The advantages of the hospital plan are:
- There is an absolute freedom of choice since one can use the cash in any way they wish to i.e. paying school fees, utility bills etc.
- Cash payouts of US$100 and US$50 for adults and kids respectively
- Pays up to US$3000 and US$1500 for adults and kids per event you are in hospital (after 48hours)
- Pre-existing conditions/ailments covered (including HIV/Aids)
- Should you be diagnosed with HIV/Aids or any chronic ailment after the commencement of your policy, you will be covered
- It can cover shortfalls from medical aid
- Immediate cover for incidents (no waiting period).
- There is a 3 month waiting period for other illnesses
- There is a 6 months waiting period for surgeries.
- Covers people from 3 months to 64 years
- Does not cover pregnancy