ARCIS Optima - Table of Benefits

Benefits
Annual Policy Limits (US$)
Overall Policy Limit Per Annum $1,000,000
Lifetime Limit Per Member $2,500,000
Limit per newborn child $50,000
Emergency Medical Treatment Limit when traveling outside the specified geographical area of cover $60,000
No-Claims Rebate $350 to $800
Deductible Nil
Comprehensive Major Medical & Dental Benefits

Inpatient Hospitalization, including: Emergency Room & Trauma Ward Treatment, Daycare Treatment, Hospital Room & Board, Nursing Care, Operating Theater Fees, Intensive Care, Diagnostic Procedures, Surgeons & Anesthetists Fees, Prescribed Drugs & Dressings, Physician's & Specialist's Fees, Radiology, Pathology, Physiotherapy, and Ancillary Charges, Parental Accommodation in the same room when an insured child is hospitalized. Home Nursing Care following hospitalization

Outpatient Medical Treatment, including:
Physician's & Specialist's Office Visits, Prescribed Drugs & Dressings, Diagnostic Procedures, Outpatient Surgery, Pathology, Radiology, Oncology, Chemotherapy & Physiotherapy.

Local Ambulance Services

Emergency Medical Evacuation and Repatriation

Major Dental Injury following an Accident

 Full Refund
Complementary Medicine
Acupuncture, Chiropractic, Homeopathy, and Osteopathy 		$500
Organ Transplant
Heart, Liver, Kidney 		$100,000
Routine Dental
Minor injuries, including Teeth broken while eating, Fillings, and Root Canal Treatment. Subject to insured person undergoing a self-paid initial and annual check-up. 		$800
Compassionate Return Home Travel
Roundtrip Economy-class Air Fare between Country of Residence and Home Country, necessitated by Sudden, Unexpected Critical Injury, Critical Illness, or Death of an Immediate Family Member under age 70 in insured's home country. Limit of one trip per policy year 		Fully Refund
Personal Accident
  
Cash paid in event of the insured person's accidental death or serious permanent injury  
Age 0 - 18 $10,000
Age 19 and above $25,000
Repatriation of Mortal Remains or Local Burial
 $10,000

Overseas Travel Benefits

 90 days per annum
A) Luggage & Personal Effects $3,500
Sub-limit per item, per pair or set of items $1,000
B) Delayed Luggage of 12 hours or more $200
C) Missed Connection and Travel Delay of 12 hours or more $300
D) Trip Curtailment due to Physical Injury or Illness $3,000
E) Loss of Prepaid Deposits $3,000

Important Notes

  • All amounts shown are in US dollars and apply per insured person per year of insurance unless otherwise stated.
  • This table is a summary of the principal benefits available. Full details of the cover, terms, conditions and exclusions can be found in the policy wording, which is available on request.
  • This policy is underwritten by LAMP Insurance Company Limited, 260/262 Main Street, Gibraltar. LAMP Insurance Company Limited is licensed by the Chief Executive of the Financial Services Commission of Gibraltar under the Insurance Companies Ordinance.