Comprehensive

The Comprehensive plan builds on Standard plan.

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:

  1. Outpatient coverage includes consultations with medical practitioners for physical healthcare needs.
  2. Covers diagnostics such as laboratory tests and imaging procedures.
  3. Provides coverage for medication dressings, and supplies for acute conditions.
  4. 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 ✘
Hormone replacement therapy (HRT) – only accessible for menopause which has been induced artificially and/or through early onset ✘