| | | | Al Musaned Inpatint - Medical Expenses Cover | | | Why is Al Musaned Inpatint - Medical Expenses Cover Important to you?
We are all aware that health care costs are very expensive; Most of the people are seeking treatment from private hospitals for immediate medical attention. The Cost of Medical Expenses is increasing day by day and hence, Medical Expense may wear out your wealth.
National Life & General Insurance Company promises to stand by you and takes care of your unexpected Hospital Expenses.
Product at a Glance:
We are all aware that health care costs are exorbitant. This product stands by your you during those difficult times for protectiion against unexpected excessive inpatient hospitalization cost. This product promises to stand by you during those difficult times of physical and mental stress and takes care of your hospitalization expenses. |
| | | | Cover | Option 1 Benefit in RO* | Option 2 | Option 3 | | Inpatient Medical Expenses Cover | 2000 | 3000 | 5000 | | Hospital Accommodation & services | | 50 per day | | | Nursing at Home, for recovery | | 100 per person | | | Ambulance Charge | | 50 per trip | | | Transportation Expenses for Inpatient treatment Abroad | | 500 per person | | | Hospital Cash Benefit if the treatment from Govt. Hospital | | 8 per day | | | Min/Max age of entry | 91days – 64 Years | | Term of the plan | 1 year , Renewable at end of every year |
| | | • First Individual inpatient medical Cover in the Sultanate
• Pre & Post Hospitalization treatment cover
• Lower premium for younger age population
• Coverage for new born baby (91 days old) as well *.
• Territorial Limit For elective treatment in Oman, India, Pakistan & Sri Lanka
• Worldwide emergency treatment while on holidaying/business trip excluding USA and Canada. | | | | KEY ADVANTAGES with us | • More than two decade of experience in designing life insurance products
• Experienced, qualified medical professionals (including In house Doctors) and trained staff to han-dle underwriting, claims, and actuarial services.
• Prudent underwriting practice & Strong reinsurance support.
• Experience of handling more than 100,000 insured members through various 450+ corporate clients under Group Medical Insurance.
• Hospitals/Clinic / diagnostic center/ Pharmacy Network of 140+ across Oman and 3000+ in India.
• Operating from Oman with In-house Claims administration team which helps in addressing cus-tomer requirements faster rather than relying on TPA’s which are operating from outside Oman.
| Annual Premium Rates | | Age Band | RO 2000 | RO 3000 | RO 5000 | | 91 days to 40 years | 65 | 80 | 87 | | 41 - 50 | 72 | 88 | 95 | | 51 - 60 | 82 | 100 | 110 |
• Monthly option is avaliable upon request.
• 24 X 7 Helpline facility.
• Simplified Joining procedures &Easy Claim reimbursement.
• Raksha TPA to provide support in respect of treatments in India from on an end-to-end basis. | | * Insurance fee of 0.55% shall apply | | | General Exclusions
Illness diagnosed within 30 days of commencement of policy, Pre Existing, chronic, complication of a Pre-Existing Disease,Dental, Optical , Maternity,Psychiatric,Cosmetic treatments ,War& Terrorism, General Health checkups , Un proven treatments , Medical appliances , Congenital conditions.
The First 24 months Exclusions: Benign Prostatic Hypertrophy/Hysterectomy for Menhorrhagia or Fibro-myoma ,Hernia, Hydrocele , Cholelithiasis , Knee Replacements due to Arthritis, Hip replacements, Rheumatism and other degenerative disorders, Fistula in Anus, Piles, Sinusitis and related Disorders.
Documentation
1. Proposal Form
2. Photo copy of Identification ( ID Card /Passport)
3. Passport type Photo
4. First Premium Payment Instrument (Cheque/OAB fund Transfer slip/Standing instruction)
5. Renewal premium :- Standing Instruction |
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