Covered Benefit

• Hospital & Surgical Benefits
• Supplementary Major Medical Benefit
• Clinical / Dental Benefit
• Hospital Cash benefit

Covered Persons

Employee + Dependent if provided (spouse and child whose age is less than 18 unless she is full time student up to age limit of 25)

Premium

Stated amount in accordance with the Plan level which is usually much lower than the personal medical insurance

Pre-existing Condition

The definition of pre-existing condition in Group Medical Insurance Policy is more liberal that the definition used in the individual medical insurance contract

Definition applied to Group Medical Insurance Policy (In General)

• "No benefit shall be payable in respect of injuries or sickness sustained prior to the date of insured person becomes insured if because of which such person shall have received medical or surgical care or treatment within the certain consecutive months, usually 3 months, immediately preceding such date.  If, however, during the stated consecutive month period after such date, the insured person does not undergo any medical or surgical care or treatment in respect of such injuries or sickness then benefits will subsequently be payable in respect of such injuries or sickness.”