Deductible
out-of-pocket first amountThe amount you pay first before eligible cover starts paying under the plan terms.
Insurance terms
in plain language
Common terms explained briefly before you go back to the actual policy wording.
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Ask Sao →Waiting period
waiting timeA period after cover starts when some benefits may not yet be available. Check the actual policy wording.
Rider
additional benefitExtra cover attached to a main policy. It does not mean everyone needs every rider.
Copayment
co-payA share of eligible costs that the insured person may need to pay under specified conditions.
Room limit
hospital room allowanceThe room limit is only one part of a hospital bill, not the total cost of admission.
Critical illness
CICover that often pays a lump sum when a defined illness meets the contract conditions, rather than reimbursing hospital bills directly.
Exclusion
not coveredA situation or condition that the contract says is outside coverage.
Pre-existing condition
existing conditionA condition present before coverage starts that may affect underwriting or contract terms.
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