A group of healthcare providers contracted by us for the purpose of providing with free access to their Services on a direct billing in conformity with the terms of this policy.
A facility in which we will pay designated Medical Providers (i.e. our network of hospitals, clinics and pharmacies) the cost of treatment on behalf of our Insured. Clients can use Membership Cards, issued to them by bnl, to obtain treatment from the Designated Providers of healthcare services.
An incident and that can be affirmed in case of an accident, disaster, any sudden beginning or worsening of a severe illness resulting in a medical condition that presents an immediate threat to your health.
Territorial limits within which treatment can be received and are stated in the Schedule of Benefits.
The care of patients whose condition requires admission to a hospital.
Insurance (LTD) protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time agreed upon inception.
Medical care given to an insured woman when she is pregnant and when she gives birth.
Vision tests for errors of refraction and lenses for spectacles.
Medical care or treatment that does not require an overnight stay in a hospital.
In the event of death of any Insured life or disability as a direct or indirect consequence of War or Warlike Operations as an innocent bystander, provided that the Insured Person did not intentionally entered the immediate area of hostilities.