What should you be prioritizing when you get medical insurance? What exclusions and other important medical insurance related matters should you be aware of?

Updated: Jun 29, 2019

What is covered in medical insurance?

Hospitalization & Surgical Insurance

Coverage pays the hospital & doctor for a hospitalized patient confined for min 12 hours. This also includes specified accident & surgical benefits for accident/illness where there is no hospitalization.

  • Room and Board Benefit (R&B)
  • Intensive Care Unit (ICU)
  • Surgical Benefits
  • Anesthetist Fees
  • Pre Hospital Diagnostic Tests
  • Pre Hospital Specialist Consultation
  • Daycare Procedures
  • In Hospital Physician Visit
  • Post Hospitalization Treatment
  • Emergency Accident Outpatient Treatment Benefit
  • Ambulance Service
  • Emergency Sickness Outpatient Treatment Benefit
  • Government Hospital Daily Cash Allowance
  • Medical Report Reimbursement
  • Outpatient Cancer Treatment, Kidney Failure Treatment

Additional Benefits

Note: Depending on insurer and medical insurance plan


Why is medical coverage important?

Insurance should low cost (high value) and cover high, unexpected events. One of the highest costs that is covered is namely medical hospitalization and surgery costs.

We often think that we won’t fall ill or require hospitalization/surgery but it can indeed happen to anyone.

In fact for many insurance companies, medical coverage is barely breaking even (or even a loss leader) to ensure that you get covered.


Are there alternatives?