Description

WAITING PERIOD

Please note, that there is a 21 Days waiting period to access all benefits under this plan.

NETWORK OF HOSPITALS

Click here for a List of Providers

ELIGIBILITY 

Individuals between 0 – 65 years 

PRE-EXISTING CONDITION CLAUSE 

The under-listed pre-existing conditions will be excluded in the first eighteen (18) months of the commencement of the policy (This list is NOT exhaustive) 

• Maternity Services – All treatment relating to ANC/Delivery including CS, Natal & Postnatal period, Family Planning, etc 

• All Immunizations – NPI & Secondary
  
• All surgical procedures
  
• Lenses & Frames
  
• Infertility Services – All treatments relating to Infertility Services
  
• Renal Failure – All kidney Related Conditions
  
• Tuberculosis and its complications
  
• Hypertension and related diseases
  
• Diabetes and related complications
  
• Heamoglobinopathies (e.g. Sickle cell disease)
  
• Asthma
  
• Peptic Ulcer Disease
  
• Epilepsy & Seizure disorders
  
• Glaucoma & Cataract
  
• Arthritis
  
• Etc
  EXCLUSIONS
  

• Typhoid, Rubella & HPV Vaccines
  
• Laboratory Screening
  
• Hepatitis & Liver Cirrhosis
  
• Artificial Insemination
  
• Embryo Transfer Procedures, IVF, etc
  
• HIV & AIDS Treatment
  
• Management of Chronic Renal Failure (Dialysis & transplant surgery)
  
• Cosmetic Surgeries
  
• Organ Transplant
  
• Congenital Anomaly
  
• Complex major surgeries – Brain & Heart, Blood vessel Surgeries
  
• Crown, Dentures, Bridges & Capping, Braces & Wiring
  
• Bleaching of Discolored Tooth & other Cosmetic Dental Procedures
  
• Advanced Restorative Dental Treatment – Orthodontics
  
• Self Inflicted injuries
  
• Virility enhancing drugs
  
• Herbal drugs, non-prescription drugs,/food supplements, experimental drugs and
  treatment
  
• Embalmment & autopsies
  
• Joint replacement, prosthetic devices e.g. pacemakers, limbs etc
  
• Induced Abortion (Voluntary termination of pregnancy)
  
• Laser treatments
  
• Neurological surgeries
  
• All procedures, management and investigations not covered by the plans