This rider can be attached to the Group Hospital and Surgical (GHS) plan. This rider covers large claim amounts that would otherwise be limited by the GHS plan. The plan type selected for this rider must be the same plan type as the GHS plan.

Benefit Schedule Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
  Maximum limit per disability
Eligible medical expenses payable for:
  • hospitalisation of more than 20 days; or
  • surgical expenses of at least 75% of the benefit payable under the surgical table.
$100,000 $100,000 $80,000 $60,000 $40,000
Type of Hospital Private Restructured Private Private Restructured
Room and Board (Standard) – Payable from 121 days onwards 1 Bed 1 Bed 2 Bed 4 Bed 4 Bed
Intensive Care Unit (ICU)
High Dependency Ward (HDW)
Coronary Care Unit (CCU)
Payable in excess of the GHS plan up to the maximum limit shown above
Other Hospital Services
Surgical Expenses
Daily In-Hospital Physician’s Consultation Pays from 121 days onwards
Surgical Implants $5,000 $5,000 $3,000 $2,000 $2,000
Co-payment 10% 10% 10% 10% 10%