For people working overseas, whether it is for individual, family, groups or company, there can be numerous hidden pitfalls concerning healthcare. Allied Expatriate Health Insurance
minimizes healthcare cost incurred by expatriates living and working in Maldives.
What is covered?
Local inpatient health insurance coverage from government
medical centers and listed private medical centers upto a
maximum of MVR 100,000. This cover includes pre-existing
illnesses and excludes private room accommodation
at the hospital.
An insured person will receive local outpatient health insurance
coverage including consultation fee from Authorized Medical
Centre’s up to a maximum of MVR 2,000.
Repatriation cost of mortal remains to his/her home country from Maldives or burial cost within the Maldives (if loss of life occurs within the Maldives) up to the overall Limit.
Government Medical Centers: Nil Co-payment Private Medical Centers: 15% Co-payment from each & every claim
Government Medical Centers: 5% Co-payment Private Medical Centers: 15% Co-payment from each & every claim
Schedule of benefits:
Main Exclusions of this policy are but not limited to:
Abortion (unless it is a medical termination of pregnancy),
infertility and all complications arising therefrom. Conditions arising from surgical, mechanical, or chemical
contraceptive methods of birth control. Non-Authorized Medical Centre, Nursing Care, rest cures or
sanitaria care, treatment arising from any geriatric,
psycho-geriatric or psychiatric condition, treatment of
alcohol dependence syndrome and drug addiction & abuse.
Sickness or disease directly or indirectly arising from Human
Immunodeficiency Virus (HIV), Acquired Immune Deficiency
Syndrome (AIDS) or any HIV/AIDS related condition.
Suicide or attempted suicide, self-inflicted injuries,
self-destruction, or any attempt thereat while sane or insane. Medical Expenses/Treatment from any country other than
Republic of Maldives. Private room accommodation in the hospital.