Q. What Details Are Required On Joining?
A. Simply complete the Personal Health Declaration/Proposal Form and return it to us with your cheque.

Q. What Are Pre-Existing Conditions?
A. The Plan will not cover pre-existing illness/medical conditions prior to joining the Individual Plan.

Q. What In-Hospital Costs Are Covered?
A. Broadly speaking, all reasonable and customary charges for any treatment ordered or prescribed by a properly licensed physician are covered.
Unlike other policies, there is no schedule of maximum payments for accommodation, operations or treatment of various types. You are free to select when, where and by whom you are treated. Full details are contained in your Policy.

Q. What About Out-Patient Treatment?
A. If you elect to include this cover, you are free to select any licensed physician whether a General Practitioner or Specialist or Consultant to whom you have been referred by a physician.

Q. Maternity Benefit?
A. If you purchase a Plan including this benefit, prenatal, childbirth and postnatal treatment are covered up to a limit per pregnancy specified in the policy schedule.

Q. What Is Not Covered?
A. Just those exclusions normally found in similar health insurances of this type.

Q. How Do I Claim?
A. Claims are promptly and efficiently handled by our office. If you need medical treatment covered by the Plan selected, ask the treatment doctor to complete and sign the Claim Form and return it to us together with original
supporting bills and receipts.