Combined Personal Accident & Healthcare

Combined Personal Accident & Healthcare Insurance is the most popular plan that companies are offering to their employees. It is a combination of Personal Accident, Term Life and Medical Insurance, including Inpatient, Outpatient, Maternity & Dental care.

Main coverage:

• Death/total permanent disablement due to accident. Partial Permanent Disablement
• Temporary disablement/ Loss of wage: Pay full daily salary for the period out of work due to temporary disablement according to doctor’s instruction
• Medical Expenses due to Accident
• Death & total permanent disablement due to Illnesses & Maternity
• Hospitalisation& Surgery due to Illnesses including Maternity
• Outpatient treatment including Dental care

The policy have sub-limits as:

- Hospitalisation:

+ Daily hospitalisation charges

+ Room & Board

+ Surgical Operation

+ Pre-hospitalisation charges

+ Post-hospitalisation charges

+ Daily allowance

+ Home nursing

+ Chilbirth: normal delivery, caesarean

+ Complication of pregnancy

+ Newborn care

Outpatient:

+ Sub limit per each doctor visit

+ Physiotherapy

+ Dental treatment

• Injuries during war or invasion
• Terrorist activities
• Intentional acts of causing damage
• Violations of laws and regulations
• Attemp suicide or self-harm
• Participation in professional sports activities or dangerous sports activities
• Affect by stimulants, addictive substances, detoxifying drugs, drugs not prescribed by a professional doctor, alcohol, beer or alcoholic substances and this influence is the cause of the accident
• The insured person drives a vehicle with an alcohol level over the provisions of the Traffic Law
• Using drugs without doctor’s indication, vaccination, dietary supplements
• Normal health screening
• Congenital diseases
• STDs, HIV
• Psychiatric diseases, stress
• Assisted reproduction: IUI, IVF…
• Cosmetic treatment
• Eye refractive errors
• Private doctor clinic

and others specified in wording details