| Q |
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Are there any exclusions in a Health Insurance Plan? |
| A |
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Yes, please refer to the Policy Exclusions as stated in the respective Health Product Exclusions. |
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| Q |
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What is the role of the MCO? |
| A |
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They are the administrator of the plan for certifying eligible hospital admission according to the plan coverage and guaranteeing the eligible hospital charges. They also provide the helpline for medical advice and related services. |
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| Q |
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Is there a panel of hospitals by International SOS? |
| A |
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Yes, please refer to the List of Participating Hospitals. |
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| Q |
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For Family Plan, how many spouses and children are allowed? |
| A |
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Only 1 legally nominated spouse and all eligible children as defined are eligible for coverage. |
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| Q |
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Who is responsible to pay the ineligible expenses upon discharge? |
| A |
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The patient has to pay. |
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| Q |
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What is DEDUCTIBLE?
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| A |
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A deductible is the monetary amount of incurred covered expenses that the Policy Holder or insured must bear before additional eligible benefits can be indemnified. |
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| Q |
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Can I stay in a Room & Board Higher Than My Entitlement in B-HealthMajor?
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| A |
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Yes, you may choose to be hospitalised at a Room & Board rate which is higher than your benefit entitlement. BUT the Insurer shall only bear 80% of the eligible benefits described in the Schedule of Benefits and you will be responsible for the remaining sum. So choose a Plan that best suits your lifestyle by giving you the desired coverage within your entitled Room & Board. |
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| Q |
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How many times can I make a claim per year if I purchase B-Link?
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| A |
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The number is unlimited and it is on per event basis within the covered period. |
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| Q |
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If somebody else drives my named vehicle and had an accident would he and the passengers be covered?
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| A |
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Yes, they are covered provided that it is not an exclusion eg illegal activities or without authorised licence etc.
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| Q |
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What is the response time of the towing/ breakdown services? |
| A |
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They will response immediately and the lead-time taken to reach the destination would be around 1/2 hour to 45 minutes subject to the exact location given by you. |
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| Q |
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Must I purchase a motor insurance cover from BGI in order to purchase B-LINK? |
| A |
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No, it is a stand-alone policy |
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