Area of Cover Choose the right insurance Chronic Conditions Claims Dental Deductibles and Excess Emergency Evacuation Frequently Asked Questions General Exclusions In-Patient Coverage Local vs International Key Terms and Definitions Maternity Out-patient Coverage Overall Maximum Benefit Payment Options Plan Summary Policy Conditions Pre-existing Conditions Renewal Options Vaccination Waiting Period
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In-patient Coverage
In-patient cover is the core of every insurance policy. It refers to treatment for which it is medically necessary to remain in hospital overnight. Most international insurance plans will allow, within reason, for a patient to stay in any hospital and choose any available surgeon.
Most insurance companies can provide in-patient only plans that typically provide cover for the following benefits:
- Hospital room
- Surgery, Anesthetist and Operating theatre charges
- Intensive care unit
- Organ Transplant
- Surgical appliances and prostheses
- Outpatient surgery
- Inpatient Prescription drugs and materials
- Inpatient Diagnostic tests, Lab tests, X-rays, MRI, etc
- Ambulance transportation costs
The insured can enhance their inpatient cover by adding options such as; out-patient coverage, dental, maternity and Emergency Evacuation.
Inpatient treatment is arguably the most important type of treatment to be insured against. Most people fortunately only undergo inpatient treatment a few times during their lives. However, the costs associated with having to spend some time in hospital and undergo an operation can often amount to more than all of the insurance premiums paid during your lifetime!
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