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Medical Expense - Coggle Diagram
Medical Expense
Inpatient Expense
Emergency overseas inpatient treatment
Accidental inpatient dental treatment
Daily room and board charges
Accomodation, meals and nursing services
ICU charges
Surgical charges
Short stay ward
Inpatient observation and monitoring
Up to 24 hrs
Radiosurgery
Gamma knife fees
Major organ transplant
Cost of surgeries
Benefit limits
Lifetime Limits
Maximum total amount of all reimbursements
throughout lifetime
Policy terminates when limit reached
No such limit in some policies
Annual limit
Event limit
Geographical limit
Terminate when insured resides outside
Singapore for longer than 180 days
Pay based on reasonable and customary charges locally
in Singapore
Expense Participation
Deductible
Types
Per annum
Per disability per year schedule
Per disability deductible
Most restrictive
Flat dollar amount of medical expenses
Co insurance
Pro-ration factor
Catastrophic Outpatient expenses
Outpatient kidney treatment charges
outpatient cancer treatment charges
immunosuppressant drugs for organ transplant
Others
Miscarriage benefit
Costs incurred in miscarriage
or ectopic pregnancy
Final expenses benefit
Waiver of deductible
and co-insurance
Covers death occuring during hospitalisation
or within a specified period after discharge