Comprehensive
The Comprehensive product level builds on Standard cover.
It is best suited for those who need a mix of inpatient, day patient, and outpatient cover.
It has an overall plan limit of up to $1,600,000 per person.
Comprehensive Plan Standout Features:
- Outpatient coverage includes consultations with medical practitioners for physical healthcare needs.
- Covers diagnostics such as laboratory tests and imaging procedures.
- Provides coverage for medication dressings, and supplies for acute conditions.
- Extends beyond pre- and post-hospitalization care to support routine outpatient treatments and therapies.
Plan Benefits |
Comprehensive |
|---|---|
| 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 $5,000 a year |
| Routine management of chronic conditions | ✔
Up to $2,000 a year, within the Outpatient limit |
| 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 | ✘ |