HOSPITAL PROTECT
A cost-effective hospitalization insurance plan Underwritten by Starr International Insurance Philippines
Provides daily hospital income in case you or your loved one be hospitalized as a result of suffering from sickness or accident.
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This plan can be a cost-effective alternative or a complimentary protection to your HMO or medical insurance, to enable you to get paid daily when you are hospitalized.
What are included in Hospital Protect insurance plan?
Daily Hospital Income
Pays a Daily Cash Benefit for each Day of Confinement in a Hospital based on the recommendation of a Registered Medical Practitioner as a result of Injury or Sickness.
Double Indemnity – Intensive Care Unit Benefit
Pays double the Daily Cash Benefit for each Day of Confinement in the Intensive Care Unit of a Hospital based on the recommendation of a Registered Medical Practitioner as a result of Injury or Sickness.
Emergency Surgical Allowance
Reimburses actual expenses up to maximum Sum Insured if a Registered Medical Practitioner determines within the first 24-hours of being admitted as a Registered In-Patient an Emergency Surgical Operation is necessary due to an urgent medical condition the Insured is completely unaware of and/or should have known about.
Who can enroll in Hospital Protect insurance plan?
FREE COVERAGE FOR CHILDREN
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If ONLY Main Applicant / Employee purchases a Hospital Income plan, each dependent child will be automatically covered for 10% of Main Applicant/Employee’s Sum Insured for free.
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If BOTH the Main Applicant / Employee AND his / her Spouse purchases a Hospital Income plan, each dependent child will be automatically covered for 25% of the Main Applicant / Employee’s or Spouse’s Sum Insured whichever is lower for free.
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Free coverage for dependent children is not applicable if Main Applicant’s Parents and/or Parents-In-Law purchase a Hospital Protect plan.
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Main Applicant / Employee and/or his/her Spouse must purchase in order for dependent children to enjoy free coverage
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If Main Applicant/Employee AND Spouse purchase Hospital Income plans with the same Sum Insured each dependent child will be covered for 25% of the Sum Insured of the Main Applicant/Employee for free.
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Children will be covered from 6 months old up to 18 years old or up to 25 years old if in full time education.