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In times of ill health or recovery, LifeCare gives you financial support when you need it most by helping to cover medical expenses. Even more important, your medical needs may require lifesaving and costly treatment. LifeCare can make this accessible to you. LifeCare is available as Group or Individual Health Plans (local and international).
LifeCare is an innovative concept, which offers you a choice of Comprehensive Major Medical or Basic and Supplementary Major Medical Plans, with lots of flexibility to customize the plans to you or your company's circumstances.
Key Benefits
- A choice of Major Medical Maximum Benefit
- Preventative Care
- Immunizations
- Maternity & Postnatal Care
- In-patient and Outpatient Services including Surgery
- Doctor and Specialist Visits
- Emergency Treatment
- Ground and Air Ambulance
- Medical Equipment and Prosthesis
- Laboratory Service
- Prescription Drugs
- Chemo/Radiation and Renal Dialysis Therapy
- Psychiatric Care, Substance Abuse and Mental Illness
- Private Nursing
- Dental & Vision Care
- Emergency Overseas Benefit
LifeCare: Provisor
This plan gives you unlimited access to one of the largest Preferred Provider Organizations (PPO) in the region. Preferred Provider means that you use specified doctors or institutions, which are identified upfront. We have also forged alliances with some of the best healthcare providers and administrators worldwide. LifeCare's network of PPOs includes qualified and experienced medical practitioners and specialists, hospitals, pharmacies and laboratories.
The comprehensive medical plan offers medical cover that allows immediate treatment with a small co-payment and no completion of claim forms. With Provisor you even have the option of using practitioners and facilities outside the network.
LifeCare: Quantum
Quantum offers two types of medical plans: (1)Basic plus Supplementary Major Medical (2) Comprehensive Major Medical. The Basic plus Supplementary Major Medical offers the basic benefits section which has specific dollar and number of treatment limits per 90 day period of disability and the supplementary major medical benefit section which takes effect once you have satisfied a calendar year deductible. You are then reimbursed a percentage of the eligible medical expenses up to the maximum Major Medical benefit limit.
The Comprehensive Major Medical plan provides complete and substantial medical expense coverage under one plan, which takes a calendar year deductible (a specified flat amount before any benefits are payable) and reimburses a percentage up to a specified dollar limit. The amount not reimbursed is called the co-insurance, which is a percentage of the eligible medical expenses in excess of the deductible.
The Quantum Plans can be easily customized and therefore offer more liberal benefits based on the clients' healthcare need. Members also have the flexibility of choosing their personal Providers.
LifeCare Provisor & Quantum offer freedom and flexibility to cover all your needs.
- Convert to an individual policy if you leave the Group
- Receive lifetime coverage at reduced benefit
- Choose your own healthcare providers (local and international)
- Avoid on-the-spot, full payment for medical treatment- only co-payment
- Get assistance and advice from our 24/7 answering service
- Dramatically reduce out-of-pocket costs
- Waive deductibles for treatment within the network.
- Virtually eliminate claim forms for services received within the network
LifeCare Covers Everyone
- Employee/Employer
- Professional Associations
- Credit Unions
- Banks
- Finance Companies
- Wholesalers/Retailers
- Trade Unions
Insurable individuals are:
- Yourself
- Yourself and child or children
- Yourself and your spouse
- Yourself and your family (spouse and children)
Eligibility
For group coverage a membership of at least three is necessary. The minimum age of acceptance is 18 years and the maximum is 64 years. Dependant children are covered up to age 18. For individual coverage the minimum age is 18 years and the maximum is 55 years.
