HCI Protector Plans
What is insured?
Insured | |
Insured with limits | |
Not insured |
Benefit | Emergency Plus | Standard | Plus | Premium | Executive | |
Hospital inpatient treatment | ||||||
Accommodation, operating theatre, and recovery room | ||||||
Daycare surgery / treatment | ||||||
Diagnostic procedures | ||||||
Nursing | ||||||
Prescription drugs & medicines | ||||||
Physician, specialist, surgeon, and anaesthetist fees | ||||||
Eye surgery (illness and accidents only) | ||||||
Outpatient and preventative treatment | ||||||
Alternative Medicine | ||||||
Physician and paramedic fees | ||||||
Physiotherapy | ||||||
Prescribed drugs | ||||||
Diagnostic tests / treatments | ||||||
Health checks: | ||||||
Vaccinations | ||||||
Wellbeing | ||||||
Well child care | ||||||
Hospice and terminal care | ||||||
Physical, psychological, social, spiritual care and hospital or hospice accommodation, nursing, and prescription medicines | ||||||
Cancer treatment | ||||||
Chemotherapy, radiotherapy, oncology, diagnostics, and prescribed drugs for treatments received as in-patient and day-patient. | ||||||
Maternity and childbirth | ||||||
Normal pregnancy and childbirth | ||||||
Complications of pregnancy and childbirth | ||||||
Dental treatment | ||||||
Emergency dental treatment | Optional | Optional | ||||
Dental crowns / bridges / dentures / implants | Optional | Optional | ||||
Routine dental care | Optional | Optional | ||||
Restorative dental treatment | Optional | Optional | ||||
Orthodontics (for children under 18) | Optional | Optional | ||||
Transportation | ||||||
Emergency medical evacuation and medical repatriation | ||||||
Road ambulance | ||||||
Repatriation of mortal remains | ||||||
Other benefits | ||||||
Eye examinations / eyeglasses / contact lenses | ||||||
Home nursing | ||||||
Personal Accident cover (in case of death by accident for members over the age of 18) | ||||||
Prescribed medical aids | ||||||
Psychiatric, drug or alcohol dependency | ||||||
Rehabilitation / convalescence | ||||||