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What is a sub-limit?

A sub-limit is a cap on how much the insurer will pay for a specific treatment, such as room rent, Surgical Treatment & Anesthetist Services, Diagnostic and Pre-Admission Testing, Pharmacy, Ambulance Services etc. A plan with sub-limit costs less, but if the actual bill is higher than the cap, you pay the difference yourself. A plan without sub-limit gives you the full sum insured for any treatment, with no per-item caps. It costs a little more, but there are no surprises at claim time. Choose with sub-limit to save on premium, or without sub-limit for complete peace of mind.

Pre-Existing Disease (PED) cover

PED stands for Pre-Existing Disease — any medical condition, illness, injury or related symptoms you had, or received treatment and medical advice for, before buying your policy. Common examples include diabetes, high blood pressure, asthma, thyroid issues, or any surgery. PED cover pays for unplanned treatment or emergency room care and operations needed to stabilise you enough to continue your trip or fly back home, for any illness or injury you'd already sought medical treatment for before the policy’s effective date — up to the approved limits, in life-threatening conditions only, and subject to declaration and its approval. You must declare all known conditions when you apply. Hiding a condition can cause the insurer to cancel your policy or reject future claims.