Incare Insurance

Products

Summary of incare insurance

Horizon Insurance Company is an annual health insurance plan for individuals, families and companies. Which provides you with a global cover up to US$2,500 per member. Your cover is mainly for inpatient treatment covering Hospitalisation, MRI, PET and CT scans, Cancer Treatment, International Evacuations and Casualty and ER visits. (excluding conditions stated not covered on your Membership policy).

In addition to your core benefits(inpatient plan),you have the option to choose any of the additional benefits stated to suit the specific needs for you and your family and providing you with an inclusive package.

Such benefits will be subject to sub limits and waiting periods(unless stated differently). Waiting periods apply to each individual not being covered for that particular benefit for the time period indicated. Please refer to your benefit schedule for information on limits and waiting period stipulations.

In-patient and Day Patient Treatment – Please refer to Table of benefits and are Subject to authorisation.

Core Benefits

Step Up Benefits

Core Benefits

Step Up Benefits

BENEFIT NUMBER	CORE BENEFITS	LIMITS	BENEFITS DETAILS	WAITING PERIODS
1	Hospitalisation	Full Cover	Hospital accommodation charges for a standard single room with a private bathroom. We do not pay for deluxe/VIP suite nor items of a personal nature.i.e telephone calls, private TV, newspapers etc.
2	Intensive Care and Theatre Costs	Full Cover	Intensive care in and Intensive Care Unit/High Dependancy/Coronary Care where is medically necessary as essential to treatment or care. Includes the cost of the Operating Theatre along with the cost of the surgical appliances used by the Medical Practitioner during surgery.
3	Diagnostic tests, Pathology and X-rays	Full Cover	Blood tests, X-rays or Diagnostic tests such as an ECG when requested by attending physician when assessing your condition whilst in hospital
4	Advanced Imaging	Full Cover	Medically necessary scans such as computerised tomography (CT), positron emission tomography (PET) and diagnostic magnetic resonance imaging (MRI) whilst in-hospital
5	Reconstructive Surgery	Full Cover	Reconstructive surgery following an accident or an eligible surgery
6	Professional Services	Full Cover	Surgeon and Anaesthetist charges in an operating theatre; Drugs and Dressings as prescribed by Medical Practitioner or Specialist; Physicians fees
7	Drugs and Dressings	Full Cover	When prescribed by a Medical Practitioner or Specialist and is part of your in-hospital treatment.
8	Parent Accommodation	Full Cover	Hospital Accommodation for one parent when an insured dependant under the age of 13 on the same policy is required to be admitted into hospital for treatment overnight
9	Renal Dialysis	Full Cover	Treatment for Renal Failure whilst in-hospital
10	Organ Transplant	Full Cover	Medical costs associated with the insured person as the recipient of a human organ transplant of kidney, pancreas, heart, lung, liver, cornea or bone marrow. We do not cover the costs of the donor or donor organ.
11	Emergency Ambulance Services	Full Cover	Medically necessary transport to a medical facility by local road or air ambulance in the event of an emergency
12	Medical Evacuation Services	Full Cover	Medically necessary transportation of an insured person to nearest appropriate medical facility for treatment of a critical, life threatening eligible medical condtion.
13	Medical Transport Services	Full Cover	Costs of moving an insured person to an appropriate facility for in-patient/day care treatment within the area of cover, in the event of a non-emergency when that treatment is not available in the country of residence.
14	Compassionate Travel Costs	$120 per day to $3000 per condition	Transportation limited to economy class return ticket, and accommodation for a family member to accompany the insured for authorised in-hospital treatment outside country of residence within area of cover
15	Commercial flight	Full Cover	Transportation cost back to country of residence following treatment post evacuation
16	Mortal Remains	Full Cover	Transportation cost of body/ashes back to country of residence
17	Day Patient and Out Patient Surgery	Full Cover	Treatment costs for an eligible surgical procedure in a hospital, day-care facility
18	Physiotherapy		Treatment by a registered physiotherapist when referred by the attending Specialist
19	Cancer Care/OncoCare	Full Cover	Oncology tests, drugs and consultant fees. Treatment as in-patient or out-patient including chemotherapy and radiotherapy
20	Emergency Room Consults	3 visits per year	Casualty and Emergency Rooms Services for injuries, accident and eligible life threatening conditions
21	Specialist Services prior to and following Inpatient	Full Cover	Consultant fees immediately prior to hospitalisation
22	Hospice and Palliative	120 days and USD$50,000	Hospice care and Palliative Treatment on diagnosis of a terminal condition.
23	Emergency Dental	Full cover or Limit $5k	Emergency treatment received within 10 days for accidental damage to teeth to restore them to state prior to accident. Treatment in a hospital or dental room
24	Compassionate Companion Travel	$120 per day to a maximum of $3000	Costs of a family member to accompany an insured member following an evacuation or when a member has authorised in-hospital treatment which is not available in the country of residence.
25	Additional travel expenses	$2000 per event
26	Advanced Imaging Outpatient	Full cover	MRI, PET and CT Scans on referral of medical practitioner
27	Psychiatric	30 days	In a registered psychiatric unit treated by a Registered Psychiatrist	12 months
28	Rehabilitation	$10,000	Post operative and/or medically necessary In a registered facility under the management of a registered care giver
29	Ancillary Charges	$1500	Costs associated with crutches, wheelchair, boot, slings following in-patient/day-patient treatment
30	CHRONIC CARE	$1500		12 months
31	Congenital Conditions	$10,000	Inpatient Treatment of a diagnosed condition caused by a congenital abnormality which presents after join date	12 months
32	Complications of pregnancy	Full refund	In-hospital and Emergency Treatment of life threatening medical conditions which arise during pregnancy or childbirth
33	Maternity	$5000	Routine pregnancy and childbirth costsassociated with normal pregnancy and childbirth, pre and postnatal checkups and delivery costs	12 months
34	Newborn Benefit	Full refund	Costs relating to inpatient treatment of a new born baby for 10 days after birth for an acute condition	12 months

NUMBER	STEP UP BENEFITS	LIMITS	BENEFITS DETAILS	WAITING PERIODS
1	Out-patient services	$2000	Professional Services and Specialist consults	12 months
			Family Doctor, Prescribed Drugs and Dressings (excludes prescribed drugs which may be available as over the counter purchases)
			Physiotherapy by a registered physiotherapist
			Complimentary Medicines and Treatment by a Registered Therapist
			Psychiatric Treatment
2	Dental	$800	Dental consultation, treatment, x-rays, crowns and bridges	6 months
3	Optical	$200	Consultations, Frames and lenses,	6 months
4	Wellness	$300	Annual medical check ups	6 months
			Cancer screening
			Vaccinations
			Hormone Replacement Therapy