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FIRST CHOICE - A FLEXIBLE MEDICAL PLAN FOR COMPANIES
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POLICY DETAILS
Basic Cover
Advantages
How To Buy
 
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BASIC COVER back to top
 
With our special collaboration with International Health Insurance danmark a/s (IHI), a Danish company registered in Copenhagen, member of the worldwide health and care organisation BUPA and a world leader in the field of International health insurance, we offer you First Choice – the first truly flexible international health insurance for small and medium sized companies. It has been designed with a modular structure enabling the company to select exactly the cover needed for their employees.
 
MANDATORY
Module 1– Hospitalisation and Inpatient Treatment, provides 100% cover for e.g. surgery, chemotherapy and organ transplant, also full cover for any emergency treatment and cover expenses in connection with childbirth up to overall annual insurance sum of the Policy of USD.1,800,000.

OPTIONAL COVER
Module 2 – Outpatient Treatment, provides cover for treatment such as general practitioners and specialist consultation 100% up to the specified maximum amount, also prenatal and postnatal treatment. Overall annual maximum for this module is USD.35,000.
Module 3 – Medicine & Appliances, such as slings, bandages and hearing aids are covered 100% up to the specified maximum amounts. Overall annual maximum for this module is USD.1,000.
Module 4 – Medical Evacuation, covers transportation to an appropriate place of treatment if the employee has a serious illness or injury such as transportation expenses by airplane. It includes expenses for an accompanying person. All expenses are covered up to the overall annual insurance sum of the Policy. Medical Evacuation must be pre-approved by IHI.
Module 5 – Rehabilitation & Nursing, provides cover for rehabilitation, home nursing or hospice, if medically prescribed by a doctor. Rehabilitation and nursing must be pre-approved by IHI. The overall annual maximum for this module is USD.5,000.
Module 6 – Dental & Optical, provides cover for expenses in connection with dental treatment, glasses and contact lenses up to the maximum limits. The overall annual maximum for this module is USD.1,200.


ADVANTAGES back to top
 
Option to cover pre-existing diseases.
Cover for congenital, hereditary and chronic diseases.
Free choice of hospitals, clinics, doctors and specialists according to cover choosen.
Both business and leisure activities are covered – including professional sports.
No exclusion for innocent bystanders in war or terrorism situations.
Organ transplant covered without any sub-limit up to the overall annual insurance sum of the Policy.


IMPORTANT:
The content of these pages is merely a general outline of our product and is not a Policy of insurance. For full details of terms and conditions, please refer to its policy wording.


HOW TO BUY back to top
1 Buy directly from Kurnia Branch
3 Make Product Enquiry


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