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.
Additionally, you get access to our Unimed Preferred Provider Organisation discount network offering exclusive discounts at over 100 medical, dental and optometry providers nationwide. Finally, you will get access to Unimed Prime Virtual, our $0.00 Virtual Primary Care Benefit. This includes $0.00 virtual GP consultations Mon-Fri, 8:00 a.m.-4:00 p.m., excluding public holidays, limited to a maximum of 2 per month and 8 per year, with simplified booking and easy access to the Virtual Primary Care Clinic.
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
Additionally, you get access to our Unimed Preferred Provider Organisation discount network offering exclusive discounts at over 100 medical, dental and optometry providers nationwide. Finally, you will get access to Unimed Prime Virtual, our $0.00 Virtual Primary Care Benefit. This includes $0.00 virtual GP consultations Mon-Fri, 8:00 a.m.-4:00 p.m., excluding public holidays, limited to a maximum of 2 per month and 8 per year, with simplified booking and easy access to the Virtual Primary Care Clinic.
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.
This plan helps protect you from the high costs of hospitalization and critical illness at the tertiary level of care, with built in discounts and exclusive free services at the primary and secondary levels of care. Health coverage applies to inpatient hospitalization, eligible surgery, and emergency care, once pre-authorization is obtained. The plan pays up to 80% of Reasonable & Customary (R&C) charges for pre-approved hospitalisation and critical care expenses only. Additionally, you get access to our Unimed Preferred Provider Organisation discount network offering exclusive discounts at over 100 medical, dental and optometry providers nationwide. Finally, you will get access to Unimed Prime Virtual, our $0.00 Virtual Primary Care Benefit. This includes $0.00 virtual GP consultations Mon-Fri, 8:00 a.m.-4:00 p.m., excluding public holidays, limited to a maximum of 2 per month and 8 per year, with simplified booking and easy access to the Virtual Primary Care Clinic.