Health and Personal Accident Insurance
hEALTH BENEFITS
In case of Hospitalization (due to Accident or illness)
| Limitation | Plan A | Plan B | |
|---|---|---|---|
| Pre-Hospitalization | Max 10 days | $100 | $200 |
| Post Hospitalization | Max 90 days | $100 | $200 |
| Hospital General Fees | Max per event | $500 | $900 |
| Out-patient Minor Surgery | Max per event | $500 | $700 |
| In-patient Minor Surgery | Max per event | $1200 | $1800 |
| Major Surgery | Max per event | $1500 | $2100 |
| In-Hospital Doctor Visit | Max 90 days | $10 | $20 |
| Ambulance | Max per event | $50 | $150 |
| Room and Board Ordinary | Max 90 days | $15 | $25 |
| Room and Board Intensive Care | Max 21 days | $100 | $200 |
| Daily Cash Allowance at Governmental Hospital | Max 90 days | $10 | $15 |
| Outpatient Services for Accidental Injury | Max per event | $100 | $300 |
hEALTH BENEFITS
In case of Hospitalization (due to Accident or illness)
Pre-Hospitalization
Limitation:
Max 10 days
Plan A:
$100
Plan B:
$200
Post Hospitalization
Limitation:
Max 90 days
Plan A:
$100
Plan B:
$200
Hospital General Fees
Limitation:
Max per event
Plan A:
$500
Plan B:
$900
Out-patient Minor Surgery
Limitation:
Max per event
Plan A:
$500
Plan B:
$700
In-patient Minor Surgery
Limitation:
Max per event
Plan A:
$1200
Plan B:
$1800
Major Surgery
Limitation:
Max per event
Plan A:
$1500
Plan B:
$2100
In-Hospital Doctor Visit
Limitation:
Max 90 days
Plan A:
$10
Plan B:
$20
Ambulance
Limitation:
Max per event
Plan A:
$50
Plan B:
$150
Room and Board Ordinary
Limitation:
Max 90 days
Plan A:
$15
Plan B:
$25
Room and Board Intensive Care
Limitation:
Max 21 days
Plan A:
$100
Plan B:
$200
Daily Cash Allowance at Governmental Hospital
Limitation:
Max 90 days
Plan A:
$10
Plan B:
$15
Outpatient Services for Accidental Injury
Limitation:
Max per event
Plan A:
$100
Plan B:
$300
PERSONAL ACCIDENT BENEFIT
| Limitation | Plan A | Plan B | |
|---|---|---|---|
| Accidental Death/Disability | Max per year | $3000 | $5000 |
Accidental Death/Disability
Limitation:
Max per year
Plan A:
$3000
Plan B:
$5000
Voluntary Enrollment:
- Child: 5 - 17 years old
- Adult: 18 - 60 years old
Nationality:
- Cambodian only
General Exclusions
- Consequences of suicide and self-injury;
- Death, disability causes by intentional actions of insured’s legal heir;
- Consequences of war, terrorism, riots/demonstration, commit criminal act;
- Consequences of quarrel;
- Consequences of drugs or alcohol consumption. Note: based on police or health facility reports;
- Consequences of Natural catastrophes, epidemics and pandemic declared by relevant authorities;
- Death related to Human Immunodeficiency Virus (HIV);
- Death related to pregnancy;
- Professional sport related death, disability and injuries;
- Traffic accident due to abusing country traffic rule.
Specific Exclusions for Health risk benefits
- Inpatient treatment at a cabinet or nursing cabinet;
- Physiotherapy, Cosmetic surgery, Plastic surgery, Skin diseases;
- Congenital abnormally;
- Chronic conditions and any complications thereof;
- Blood transfusion/ Hemodialysis and Organ transplant;
- Eye and dental treatments unless accidental injury;
- Treatments performed by traditional healers;
- Artificial Fecundation and infertility treatment;
- Mobility aids or assistive devices for disabilities;
- All services related to Maternity;
- Pre-existing or chronic condition and any complication thereof;
- Mental illness;
- Sexual Transmitted Diseases, HIV/AIDS;
- Preventive treatment/Prophylactic, Vaccination and medical check-ups;
- Any services covered by national programs. E.g. (currently HIV, Tuberculosis, Leprosy);
- Admission for Para-clinical Examination.