Health Insurance can be defined as a system of advance financing of health expenditure through contributions, premiums or taxes paid into a common pool to pay for all or part of health services specified by a policy or plan.

When you have selected your plan type, filled the registration form (selecting a primary care provider from the hospitals in the network) and your CODE has been handed over to you, you simply visit your elected hospital whenever you need to access medical services.

Every Member of staff and eligible family members as determined by your company policy.

Yes you can change your plan type at the renewal of your policy which would be monthly.

The family plan covers an individual, a spouse, and children under the age of 21 years and would be paid individually.

NO, you cannot access care without your identification code. A letter of introduction to the hospital will be mailed to you and the hospital prior to the delivery of your HMO identification code. Please contact our customer care centre for assistance.

Yes, you can access care. When you travel out of state or perhaps you are in dire need of medical care and you are not in close geographical proximity to your hospital, you can access care via the other hospitals in the network.

We have a wide network of providers and, we would advise that you choose a health care provider near where you live or work. Our contact centre is available 24 hours daily to help you with your choice of a health provider.

At the beginning of the health plan period, you will receive a health plan handbook in hard and electronic form which contains the medical benefits covered. Kindly Contact our call centre to validate the plan benefits.

There is none because the HMO plan operates just the same as a regular insurance policy. The premium is not refundable.

No, each family member may choose a different primary care physician.