• Individual

An individual indemnity-based health insurance policy provides reimbursement for medical expenses incurred by the insured, up to the policy’s sum insured. To receive reimbursement, the insured must submit detailed hospital bills and expense records, which will be reviewed and settled.

Critical illness cover can be added to an existing policy as a rider or purchased as a standalone plan, providing a lump sum payout upon diagnosis of a severe medical condition, such as cancer, heart disease, paralysis, or renal failure. Typically, there is a 30-day waiting period before the insured can claim benefits.

• Individual

A top-up individual health insurance policy is a supplementary indemnity policy designed for individuals who already have an existing health insurance policy. It provides additional coverage for medical expenses beyond the initial sum insured, allowing policyholders to claim even after their primary policy limits have been exhausted. This policy typically comes with a mandatory deductible, which must be paid before coverage.

Even with meticulous planning, international travel can be unpredictable. Travel insurance is often overlooked until unexpected events occur, such as accidents, sickness, loss of travel documents or trip delays due to bad weather. Hospitalization abroad can be particularly distressing and costly. That’s where travel insurance comes in. Various plans are available, including:

• Single Trip (Leisure) Plan: Ideal for infrequent travelers, covering holidays or leisure time abroad.
• Multi-Trip Plan: Suitable for frequent travelers, providing extended coverage for a year.

Personal accident insurance provides financial protection against accidental injuries, death or loss of ability to earn, which may not be covered under standard life or health insurance policies. This type of policy offers coverage for loss of life, loss of limbs or permanent disability and accidents occurring during commute or in the workplace.