHY THE NETWORX ED OPTION IS THE BEST CHOICE FOR YOU NETWORK PLAN COMPREHENSIVE BENEFITS WITHIN THE
More informationEssential Health Plans Affordable Regional Health Insurance
Essential Health Plans 2017 Affordable Regional Health Insurance William Russell is a leading independent provider of affordable, international health insurance To us, you re a valued customer, not a potential
More informationTHE NORTHERN MEDICAL AID SOCIETY
THE NORTHERN MEDICAL AID SOCIETY Management Rules and Schedule of Benefits As of 1 st November 2013 NMAS Rules 8/13 Page 1 DIGEST OF RULES This digest of rules only contains a summary of those Rules of
More informationDiscovery 2018 launch highlights Weighted average contribution increase: 7.9% Enhanced Vitality Active Rewards
Fourth Edition of 2014 Discovery 2018 launch highlights Weighted average contribution increase: 7.9% Enhanced Vitality Active Rewards Executive Plan enhancements & changes Smart Plan access to over-the-counter
More informationExpatriate Health Plans
Expatriate Health Plans About PA Group PA Group was founded in 2005 by two former General Electric executives with a passion for helping people prepare for the future. Since its inception, PA Group has
More informationTable of Benefits Corporate Group Schemes
International Healthcare Plans for the UAE (Direct Settlement Dubai) Table of Benefits Corporate Group Schemes Valid from 1 st November 2015 The following plans are available for groups who qualify for
More informationHEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.
TAILOR-MADE HEALTHCARE INSURANCE SOLUTIONS FOR ASIA HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions.
More informationInternational Healthcare Comparison Plans Expat Standard, Comfort & Premium Plan 2013
Epat Standard, Comfort & Premium Plan 2013 Epat Standard, Comfort & Premium Plan 2013 Maimum Lifetime Plan Benefit $USD $400,000,000,000,000,000 Annual Maimum Plan Benefit $USD $400,000,000,000 $2,000,000
More informationComprehensive benefit plan including preventive care and with access to GBG s Global Security network in the U.S.
2018 Comprehensive benefit plan including preventive care and with access to GBG s Global Security network in the U.S. Global Expert is tailored exclusively for individuals and families residing in Latin
More informationChoices NL. Comprehensive local & international medical insurance for expats living in the Netherlands.
Choices NL Comprehensive local & international medical insurance for expats living in the Netherlands. Introducing Choices NL Alexander Beard International Benefits is the broker and advisor of the insured
More informationImportant Contact Information for your Swisscare Expatriate Health Plan
& Table of Benefits Epat Plan 2013 Epat Plan 2013 Important Contact Information for your Swisscare Epatriate Health Plan For help in understanding your benefits, questions and general plan guidance, please
More informationwellness ESSENTIAL PLAN AND VITAL PLAN wellness
wellness ESSENTIAL PLAN AND VITAL PLAN wellness Essential Employee Benefits (Pty) Ltd Reg. is a Registered Financial Services Provider (FSP # 46244).EEB is insurance based and is NOT a medical aid. 1.
More informationInternational coverage with worldwide access to top healthcare providers including GBG s Global Security network in the U.S.
2017 International coverage with worldwide access to top healthcare providers including GBG s Global Security network in the U.S. Global Security is tailored exclusively for individuals and families residing
More informationAsia Care First. Thailand. International health insurance for individuals and families
Asia Care First Thailand International health insurance for individuals and families Asia Care First Overview Comprehensive international health insurance plans Comprehensive coverage ensuring you are
More information