Medivac

Limitation:  VT3,500,000 per disablilty

Overseas medical evacuation where the medical practitioner chosen by VanCare certifies the need for a treatment, which is not available locally. VanCare will evacuate the patient to a preferred hospital in Fiji/India. VanCare will make all necessary arrangement including airfare, accommodation and meals. If an accompanying relative or medical attendant is necessary and approved by VanCare, we will also pay for the expenses.

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In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Local Hospitalisation

Limitation: VT750,000 per disablilty

Medical treatment expenses incurred as a bed patient in any Private Hospital/Government operated hospital in Vanuatu. If treatment is not available in any Private Hospital/Government Hospitals in Vanuatu, VanCare requires a letter of confirmation from the Ministry of Health to confirm that treatment recommended is not available and patient will be referred to as Medivac to Fiji/India.

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In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Daycare treatment

Treatment at any private clinic in Vanuatu or through Government hospital.

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In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Outpatient Reimbursement - 80% Reimb

Limitation: VT37,500 per person per annum

This plan will cover you for consultation with your doctor and prescription to the pharmacy.

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Who's covered?

• Policy holder and the legal spouse of the Insured, other than a legally separated spouse.
• An Insured’s unmarried or legally adopted child whose age ranges between fourteen (14) days and under nineteen (19) years and who is totally dependent on the Insured for support.
• An Insured’s unmarried child or legally adopted child over the age of nineteen (19) years and under the age of twenty two (22) years if attending full time college or university and who is totally dependent on the Applicant for support.

Terms & Conditions

• Maximum age limit is 65 years.
• Pre-existing conditions not covered.
• Maximum age of entry is 50 years and we cover till 65 years for all level of cover Silver, Silver and Gold.
• Full medical examination is required by prospects 45 years old or more.
• Pre-Existing and related conditions are not covered
• All other exclusions of the policy applies and can be found on our medical quotes.

Major Exclusions Under Hospitalisation Plan

• All Congenital conditions.
• Palliative Treatment.
• All conditions related to HIV.
• All conditions related to Sexually Transmitted Diseases.
• Any sickness or illness which occurs while traveling outside the Geographical Limits of Vanuatu.
• Pre-existing condition not covered.

Major Exclusions Under Outpatient Plan

• Confirmed long-term disorders such as Asthma, Hypertension or Diabetes, vitamins and dietary supplements.
• Over the Counter Drugs.