Please enable JavaScript.
Coggle requires JavaScript to display documents.
Chapter 7: Others - Coggle Diagram
Chapter 7: Others
Group Dental Care Insurance
Characteristics
Offered on group basis
without underwriting
Usually issued for 2 years and renewable
every one or 2 years therafter
24 hour coverage worldwide
Limitation clause
Reimbursements can be reduced by
Exclusions
Replacement of dentures
Cosmetic treatment
Medicine given
Termination
insured enters full
time military service
When insured reaches
specified age (65)
Claims
Visit panel of dentists with
issued membership card
Dental clinic will bill insurer directly
Others
Employee must file claim with insurer
Hospital Cash
Eligibility
Hospitalisation due to
illness
Waiting period
Hospitalisation due to injury
No waiting period
Characteristics
Daily benefit chosen by insured
Waiting period
Injury
No waiting period if caused by accident
Illness
Benefit payment not affected
by other HIs
Yearly renewable
No Claim discount on premiums for LIs that
do not claim given during renewal of policy
Types
Stand-alone
Payment of 150% of daily benefit
if staying in HDU or CCU
Double or triple payment if staying in ICU
Waiver of premium for up to 6 months
in event of loss of employment for more than 1 month
Triple payment if hospitalisation
due to accident
Rider
Expires at specific age or
on maturity of base policy
Travel Insurance
Benefits
Medical benefits
Emergency medical
evacuation
Hospital confinement allowance
Repatriation