Medical Insurance is also called 'Health Insurance'; a type of insurance coverage that pays for medical and surgical expenses following illness or injury that are incurred by the insured member directly to care/medical providers.

Coverage designed to cater for families, small, medium sized and large organisations. Companies with as few as 3 staff can take up an SME or a Corporate cover

Cover is classified into the following two categories:

1. Inpatient:
A condition or procedure that requires the patient to be admitted to hospital overnight for a prescribed or indefinite period

2.  Outpatient:
A patient does not require admission and the treatment and/or procedure may be done at the doctor’s office/clinic

Additional riders:
Dental: Covers routine dentistry including dental consultation, prescription, extractions, fillings and dental x-rays

Optical: Covers routine optical consultations, prescription for frames and other optical prescriptions, prescribed lenses and replacement

Maternity: This benefits caters for in-patient expenses for child delivery and pregrancy relaated complications (including caesarean section and ectopic pregnancy).

NB: Inpatient is the primary benefit

Key determinants for a medical cover: