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Surgery Income Protection Plan
PRODUCT SPECIFICATION
ELIGIBILITY
- Permanent S.A. Residents
- Adults aged 18-
49 years - Children from 6 months to 17 years (24 if dependant and full time students
COVER
- Income Protector for Surgical Procedures
- Up to R50 000 Cover per incident
FEATURES
- Guaranteed acceptance -
medical examinations - World-
wide cover, 24 hours a day, paid out in South African Rands - Benefits paid directly to you
- Cover up to age of 60 years
- MSO provides access to managed care programme and assistance, which ensures quality care through effective and efficient utilisation of healthcare services
- 30 day obligation period
- Maximum Amount Payable -
two claims per item prescribed within a 365 day period
EXCLUSIONS
General exclusions including;
- Osteoporosis & Pre-
existing conditions - Self-
inflicted injury or illness - Diabete or epilepsy
- AIDS or HIV infection
- Surgical procedures not listed
Full details of exclusions available in policy wording;
BENEFITS
- Cover for individual only, individual & spouse, individual & children or entire family
- Automatic acceptance to MSO
|
RATES | ||
|
|
R25 000 |
R50 000 |
|
Individual |
R41.39 |
R77.92 |
|
Individual & Spouse |
R74.27 |
R143.68 |
|
Individual & Children |
R96.19 |
R187.52 |
|
Whole Family |
R129.07 |
R253.28 |
Debit order of R10.00 is applicable on individual business.
|
Description of Surgeries |
Sum Insured |
Description of Surgeries |
Sum Insured |
|
Amputation of Finger |
5% |
Drainage of abscess |
5- |
|
Appendectomy |
20% |
Removal of disk in back |
30- |
|
Repair of joint |
60- |
Examination of pelvic cavity |
25% |
|
Drainage of joint |
5% |
Examination of throat |
5% |
|
Bronchoscopy |
15% |
Stitching of wound |
10% |
|
Cautery of Cervix |
5% |
Varicose vein stripping |
15% |
|
Removal of Gall Bladder |
20- |
Removal of mastoid bone in ear |
20% |
|
Fractured Arm/Shoulder/Leg/Skull/Wrist |
5% |
Removal of kidney stones |
30% |
|
Repair of vaginal tear |
15% |
Removal of foreign object in eye |
5% |
|
Repair of skull |
100% |
Hernia repair |
20- |
|
Examination of bladder |
10% |
Repair of retinal detachment eye |
25% |
|
D& |
5% |
Repair of nose |
20% |
|
Drainage of ear abcess |
5% |
Examination of chest wall and lungs |
60% |
|
Repair of small bowl |
30% |
Removal of thyroid |
20% |
|
Removal of testicl |
10% |
Removal of tonsils |
5- |
|
Excision of ganglion |
5% |
Hysterectomy |
25% |
|
Drainage of fluid in testicle sac |
5% |
Removal of prostate gland |
25% |
|
Removal of growth in nose |
20% |
Gastroscopy |
5% |
|
Removal of breast lump |
10- |
|
|
|
Abdominal surgery |
40% |
|
|
|
Repair of Anal Fistula |
5- |
|
|
|
Removal of stomach and/or oesophagus |
35- |
|
|
Sum insured Expressed as a fixed percentage.
|
Downloads | |
|
Policy Wording |
544 Kb |
|
Application Form |
69 Kb |
|
Summary of Cover |
283 Kb |