Medical Insurance

  • Individual
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  • Family
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  • Group
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  • Travel
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  • Teacher
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    In-patient

    Inpatient coverage is the core of any expatriate health insurance policy. Every international medical insurance plan will include coverage for inpatient treatment, and as such, inpatient only policies are often referred to a 'Basic' or 'Major Medical' insurance.

    Inpatient (or hospitalization) cover is becoming increasingly more important in the modern world as medical costs continue to escalate. Trying to afford inpatient treatment out-of-pocket can be an expensive burden. With the current high cost of healthcare, a single surgical procedure or treatment for a single condition can cost more than all the premiums ever paid on an inpatient-only plan.

    Typical coverage benefits associated with an inpatient plan are:
    • Semi-private/private hospital room
    • Oncology
    • Intensive Care Unit
    • Ambulance costs
    • Organ transplant
    • Surgery, Anesthetist and Operating theatre charges
    • Surgical Appliances and Prostheses
    • In-patient Lab tests, X-rays, Diagnostic tests, MRI etc.
    • Prescriptions Drugs and Dressing
    • Physiotherapy
    • Diagnostic Tests
    • Psychiatry and Psychotherapy
    It may also be possible to extend the levels of coverage that an inpatient plan offers. Typical extra benefits of a hospitalization policy may include:
    • Emergency Evacuation
    • Out-Patient Surgery
    • Local Ambulance
    • Rehabilitation
    • Pregnancy Complications
    • Day Care Treatment
    • Home Nursing