What is the Multi Medical-Protector all about?
Well, as the name suggests it’s a multi-function comprehensive medical insurance policy to make sure that you are financially prepared for most medical situations you might find yourself in. It has been especially tailor made to support Hospital and Surgical costs regardless the degree of the surgery, major or minor.
The plan will come with a medical card to provide you with easy access and admissions at anyone of the MPI Generali panel hospitals.
How much does the plan cover then?
First off, this policy comes with 5 plans for you to choose from, each with its own range of coverage and premiums. So be sure to pick the plan that works best with what you need and want.
Like most health insurance plans, this one gives you coverage for in-patient treatment which usually entails the fees for hospital room and board, use of hospital services and equipment, surgical fees and such. Above that, the policy covers selected out-patient treatments as well. It will cover all pre-hospitalization charges for specialist consultation and diagnostic tests that might have been done.
The policy will also look after any post-hospitalization treatment you need within 90-days of your discharge. Not to mention, the coverage for defined major disabilities. Some of the disabilities or illnesses included in that list is Heart Attack, Stroke, Cancer, Brain Surgery, Open Heart Surgery, Coma, and Major Organ Transplants.
Who can apply for this policy?
Anyone over the legal age can pick up this policy and the plan that you want whenever you are ready to do so. Parents who are thinking of purchasing this policy need to keep in mind that any children included under the policy needs to be more than 15 days old.
The coverage for this policy only ends when you turn 101 in age.
Can I get this as a family plan?
Yes! It is actually better for you to purchase this policy as a family. The requirement is that you have 4 or more members in your family to be eligible. With your family policy, you will get a discount of 15% on the total amount of premiums you have to pay.
What if I wanted to cancel my policy?
Any cancellations made are entirely your choice. However do take note that there is a cooling period of 15 days, after you receive the policy and every time you renew it. It is only in these 15 days that should you cancel your policy, you will be refunded for most of your premiums paid.