Hospital and Surgery Rider (H&S)
Hospital & Surgery Rider aims to provide the financial protection and premier healthcare to the customers with comprehensive benefits together with saving.
What you get
- Premium healthcare coverage for medical expenses (IPD & optional OPD Benefit)
- Comprehensive coverage including life insurance needs through reasonable premium rate
Key Features
Product Type
- Rider (Must have base insurance plan)
Policy Term
- 1 Year (Renewable)
- Minimum coverage 2,500,000 Kyats or up to 50,000,000 Kyats
Plan Type
- Plan-1 to Plan-8
Medical Checkup
- Required
Insurable Age
- 30 days – 69 Years Old (as per Base Plan Age Limit)
Benefits
- Daily Hospital Room & Board (up to 90 Days per admission)
- Other Medical Expenses (In-Patient Hospitalization)
- Laboratory Diagnosis Fees
- Diagnosis fees for Pre & Post-Hospitalization (subject to days limit)
- Operation room fees
- Surgical fees
- Anesthesiologist fees
- In-hospital Medical Officer’s visit
- Emergency out-patient treatment
- Outpatient medical expenses per illness / per injury
Exclusions
- Pre-existing illness or disease or conditions
- Chronic disease, congenital or genetic disorder
- Wars, any event which leads to riots or criminal activity
- Any optical treatments
- Drugs and alcohol rehabilitation
- Mental health or Psychiatry disorder
- Any Dental treatment (except accident)
- Beauty treatment, cosmetic surgery, or skin care
- Any pregnancy related conditions
- AIDS and sexually transmitted diseases
- Treatment given by doctor who is family mention of insured
- Suicide, Self-Harm, Murder, Committing a felony or being arrested
- Being a passenger or working on unregistered planes
- Vaccination, General health check or nursery which are not medical necessity