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For people working overseas, whether it is for individual, family, groups or company, there can be numerous hidden pitfalls concerning healthcare. Expatriate Takaful minimizes healthcare cost incurred by expatriates living and working in Maldives.
Mandatory Cover
Inpatient: Health Takaful coverage from Government Medical Centers (100% covered) and from listed Private Hospitals with 15% co-payment.
Inpatient ward only / private room (excluded)
Pre-existing medical conditions are covered
The empaneled Hospitals will provide cashless service
To obtain service, a work permit card must be presented
Territorial limit: Maldives only
When a covered injury or sickness results in loss of life of a covered person, the takaful operator will pay for the preparation and the transportation of the mortal remains of the covered person from the place of death to the country of permanent residence, or for the preparation and local burial of the mortal remains of a covered person. If mortal remains is buried within Maldives, the beneficiaries will be given a cash benefit of MVR 30,000
The above benefits would be arranged if the only loss of life occurs within the Maldives.
Benefits:
SURGICAL BENEFITS (up to overall limit)
Surgical expenses comprising the following (but excluding organ transplantation):
MEDICAL BENEFITS (up to overall limit)
Medical expenses for non-surgical treatment, comprising:
LIFE COVER
| Life insurance sum assured (death cover: if the mortal remains are buried with in Maldives) | 30,000 |
| Repatriation or burial with in Maldives (if loss of life occurs with in Maldives) | The Total Cost |
Premium:
| Mandatory Cover (Inpatient health cover and repatriation) | 550 |