Area of Cover
Choose the right insurance
Chronic Conditions
Deductibles and Excess
Emergency Evacuation
Frequently Asked Questions
General Exclusions
In-Patient Coverage
Local vs International
Key Terms and Definitions
Out-patient Coverage
Overall Maximum Benefit
Payment Options
Plan Summary
Policy Conditions
Pre-existing Conditions
Renewal Options
Waiting Period

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Did you Know?
As an insurance broker we are able to pick and choose the best insurance providers worldwide. Even better our insurance plans cost the exact same as if you were buying directly from the insurer.

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!

For more information please contact us.