If you do not currently have an existing health plan, Primary Cover would cover 80% of medical expenses within stated limits as per the schedule of benefits and subject to reasonable and customary rates.
If you have an existing Health Plan, Secondary Cover would provide a reimbursement on your co-insurance expense, in an amount of 50% of the amount covered by your primary plan, up to a total co-ordinated limit of the expense incurred. E.g., If you incur a medical expense of $1,000.00, and your Primary plan covers $600, This Plan would cover 50% of the primary’s coverage = $300. Therefore, your out-of-pocket expense would be: $100.00
If you have an existing Health Plan, Top Up Cover would extend your primary health plan by increasing the maximum major medical benefit from the limit stated in your primary health plan to $3,000,000.00.
E.g., If the Major Medical Benefit on your existing health plan is $500,000.00, Top Up Cover would provide coverage from $500,000.00 to $3,000,000.00. i.e., if you exhaust the $500,000.00 of cover provided by your primary plan, Top UP cover will kick in and continue to provide coverage for the remaining expenses up to $3,000,000.00.