Silver

Silver
Description: This plan is capped benefit plan. Hospital cover has room charge daily limits  and stay duration, outpatient benefits are dollar capped per visit and frequency. It is a very cost effective plan with outpatient cover. People who reside in low medical cost countries especially like it and take a low deductible. This plan is also called Global Fusion Silver.

A: In-Patient & Day- Patient Treatment
1. Surgery, Surgeons, Consultants, Second Surgical Opinion, Medical Practitioner and Nurse Treatment, Services and Supplies routinely provided and Ancillary Charges. FULL COVER

2. Hospitalization/Room & Board Up to $600 per day 240 day Maximum

3. Intensive Care Unit Up to $1,500 per day – 180 day per event

4. Anesthetist’s Charges associated with Surgery. 20% of Surgery Benefit

5. Diagnostic Tests and Procedures, X-Rays, Pathology, & MRI/CT Scans. FULL COVER

6. Prescribed Drugs, Dressings and Durable Medical Equipment. FULL COVER

7. Reconstructive Surgery-following an accident or following surgery for an eligible condition. FULL COVER

8. Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy. FULL COVER

9. Physiotherapy.FULL COVER

10. Parental Hospital Accommodation. FULL COVER

11. Prosthetic Devices. FULL COVER

12. Transplants. $250,000 Per Transplant

B: Out-Patient Treatment, Wellness Benefits and Other Cover

1. Out-Patient including:
Family Doctor Treatment and Referrals, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures
25 Visit Maximum
Maximums Per Visit/Examination: $70
Doctor/Specialist; $60
Psychiatrist; $50
Chiropractor; $250
X-Ray per Examination Maximum Limit; $500
Surgery Intervention Consultation; $300
Lab Tests per Examination Maximum Limit

2. Emergency Room Illness, Waived if admitted as an In-Patient or Day- Patient (Additional $250 Excess/Deductible if not admitted). FULL COVER

3. Emergency Room Accident.FULL COVER

4. Out-Patient Surgery. FULL COVER

5. MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy Colonoscopy, Cystoscopy
$600 Maximum Per Examination

6. Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy. FULL COVER

7. Prescribed Out-Patient Drugs, Medicines, Dressings and Durable Medical Equipment. FULL COVER

8. Physiotherapy and Osteopathic Therapy.Up to $40 per visit 30 visit Maximum

9. AIDS/HIVTreatment No Cover

10. Home Nursing Care. 30 Day Limit: Up to $150 per visit

11. Rehabilitation No Cover

12. Extended Care Facility. Full Cover Up to 30 Days

13. Hospice Care. No Cover

14. Child Wellness and Health Check (Under 18 years of age)
– includes Hearing Test, Sight Test and 17 Vaccinations/Inoculations (Not subject to Annual Excess or Co- Insurance)

3 visits per Period of Insurance. Up to $70 per visit

15. Pre-Existing Medical Conditions Standard Underwriting:
– After 24 months continuous cover
-Declared and Accepted conditions
Up to $5,000, $50,000 Lifetime Limit

16. Newly Diagnosed Chronic Conditions. Covered

17. Mental/Nervous
– After 12 months continuous coverage
Out-Patient Only see limitations

C: Travel, Transportation and Out of Area Benefits
1. Emergency Local Ambulance
Up to $1,500 per event
Not subject to Annual Excess/Deductible or Co-Insurance

2. Emergency Evacuation and Transportation To the Nearest Suitable Hospital
Up to $50,000
Not subject to Annual Excess/Deductible or Co-Insurance

3. Cremation/Burial or Return of Mortal Remains
$25,000 Lifetime Limit
Not subject to Annual Excess/Deductible or Co-Insurance

4. Out of Area Travel Insurance Cover
30 Days Maximum

D: Dental Treatment
1. Emergency Dental Due to Accident. Up to $1,000
F: Maternity
1.  Maternity – After 10 months of continuous cover
Benefits reduced by 50% for births in the 11th or 12th month of policy
Optional Add-On Cover
Additional Premium Applies *

2. Maternity Annual Excess
Not subject to Annual Excess/Deductible or Co-Insurance

3. Lifetime Maximum. *$50,000 Lifetime Limit

4. Normal Delivery
– Including Premature Birth Treatment, Pre, Post and Routine Natal Care. *Up to $5,000

5. Caesarian. *Up to $7,500

Please refer to the full Policy documentation for all applicable terms, conditions, limitations and exclusions – Available upon request.


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