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Sunday, June 25, 2017

Medical Insurance

INTRODUCTION

  • The basis of the contract is the proposal form.
  • Premiums must be paid upfront before commencement of cover.
  • Premiums form the basis or the consideration for indemnity.

COVER: ILLNESS

Any bodily injury to the insured through accident or contract of any disease or suffering from any illness shall upon the advice of a duly qualified consultant, specialist or medical practitioner or of a duly qualified surgeon incur medical or surgical expenses at any nursing Home or Hospital or at residence, Kenindia Assurance Company Ltd will pay / refund the insured the amount of such expenses incurred during the policy period in respect thereof but not exceeding the limits as stated in the proposal form.

The benefits under this class of Insurance are divided into two sections as follows:

SECTION I

This section caters for maintenance charges of the insured person in a nursing home or hospital.

SECTION II

The section caters for:

  • Surgeons and Anesthetists and charges for operation.
  • Cost of a specialist, pathologists fees, X-rays and physiotherapy treatment.
  • Cost of private doctor’s fees, prescribed drugs and medicines supplied.

Limits of liability in each case will be determined by the proposer in the proposal form subject to standard terms, conditions and exclusions which must be agreed before commencement of cover.

NOTE: Terms and conditions apply.
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