PUBLIC HOSPITAL CASH BENEFIT
12 If You are admitted to a Public Hospital for three (3) or more consecutive nights, You will receive $200 for the fourth and each subsequent night, up to a maximum of ten (10) nights. The maximum amount payable per Life Assured , per Policy Year is $2,000. The Public Hospital cash benefit does not apply to any admission as a fee paying patient in a Public Hospital , maternity care or admission due to an accident. No excess applies. 13 If You are admitted to a Hospice for three (3) or more consecutive nights, You will receive $100 for the fourth and each subsequent night, up to a maximum of ten (10) nights. The maximum amount payable per Life Assured , per Policy Year is $2,000. No excess applies. 14 We will cover treatment carried out in a Public Hospital up to the limits specified under Your Policy , provided We have given Our approval and the Private Involvement Protocols (or any replacement protocols) set by the Ministry of Health for the treatment of private patients in Public Hospitals have been followed. 15 If You suffer one (1) or more of the Trauma conditions listed below and as a result are admitted to a Private Hospital or admitted as a fee paying patient to a Public Hospital , We will waive the excess selected (if any).
HOSPICE COVER
HEALTH FUNDING AUTHORITIES - FEE PAYING PATIENTS IN A PUBLIC HOSPITAL
EXCESS WAIVER BENEFIT
The Trauma conditions are: 1. Heart Attack 2. Stroke 3. Coronary Artery Bypass Surgery 4. Critical Cancer.
Diagnosis must be made in writing by a Specialist , to Us and be based upon radiological, clinical, histological or laboratory evidence acceptable to Us .
Trauma conditions defined as:
1 HEART ATTACK Heart Attack means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The basis for Diagnosis of a heart attack will be: • Confirmatory new electrocardiogram (ECG) changes indicative of ischaemia; and • A diagnostic rise and fall (other than as a result of cardiac or coronary intervention) in either:
1. Troponin I in excess on 2.0ug/L; or 2. Troponin T in excess on 0.6ug/L.
In addition, if the above criteria are not met, We will pay a claim based on evidence satisfactory to Us that You have been Diagnosed as having suffered a myocardial infarction resulting in: • A permanent reduction in the left ventricular ejection fraction to less than 50%, which is the result of the death of a portion of the heart muscle. For the purpose of this policy, the assessment of the ejection fraction should be made at least ninety (90) days after the event that lead to the Diagnosis of a heart attack.
PC-SHC-04/2022
Page 10 of 22
Powered by FlippingBook