This insurance reimburses the actual medically necessary expenses incurred by the Insured Person as a consequence of hospitalisation or surgery due to accident or illness, subject to the terms, conditions and exclusions of the Policy.
COVER : 24 hours, worldwide

BENEFITS

1. Hospital Daily Room & Board : pays for the actual room & board charges incurred, up to a maximum daily benefit selected but not exceeding 120 days per disability
2. Intensive Care Unit : pays for the actual intensive care ward charges insured, up to a maximum daily benefit selected but not exceeding 30 days per disability
3. Surgical Benefit : pays for the actual expenses incurred for any surgical procedures performed subject to the Surgical Schedule and the maximum benefit selected
4. Hospital Miscellaneous Services : pays for the actual expenses incurred for the following items
   • Use of Operating Room but not exceeding 30% of the reimbursable Surgical Fee
   • Drugs and Medicines consumed on premises
   • Dressings, Ordinary splints and Plaster Casts
   • Laboratory Examinations, X-ray Examinations
   • Electrocardiograms, Basal Metabolism Tests
   • Physical therapy, X-ray therapy, radium therapy, radium and isotopes
   • Intravenous infusions, Administration and the cost of Blood or Blood Plasma
   • Anaesthesia and Oxygen and their administration, but not to exceed 30% of the reimbursable Surgical Fee
   • Government Service Tax
5. In-Hospital Physician's Visit : pays for the reasonable and customary charges incurred for daily services rendered by a registered Physician in the hospital, subject to a limit of one visit per day of hospital confinement up to a maximum daily benefit selected.
6. Post Hospital Benefits : pays for the actual expenses incurred for the follow-up treatment provided or recommended by the same physician within 30 days from the hospital discharge, subject to the maximum benefit selected.
7. Specialists Consultation : pays for the reasonable and customary charges incurred for medical specialist consultation recommended by a registered Physician up to the maximum benefit selected. However, no payment shall be made if after the specialist consultation, hospitalisation or surgical treatment is not required.
8. Diagnostic Services: pays for the actual expenses incurred for examination or laboratory tests ordered by a registered Physician and performed during hospitalisation or in the diagnosis of a condition resulting in hospitalisation or surgery within 30 days of the consultation or the test, subject to the maximum benefit selected.
9. Ambulance Services : pays for the actual expenses incurred for necessary medical ambulance transportation to a local hospital, subject to the maximum benefit selected.
10. Out-patient Kidney Dialysis : pays for the actual expenses incurred for kidney dialysis performed at a legally registered dialysis centre or unit, subject to the maximum benefit selected.
11. Out-patient Cancer Treatment : pays for the actual expenses incurred for out-patient cancer treatment provided by the out-patient department of a hospital or a registered cancer treatment centre including examination and tests ordered by a Physician, subject to the maximum benefit selected.
12. Emergency Out-patient Treatment : pays for the actual expenses incurred for emergency treatment of bodily injury arising from an accident, including accidental dental treatment, in the Out-Patient Department of a hospital within 24 hours from the time of accident, subject to the maximum benefit selected.
13. Expenses incurred as a result of follow-up visits made within 30 days of the accident shall also be payable but the total benefit payable shall not exceed the maximum benefit selected.

This text does not include the policy exclusions. For details, e-mail us at customer@jerneh.com.my
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