Corporate Premium Plan

General Terms and Conditions

1. The general waiting period for accessing basic medical care is 3 months.
2. 9 months waiting period applies to all new policies. However, in the relationship of husband and wife, where the husbands’ policy had been running fora periodof more than 9 months, the 9 months waiting periodshall not be applied to the wife’s’ policy. In such cases the wife only has to wait for 3 months before she can access benefits under her policy.
3. 12 months initial waiting periodshall be appliedto optical costs (lenses, glasses frames and other associated costs) and 3 year waiting period shall apply thereafter.
4. 6 months waiting period shall apply for dental care.
5. 12 months waiting period shall apply for all foreign specialist care.
6. The Starter product covers in-patient costs only. However, policy holders under this plan will be allowed access to network doctors (GPs).
7. The maximum of 12 visits per annum shall be allowable for specialist consultants for all policies.
8. Pre-existing conditions: policyholders shall not denied cover because of pre-existing medical conditions. However, a period shall be imposed on all the pre-existing medical conditions.

Terms and Conditions for Students Level

1. The period of  cover will end upon the occurrence of either one of thefollowing events:
   1. At the end of the academic year
   2. Upon termination of the studies by either the studentor the university
   3. Termination of contract of cover between the university and Ultra-Med Health Care, whichever is to occur first.
2. Start date is effective at the first day of the semester and runs until the last day of the 6 months after inception
3. Declaration of Medical History–students will be required to declare the medical history. Such information will not be used to deny the student cover, but will help the Fund to make arrangements for suitable health and care facilities forthe student.

Exclusions

Ultra-Med will not cover the following:

1. Injuries/sickness/ disability arising from attempted suicide
2. Sickness arising from drug addiction
   and abuse of addictive substances
3. Sickness/disability from participation in illegal activities
4. Policyholders that fail to disclose material information or misrepresent information
5. Fraudulent claims.