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B.Health Major
This provides you with an extensive coverage over
acute medical conditions that might otherwise be
excluded from other basic insurance policies due to
the following reasons :
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Basic Health Insurance
policies do not provide coverage against major
illnesses, diseases and critical medical
conditions
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Insurance policies that are
not upgraded as they gradually mature increase
the probability of the holder not getting the
essential coverage he or she needs |
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Even with a high coverage,
escalating medical costs can restrict your
present benefits coverage, especially in the
event of a critical medical condition requiring
major surgery.
With these factors in mind, B-Health Major
provides you with the protection and assurance
you need by covering medical expenses that are
not payable or insufficient under existing basic
policies. |
Special Features
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24-hour Worldwide Cover
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Full Reimbursement without Surgical Schedule
up to Overall Annual & Lifetime Limit |
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A choice of deductible limits - as a
policyholder, you have the freedom of
determining the amount you want the basic policy
to cover. You can also choose a plan that will
cover expenses over and above your deductible
limit, in the event that you decide to pay for
medical fees personally |
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Extensive coverage of major medical
conditions as opposed to the limited list of
medical benefits typically provided by employers |
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Outpatient Treatments - Actual charges are
reimbursed subject to benefit limits for
outpatient cancer or kidney dialysis and
emergency accidental injuries at clinics
including dental treatment |
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Guaranteed Renewal - The renewal of the
policy is guaranteed up to the age of 70 years
or upon expiration of the lifetime limit up to
its policy term to ensure you enjoy continuous
coverage. However, please note that the premium
rates are not guaranteed and will increase with
age on the published premium rate applicable. |
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Emergency Medical Assistant Services |
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Services Provided
The Company has arranged through International SOS
(Malaysia) Sdn Bhd on the arrangement of Full
Service Programme to provide emergency assistance
services to Insured under certain defined plans
subject to the limit as set forth in the Schedule of
Benefits.
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1. |
EMERGENCY MEDICAL EVACUATION
(INTERNATIONAL & DOMESTIC)
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2. |
EMERGENCY MEDICAL
REPATRIATION (INTERNATIONAL & DOMESTIC)
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3. |
REPATRIATION OF MORTAL
REMAINS (INTERNATIONAL)
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4. |
COMPASSIONATE VISIT
(INTERNATIONAL)
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5. |
ACCOMMODATIOON EXPENSES
(US$1,000 LIMIT OF INDEMNITY ANY ONE MEMBER
ANY ONE EVENT SUBJECT TO A SUB-LIMIT OF
US$250 PER DAY)
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6. |
RETURN OF DEPENDANT CHILDREN
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Routine Medical Services
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1. |
Telephone Medical Advice
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2. |
Medical Service Provider
Referral (Applicable to Domestic Assistance)
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3. |
Arrangement of Appointments
with Doctors
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4. |
Arrangement Hospital
Admission
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5. |
Guarantee of Medical
Expenses Incurred During Hospitalisation
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6. |
Monitoring of Medical
Condition
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Travel Information Services
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1. |
Visa Information Service
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2. |
Inoculation Information
Service
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3. |
Weather Information Service
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4. |
Embassy Referral
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5. |
Interpreter Referral
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6. |
Legal Referral
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