Dhivehi Insurance

Expatriate Medical

Introduction

Expatriate medical insurance covers medical bills incurred as an inpatient and outpatient due to accidental injury, sickness, disease, or illness. Hospital benefits, surgical benefits, medical benefits, pre-existing conditions, and repatriation are covered.

Coverage

This policy is provided for all expatriates who are issued a work permit from the Ministry of Economic Development and the Maldives Immigration.

Coverage	Sum insured
Outpatientbenefits:	MVR 2,000.00
(Medical expenses other than In-patient expenses)
Consultation fees
Pharmacy bills & any prescribed medical bills
Ambulance fees
Inpatientbenefits:	MVR 100,000.00
Hospitalbenefits
Daily ward and boarding charges at medical facility	Up to the inpatient benefits limit
(excluding private room charges)
Intensive care unit	Up to the inpatient benefits limit
Hospital supplies, services, and operation theatre	Up to the inpatient benefits limit
Medicalbenefits:
(Medical expenses other than In-patient expenses)
Pre-hospital diagnostic services	Up to the inpatient benefits limit
Pre-hospitalization specialist consultation	Up to the inpatient benefits limit
Daily In-hospital physician's visits (Max. 60 days)	Up to the inpatient benefits limit
Post Hospitalization treatment (within 31 days from discharge)	Up to the inpatient benefits limit
Surgicalbenefits:
Surgical expenses comprising the following (but excluding organ transplantation)
Pre-surgical diagnostic services	Up to the inpatient benefits limit
Pre-surgical specialist consultation, surgical fees	Up to the inpatient benefits limit
Anesthetist’s fees and surgeon fees	Up to the inpatient benefits limit
Pre-existingconditions	Up to the inpatient benefits limit
Repatriation(IflossoflifeoccurswithinMaldives)	Up to the inpatient benefits limit
Repatriation cost of mortal remains to his/her country from Maldives or burial cost within Maldives