DESCRIPTION OF BENEFITS
The rider provides the following benefits when the insured is hospitalised:

1. Hospital Room and Board - Reimburses charges up to 120 days during any one period of confinement to a licensed hospital.

2. Intensive Care Unit - Reimburses room and board charges up to 60 days during any one period of confinement in ICU.

3. Surgical Fees - Reimburses fees for a surgery by the Specialists, including pre- surgical assessment Specialist’s visits to the Insured Person and post- surgery care up to a maximum of 60 days from date of surgery.

4. Hospital Miscellaneous Expenses - Reimburses fees including the use of operating theatre, anaesthetic fees, x- ray, drugs, medication dressing, splints and plaster, lab tests, ambulance fees and all other services customarily rendered during confinement in hospital.
   
   
5. Pre- Hospitalisation Treatment - Reimburses fees for treatment incurred within 30 days prior to hospitalisation.
   
   
6. Post- Hospitalisation Treatment - Reimburses fees for follow- up treatment incurred within 60 days following discharge from hospital.
   
   
7. Daily Cash Allowance for Government Hospitals - Pays a daily allowance for each day of confinement for a covered Disability in a Malaysian Government Hospital.
   
   
8. Emergency Accidental Out- patient Treatment - Reimburses for out- patient charges in a hospital/ clinic in respect of treatment for accidental injuries within 24 hours following an accident.
   
   
9. Out- patient Cancer Treatment - Reimburses for out- patient cancer treatment performed at a legally registered cancer treatment centre.
   
   
10. Out- patient Kidney Dialysis Treatment - Reimburses for out- patient kidney dialysis treatment performed at a legally registered dialysis centre.
    
    
11. Day Surgery - Reimburses fees for minor surgery in respect of non- accidental related condition, which does not require hospitalization.