Our Healthcare Insurance Cover offers inpatient and outpatient cover as well as fund- managed outpatient cover and also provides a comprehensive and flexible cover for individuals and employees as well as their dependents. Our medical insurance cover is flexible allowing for employers to choose the expenses that will be catered for.

It provides cover for the cost of private medical treatment for illness and other medical conditions.

3.1 Self-Funding Insurance

Also known as “self-pay” or “self-insurance” an individual or organization chooses to save the money that they would otherwise pay in medical insurance premiums and pay for the medical costs themselves.

3.2 Medical Insurance

Available under the following categories:

• Personal / Individual Policies– for individuals who take responsibility for arranging their own medical cover.
• Company / Group Schemes– for employers who want to provide their staff with medical insurance cover.
• Voluntary policies– for associations or employers who want to offer medical insurance for their members or employees willing to pay the premiums by themselves voluntarily.

3.3 Disability Insurance

Available under the following categories:

1. Benefits policy covering both accident and illness.
2. Pays out the sum insured if the insured is not able to work due to illness or injury.
3. Provides regular income to replace the income that the insured may no longer be able to earn.