|OAL per beneficiary per annum for Gap and Co-pay cover||R174 000|
|OAL per beneficiary per annum for Exact cover||R100 000|
Medical Procedures We Will Cover
|Arthroscopic Surgery||R85 000|
|Back And Neck Surgery||R85 000|
|Bunion Surgery||R17 500|
|Cochlear Implant, Auditory Brain Implant and Internal Nerve Stimulator Surgery including the Device and Processor||R80 000|
|Dental Procedures for Reconstructive Plastic Surgery due to an Accident||R80 000|
|Functional Nasal Surgery||R25 000|
|Joint Replacement Surgery||R50 000|
|Oesophageal Reflux And Hiatus Hernia Surgery||R60 000|
|Varicose Vein Surgery||R22 500|
|The excesses imposed by your medical scheme payable to a maximum rand limit for specified procedures or tests.
Cover for co-payments imposed by medical schemes for hospital admissions, scans and surgical procedures.
|subject to a sub-limit of R21 000 per policy per annum,
Limited to R7 000 per claim
|Will settle claims up to 300% of the Medical Scheme rate.||Limited to a maximum of 400% or at the stated benefit value.|
Waiting Periods for Exact Cover
|A 12 month waiting period on pre-existing condition-specific disease and/or illness applies to this policy.
In the event that there are no pre-existing conditions related to the stated conditions within this policy.
|A 10 month waiting period applies where no claims can be submitted for a procedure or surgery related to the stated procedures covered by this policy
Unless due to an injury resulting from an accident.
|When a new beneficiary joins the policy,
They are subject to normal underwriting terms and conditions, and waiting perdiods as denoted above will apply.
Policy Specific Waiting Periods Gap and Co-pay Cover
|A 3 month general waiting period is applicable on any new incepted policies and/or additional dependents to the current policy, except in the event of an accident.
In the event that the policyholder has held a Sirago policy for 12 months or more and wants to upgrade to a higher option, all additional benefits will be subject to a maximum of an additional 3 months waiting period.
If the policyholder has held a Sirago policy for less than 12 months and intends to upgrade to a higher option, the waiting periods in the higher option per benefit category is applicable.
|A 10 month waiting period on pre-existing condition specific disease/illness|
Specific Waiting Periods
|A 10 month waiting period for pregnancy and confinement.|
|A 12 month waiting period on cancer related pre-existing conditions is applicable.|