Group Hospitalisation

This tailor-made comprehensive health plan is designed for your company or organization to ensure that your employees are sufficiently protected.

Policy Definitions

Pre-Existing Illness shall mean:

Disabilities that existed before the Effective date of Insurance that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which: 

  • the Insured Person had received or is receiving treatment;
  • medical advice, diagnosis, care or treatment has been recommended;
  • clear and distinct symptoms are or were evident; or
  • its existence would have been apparent to a reasonable person in the circumstances.

Specified Illnesses shall mean the following disabilities and its related complications occurring within the first 120 days of Insurance of the Insured Person:

  • Hypertension, diabetes mellitus and Cardiovascular Disease
  • All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system
  • All ear, nose (including sinuses) and throat conditions
  • Hernias, haemorrhoids, fistulae, hydrocele, varicocele
  • Endometriosis including disease of the Reproductive System
  • Vertebro-spinal disorders (including disc) and knee conditions

Eligibility for benefits starts 30 days after the Insured has been included in the Policy, except for a covered Accident occurring after the effective date of coverage.