Standard Plan

The Standard plan is best suited for individuals who primarily require inpatient and day-patient coverage.

Standard Plan Standout Features:

  1. Outpatient coverage focuses on pre- and post-hospitalisation care, as well as emergency treatment in the hospital’s accident and emergency unit.
  2. Coverage for cancer, kidney dialysis, congenital anomalies, rehabilitation, palliative care, home nursing, inpatient psychiatric treatment, and newborn cover for acute conditions starting within 30 days of birth.
  3. Inpatient treatment of chronic conditions (long-lasting or recurrent illnesses).
  4. Evacuation benefits to ensure access to inpatient or day-patient treatments when suitable local medical facilities are unavailable.

Plan Benefits

Standard
Overall policy limit per member Up to $1,600,000 a year
Your excess No excess / $250 / $750 / $1,500 / $4,000
Area of cover - Africa plus India, Pakistan, Bangladesh and Sri Lanka
- Worldwide excluding USA
Hospital and day patient fees ✔
Psychiatric treatment ✔

Maximum of 30 nights

Inpatient and day patient treatment of chronic conditions ✔
Organ or tissue transplant ✔
Reconstructive surgery ✔
Newborn cover Up to $100,000, maximum of 90 nights
Parent accommodation ✔
Cash benefit for each night you receive free inpatient treatment and free hospital accommodations Up to $450 a night, maximum of 30 nights
Surgical procedures ✔
Outpatient treatments ✔

Up to $3,000 a year. Treatment must take place up to a maximum of 30 days prior to hospitalisation, and up to a maximum of 90 days following hospitalisation

Routine management of chronic conditions ✘
Consultations and treatment for psychiatric illness ✘
Home nursing

Up to a maximum of 60 days per medical condition

Emergency treatment

Up to $2,000 a year

Complementary practitioner fees ✘
Cancer treatment ✔
Routine pregnancy and childbirth ✘
Medical conditions that arise during pregnancy and childbirth ✔
Accidental damage to teeth

Up to $3,750 per inpatient event

Routine dental treatment ✘
Major restorative dental ✘
Evacuation and repatriation ✔
Additional expenses linked to an evacuation and repatriation

Up to $120 a day up to a maximum of $5,000 a year

Ambulance transport ✔
Emergency unforeseen treatment in the USA which does not require treatment in the accident and emergency unit of a hospital

80% of the cost up to $500

Emergency unforeseen treatment outside your area of cover which needs to take place in the accident and emergency unit of a hospital

Paid in full up to 90 days a year

CT, MRI and PET scans ✔
Durable medical equipment

Up to $2,500 a year

Kidney dialysis ✔
Palliative care

Paid in full for inpatient treatment up to a maximum of 30 nights

Rehabilitation treatment

Up to 28 days per event. Can be extended by an additional 92 days where medically necessary

Congenital anomalies

Up to $100,000 per medical condition

Health and wellbeing - Vaccinations - Health check ✘
Hormone replacement therapy (HRT) – only accessible for menopause which has been induced artificially and/or through early onset ✘