YOUR BENEFITS	YOUR LIMITS
Day Care, Hospitalisation, Surgical and Medical Treatment. Prior approval from Colonial Health Care required.(90 days waiting period for sickness or illness. No waiting period for accident cases)
Suva Private Hospital	Annual Limit of $120,000 per condition
Hospital bed and all related services and charges	100% of charged costs with inner limits.
Consultant/Surgeon	As charged but not more than the prescribed amount set according to Theatre Bands
Prosthesis	100% of charged costs subject to the limits agreed with Suva Private Hospital.
Air Transportation Subsidy	Maximum $150 per trip up to 2 trips per confinement.
24-hour Admission Coverage	Maximum of $750 per admission
Any Government Hospital	Annual Limit of $10,000 per condition.
Hospital bed and all related services and charges	As charged but not more than Public Health Schedule of Fees.
Prosthesis	As charged up to $1,000 per Condition.
Cash Allowance	$50 per day provided hospital stay is more than 48 hours. Limit of $1,000 per stay
Visiting Consultants	As charged but not more than the Australian Commonwealth Medical Benefit Schedule of Fees (CMBS).
Local Consultants	As charged but not more than Public Health Schedule of Fees.
Overseas Treatment
Colonial Preferred Provider and treatment not available locally.	100% of charged costs with inner limits. Annual limit of $500,000 per condition.
Non-Preferred Provider and treatment not available locally.	80% reimbursement of charged costs with inner limits. Annual limit of $150,000 per condition.
Non-Preferred Provider and treatment available locally.	80% reimbursement of charged costs with inner limits. Annual limit of $100,000 per condition.
Loyalty Benefit
Funeral Cover (after one full year of cover)	$1,500 on the death of the Primary Insured.
Free Medical Check up at Suva Private Hospital	Once after every two full years of continuous cover and the third year premium paid for the Primary Insured and Spouse only.
Maternity Benefit (Prior Apporval from Colonial Health Care required.12 months waiting period)
Applicable for Suva Private Hospital, Australia or New Zealand.	80% reimbursement of charged cost but not more than $3,500 per annum.

 

Optional Benefits
Priority Outpatient Care Premium $215.00 per person per annum (1 month waiting period) This is a combination of the Outpatient Plan and Specialist and Diagnostic Services. Under the Outpatient Plan you nominate your provider from our list of preferred providers around Fiji including Suva Private Hospital's 24-hour clinic.A registration fee up to a maximum of $5.00 per visit is payable to your nominated provider.Specialist and Diagnostic Services can be used on referral from your nominated provider.	Outpatient Plan: Unlimited consultation with your nominated General Practitioner during normal working hours. Issuance of prescriptions for Rx phamarceuticals; Provision of dressingss.injections,infusions and drips;and Specialist and Diagnostic Services: Provides 90% reimbursement for medical charges with inner limits. Annual limits are: - Diagnostics-$500 per annum - Specialist - $2,000 per annum
Dental and Optical (12 months waiting period ) Premium $156.00 per person per annum	Annual limit of $500.
Dental	80% reimbursement of charged costs up to $250 for any twelve months.
Optical	80% reimbursement of charged costs but not more than $250 per annum.
Allied Health Services Benefit (12 months waiting period) Premium $125.00 per person per annum Services provided by the following:Acupuncturist, Chiropractor, Dietitian, Osteopath, Occupational Therapist, Orthoptist, Podiatrist, Physiotherapist & Speech Therapist	Annual limit of $200. Will reimburse up to $24 per treatment. In any 12 months a maximum of 6 treatments will be allowed for any one type of treatment.

Age Band (Age next birthday)	Single	Family ($)
6 months-14 years	100
15-19	120
20-24	601	1,372
25-29	832	1,834
30-34	859	1,888
35-39	904	1,978
40-44	959	2,088
45-49	1,051	2,272
50-54	1,227	2,624
55-59	1,693	3,556
60-64	2,219	5,496
65-69	2,663	5,496
70-75	2,663	5,496

Important Notes

• Terms and conditions apply to all benefits.
• Maximum limits stated are annual amounts.
• Pre-existing Conditions accepted by Colonial will only be covered after a period of 24 consecutive months of cover.
• Children aged 12 and under requiring admission at Suva Private Hospital will be assessed on a case by case basis.They will be referred to the Public Hospital if treatment is not available at Suva Private Hospital. 
• All amounts are in Fijian currency unless stayed otherwise.
• All dependants must be totally reliant on and related to the Primary Insured by being the spouse or partner or biological or adopted single child under the age of 18 years or under the age of 25 years if a full-time student in an accredited educational institution. Proof of being a dependant may be required.

1. Family Rate includes primary insured, legally married or defacto spouse and 6 dependent children or a single parent and 6 dependent children.
2. For a family with more than 6 children, the premium rates for age band 6 months -14 and 15-19 will apply from the 7th child onwards.
3. The premium rates for age band 6 months-14 and 15-19 is only available to the family plan. Therefore a single adult aged 18 next birthday will need to take out the 20-24 age band rate.
4. The 20-24 age band premium rate will apply to a family where the primary insured is under the age of 20.

General Exclusions:

•  All pre-existing conditions.
• All congenital conditions.
• All conditions realted to HIV.
• All condtiions related to drugs and alcohol abuse.
• All conditions realted to Sexually Transmitted Diseases.
• All geriatric conditions.

How to Apply
Click here to download a Health Insurance Application form or call 132 888 and contact your Sales Agent. Alternatively,you can also click here to contact or visit your nearest Life & Health Insurance Sales Office.

NOTE:
It is important that you fully understand the benefits assocciated with Priority Hospital Care Plus. The Information in this web page is for information only and does not constitute a legally binding document. Full details however are outlined in the Insurance Policy Document.