A policy that helps cover the cost of medical treatment. It protects individuals or families from high hospital bills, consultation fees, surgeries, drugs and sometimes maternity or chronic illness care.

Scope of Coverage

Key Conditions

• Eligibility: Members must be part of the insured group (e.g., enrolled student or employed staff).
• Waiting Periods: 30 to 90 days for new members before some benefits apply (except emergencies). Maternity benefits often have a 9-12 month waiting period.
• Pre-authorization: Surgeries and specialist consultations usually require prior approval from the insurer.

Key Exclusions

• Cosmetic surgery
• Fertility treatment

Claim Procedures

• Visit an accredited medical facility.
• Present your insurance card or ID.
• Receive medical treatment.