Your Benefits	Limits
Day Care, Hospitalisation, Surgical and Medical Treatment at Suva Private Hospital*(waiting period 90 days)	$120,000 annual limit per condition.
Hospital bed and all related services and charges	80% of charged costs with inner limits.
Consultant/Surgeon	As charged but not more than the prescribed amount set according to Theatre Bands
Prosthesis	80% of charged costs subject to the limits agreed with the Suva Private Hospital.
Air Transportation Subsidy	Maximum $150 per trip up to 2 trips per confinement.
Co-Share Payment Limit	20% of charged costs to a maximum of $2000 per policy year per condition
Day Care, Hospitalisation, Surgical and Medical Treatment  any Government Public Hospital* (If preferred)	$10,000 annual limit 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 Allowances	$50 per day provided the hospital stay is more than 48 hours. Maximum 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* (requires prior approval) 90 days waiting period. )
Treatment provided by a preferred provider and treatment not available locally.	100% of charged costs with inner limits. Maximum of $500,000 per Condition.
Treatment provided by a non- preferred provider and treatment not available locally.	80% of charged costs with inner limits. Maximum of $150,000 per Condition.
Treatment provided by a non-preferred provider and treatment available locally.	80% of charged costs with inner limits. Maximum of $100,000 per Condition.
Loyalty Benefit*
Funeral Cover (after one year of cover)	$1,500 per person.
Free Medical Check up at Suva Private Hospital	Once every two years after two full years of continuous cover at the Suva Private Hospital.
Maternity Benefit*
Applicable for Suva Private Hospital, Australia or New Zealand.	80% of charged cost up to $3,500.

Attachable Optional Benefits
Priority Outpatient Care* Premium $215.00 per person per annum	Simply nominate your provider from our list of preferred providers around Fiji including Suva Private Hospital’s 24-hour clinic. This benefit covers consultation with General Practitioners, Specialist and Diagnostic Services.
Optical and Dental Benefit* (12 months waiting period ) Premium $156.00 per person per annum -optical -dental	Annual limit of $500. 80% reimbursement of charged costs up to $250 for any twelve months. 80% reimbursement of charged costs up to $250 for any twelve months.
Allied Health Services Benefit* (12 months waiting period) Premium $125.00 per person per annum Acupuncturist, Chiropractor, Dietitian, Osteopath, Occupational Therapist, Orthoptist, Podiatrist, Physiotherapist, Speech Therapist	Annual limit of $200. 80% reimbursement of costs up to $24 per treatment up to a maximum 6 treatments in any twelve months for each type of service.

Age Band of Primary Insured	Single ($)	Family ($)
0-14	90
15-19	110
20-24	465	1,140
25-29	673	1,496
30-34	694	1,538
35-39	729	1,608
40-44	771	1,692
45-49	905	1,960
50-54	1,053	2,256
55-59	1,444	3,038
60-64	1,935	4,020
65-69	2,177	4,504
70-75	2,177	4,504

Important Notes
Information in this web page is not legally binding. All details however are outlined in the Insurance Policy Document.
*Terms and Conditions apply

• Maximum limits stated are annual amounts.

• Pre-existing Conditions will only be covered after 24 consecutive months of cover.

**Family Rate includes primary insured, spouse and six dependant  children or a single parent and six dependant children.

1. For a family with more than six children, the premium rates for age band 0-14 and 15-19 will apply from the seventh child onward.
2. The premium rates for age band 0-14 and 15-19 are only available under the family plan. Therefore a single adult aged 18 willneed to take out the 20-24 age band rate.
3. The 20-24 age band premium rate will apply to a family where the primary insured is under the age of 20.
4. 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 on full time studies in an accredited recognised educational institution. Proof of being a dependant may be required.

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