Middlesea Insurance recently launched the Family Health Insurance Scheme, a new insurance product which covers all the health insurance needs of all family members, upon payment of a single premium only.
This health insurance scheme gives protection cover to all family members in case of any injury or other medical contingencies such as hospitalisation, medical expenses, and surgical expenses.
The scheme offers generous out-patient benefits including refund for general practitioners’ fees, consultations with specialists, a dental benefit, maternity benefit, as well as a benefit for funeral expenses.
Clients only need to pay a single premium per family, including family discounts, while the premium can be paid monthly, quarterly, half yearly or annually.
Another unique and important feature is the unemployment benefit. Should one become unemployed as a result of redundancy, and therefore is unable to pay the premium, Middlesea will pay it on behalf of the customer.
Moreover, should the policy holder decide to transfer his/her cover either from or to an individual basis, one can still enjoy continuous cover as long as he/she remains on the same level of cover.
For more peace of mind, a personalised card is issued to all insured members of the family. Newborn children can be included in the scheme free of charge, until the next date of renewal.
This scheme also includes the exclusive Second Medical Opinion service program. This means that if any member of the family is diagnosed with a serious illness and would like to get further confirmation, the insured is given access to a network of acknowledged international medical experts at no extra cost.
Although the purpose of the scheme is to provide cover for treatment received in the Maltese islands, if the insured or an insured member of the family requires emergency treatment while abroad, this is covered up to the same level as what would have been paid had the same treatment been received in Malta.
Apart from offering a full refund for all eligible medical costs associated with hospitalisation for every person insured, one can save substantially by sharing some of the out-patient benefits between the members of the family. At the same time a whole out-patient benefit can be utilised by one single person in case of seriousillness.
Joining the Middlesea Family Health scheme is simple as no medical tests are required as long as the person applying for cover is under 60 years old.
Simply complete a proposal form and, for more information, call Middlesea Insurance on 2124 6262, any authorised intermediaries or visit www.middlesea.com.