An insurance package developed by Chartered Brokers Ltd.
Health Insurance
Health Insurance
Nothing is more important than being healthy to enjoy everything our beautiful island has to offer. A good health insurance will provide you peace of mind and, make sure that you always have access to the best medical facilities available in the country.
The Health Insurance offered by Swan General Ltd branded “Protect Health Insurance” is the most cost effective available on the market. This policy will cover you for any admission in a medical facility for illness or surgery, including child delivery and congenital surgeries. The Protect Health Insurance also refunds day to day medical expenses including doctors’ consultations, prescribed medication, dental and optical treatments. Additional Inpatient benefits are also available to cater for major treatments (Catastrophe).
| Inpatient (Limit of Indemnity as per below) | |
|---|---|
| Benefits | Limits |
| Medical & Surgical treatment | Rs 125,000 (Being the limit for any one illness/accident) |
| Child birth (Normal delivery & C-Section): • Obstetric Care • Obstetric Cash Benefits |
Rs 75,000 (Annual limit) Rs 30,000 (Annual limit) |
| Congenital surgery | Rs 100,000 (Lifetime Limit) |
| Assisted reproduction | Rs 75,000 (Lifetime Limit) |
| Road ambulance | Rs 25,000 (Annual Limit) |
| Psychological trauma | Rs 25,000 (Annual Limit) |
| Funeral benefits | Rs 20,000 |
| Excess | Nil |
| Outpatient (Overall Annual Limit) | |
|---|---|
| Benefits | Limits |
| Medical benefits (Consultation/Medication) | Rs 40,000 |
| Consultations | Included in Medical benefits |
| Prescribed medication | Included in Medical benefits |
| Pre-Natal expenses | Rs 4,000 |
| Optical benefits | Rs 8,000 |
| Dental benefits | Rs 20,000 |
| Psychological trauma (counselling) | Rs 4,000 |
| Excess | 20% of costs subject to a minimum of Rs 250 for each and every claim |
| Catastrophe (Limit of Indemnity per illness/accident) | |
|---|---|
| Limits Available | |
| Rs 1,000,000 | ✓ |
| Rs 2,000,000 | ✓ |
| Rs 3,000,000 | ✓ |
| Rs 4,000,000 | ✓ |
| Rs 5,000,000 | ✓ |
| Excess | Rs 125,000 for any one illness/accident |
TERMS AND CONDITIONS:
1. Pre-existing conditions
2. Costs incurred outside Mauritius
3. Vitamins, minerals, boosters etc
4. Cosmetic treatment
5. Mental illness
6. Sleep disorders
7. Preventive treatment
8. AIDS
9. Chronic illnesses
10. Termination of pregnancy
TERMS AND CONDITIONS:
1. Age Limits:
To join scheme: 60 years
To stay on scheme: 75 years
2. Waiting periods
General waiting period: 3 months
Pregnancy and child delivery: 12 months
3. Application form duly completed to be submitted
4. Claims experience for last 3 years should be provided if already insured
