Basic cover includes the following INPATIENT* (overnight hospital stay or outpatient surgery) benefits:

• Inpatient treatment charges
• Emergency dental treatment
• Reconstructive surgery
• Inpatient psychiatric treatment
• Palliative care
• Complications of pregnancy**
• Hospital accommodation
• Parent hospital accommodation
• Land ambulance transportation
• Home care
• Outpatient surgery
• Post-surgical treatment (within 30 days post hospitalisation)
• Rehabilitation (within 30 days post hospitalisation)

Cover includes the following OUTPATIENT benefits:

• General practitioner & specialist consultations
• Emergency dental treatment & minor surgery
• Prescribed laboratory test, X-rays & advanced medical imaging
• Prescribed medicines, mandatory or prescribed vaccines
• Medical prostheses */**
• Allied healthcare professionals *
• Alternative medicines
• Psychology medicines**

Conditions covered*:

• Kidney dialysis
• Cancer treatment
• Organ transplant
• HIV/AIDS
• Pandemic, epidemic & endemics coverage

Cover includes the following WELLNESS benefits:

• Routine health check-ups
• Screening tests
• Non prescribed testing
• Non prescribed vaccines

TELEMEDICINE by Teledoc:

• Connect 24/7 with a doctor for non-emergency conditions like cold and flu, sinus infections, allergies and more.
• Ask an expert for second medical opinion on your diagnosis and recommended treatment.

International medical assistance services in the event of an illness, an accident or death of a beneficiary.

This includes but not limited to: 

• Transfer of the beneficiary to a suitable medical care centre located in the country of expatriation, nearby country or country of nationality
• Dispatch of a doctor to site
• Transport ticket for accompanying person in the event of sanitary transportation or repatriation of the beneficiary
• Return ticket in case of death of close relative

Dental care (with 8 month waiting period) includes the following benefits:

1. Preventive & routine dental treatments:

• Dental check-ups
• X-rays/bitewing/single view/orthopantomogram
• Gum shields/mouth guards
• Fillings
• Root canal treatment
• Tooth extraction
• Tooth cleaning
• Non-surgical periodontal treatment
• Anaesthetic

2. Major restorative dental treatments*:

• Dentures (acrylic/synthetic, metal and metal/acylic)
• Crowns, inlays and onlays
• Dental implants
• New or repair bridge work
• Removal of solid odontomas
• Apicectomy

3. Orthodontic treatment* provided that treatment starts before the child’s 16th birthday.

!!! Vision care is only available if dental care is selected.

Vision care (with 6 month waiting period) includes the following benefits:

• Corrective contact lenses, corrective spectacle lenses & frames
• Laser eye surgery

13 months waiting period (24 months for fertility treatment)

Cover is available for the following benefits:

• Pre & Post natal care
• Childbirth-related expenses
• Emergency caesarian section
• Artificial insemination, in vitro fertilisation