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Medical and Health Insurance

Two main scopes of medical insurance

1. In-patient plan

It mainly provides cover to policyholders for hospitalisation expenses like room and board, meal expenses, surgery fee, etc.

There will be a maximum indemnity limit for each item in medical insurance generally. Besides, many medical insurance products will also provide hospital cash benefit from which a policyholder will receive a daily fixed amount of cash according to the terms of the policy for the number of days confined in a hospital.

2. Out-patient plan

Generally covers consultation fees of registered doctors and/or specialists.

Same as in-patient plan, there is also a maximum indemnity limit for different medical items under the out-patient plan; and there may even be a maximum indemnity limit for each policy year.

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