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HOSPITAL ROOM & BOARD - Reimbursement
of the room accommodation and meals during confinement in
a hospital as an in-patient.
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INTENSIVE CARE UNIT -
Reimbursement of the actual room and board incurred during
confinement as an in-patient in the Intensive Care Unit of
the Hospital.
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SURGICAL FEES -
Reimbursement of the charges for a surgery by the Specialists,
pre-surgical assessment, Specialist's visits and post-surgery
care from the date of surgery.
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OPERATING THEATRE -
Reimbursement of operating room charges incidental to the
surgical procedure.
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ANAESTHETIST FEE -
Reimbursement of fees charged by the Anaesthetist for the
administration of anaesthesia.
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PRE-HOSPITAL DIAGNOSTIC
TESTS - Reimbursement of fees charged for ECG, x-ray
and laboratory examinations recommended by a qualified
medical practitioner for the determination of an illness
or injury. Medications and consultation charged by the
medical practitioner will not be payable.
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PRE-HOSPITAL SPECIALIST
CONSULTATION - Reimbursement of the first consultation
fees charged by a Specialist in connection with a Disability
and provided that such consultation has been recommended
in writing by the attending general practitioner. Payment
will not be made for clinical treatment (including medications
and subsequent consultation after the illness is diagnosed).
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IN-HOSPITAL PHYSICIAN
VISIT - Reimbursement of fees charged by the attending
physician for visiting an in-paying patient while confined
for a non-surgical Disability, subject to a maximum of
1 visit per day.
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POST-HOSPITALIZATION
TREATMENT - Reimbursement of charges for follow-up
treatments following discharge from a hospital for a non-surgical
confinement administered by the same physician.
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HOSPITAL SUPPLIES & SERVICES -
Reimbursement of charges made by the Hospital for general
nursing, dressings, splints, plaster casts, x-ray, laboratory
examinations, electrocardiograms, physiotherapy, basal metabolism
tests, intravenous injections and solutions, administration
of blood and blood plasma but excluding the cost of blood
and plasma.
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PRESCRIBED MEDICINES -
Reimbursement of charges for medicines that are dispensed
by a Physician, a Registered Pharmacist or a Hospital and
which have been prescribed by a Physician or Specialist in
respect of treatment for a covered Disability during in-patient
stay and following hospitalization.
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AMBULANCE FEES -
Reimbursement for necessary domestic ambulance services (inclusive
of attendant) to and/or from the Hospital of confinement.
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EMERGENCY ACCIDENTAL & DENTAL
OUT-PATIENT TREATMENT - Reimbursement of expenses incurred
as a result of a bodily injury/to sound natural teeth arising
from an ACCIDENT for treatment as an out-patient at any
registered clinic or hospital within 24 hours.
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DAILY-CASH ALLOWANCE
AT GOVERNMENT HOSPITAL - Pays a daily allowance for
each complete day of confinement for a covered Disability
in a Malaysian Government Hospital provided confinement
in a Room and Board rate that does not exceed the plan
chosen.
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INSURED DAILY GUARDIAN BENEFIT - Reimbursement of the
expenses for meals and lodging incurred to accompany an Insured
Person (aged below fifteen (15) years) in the hospital.
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MEDICAL REPORT -
Reimbursement of expenses for pursuing the medical report.
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GOVERNMENT SERVICE TAX -
Reimbursement of the charges imposed by the Malaysian government
for service tax levied on Hospital Room & Board charges.
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