Private Health Insurance

Private Health Insurance

With the rising costs in health care, getting yourself a Health Insurance plan ensures you and your family are financially protected in the event extensive medical care is required as a result of an accident, illness or disability. Health Insurance usually provides coverage for medicine, consultations with doctors, visits to the emergency room, hospital stays and other medical expenses.

Although many people receive Health Insurance from their employers, it is important to check what the coverage is and if it is sufficient. With the many different plans available, it is essential to pick a policy that will meet your protection needs.

Local Health Insurance

Medical Expense Insurance / Major Medical Expense Insurance

Medical Expense Insurance covers medical expenses arising from an accident or illness. The policy typically includes inpatient medical treatment or surgery, some outpatient charges for day surgery and consultations with specialists. The Major Medical plan offers wider coverage with higher maximum benefit over a standard plan and is designed to protect against losses from catastrophic illness or injury.

Hospital Cash Insurance

Hospital Cash Insurance typically pays out a fixed amount of benefit each day you are hospitalised for medical treatment or surgery.

Long Term Care Insurance

Long Term Care plans most often pay out a monthly fixed amount towards expenses for long term nursing care when you are unable to perform daily activities. There is no age limit for this type of coverage.

International Health Insurance

International Health Insurance policies are designed for those who spend a significant portion of their time working on overseas assignments. International Health plans provide more comprehensive coverage compared to local plans and are internationally mobile, allowing you to live and seek treatment anywhere in the world.

Some of the typical benefits offered:

Parent Accompaniment

An important component for expatriates with children, the Parent Accompaniment benefit allows you to accompany your child in the event of an emergency evacuation, covering accommodation and travel expenses.

Emergency Evacuation

Emergencies can happen anywhere. In the event you and your family fall ill and local facilities prove to be inadequate, an airlift to the nearest appropriate medical centre becomes highly crucial.

Pregnancy Cover and Routine Complications

If you are planning to start a family while out on assignment, a Pregnancy policy could help cover the costs of maternity and childbirth care.

Road Ambulance

This benefit covers ambulance services in the event of an emergency.