Plan Description
MediCard Select is a comprehensive HMO program designed for employees of SMEs and corporations,
providing access to MediCard’s extensive network of accredited hospitals, clinics, and doctors.
It bundles inpatient, outpatient, emergency, preventive, and dental services in a single program.
Key Benefits
- Inpatient care – coverage for room and board, physicians’ fees, and medically necessary confinement services (subject to plan limits).
- Emergency care – emergency treatment for covered illnesses and injuries in accredited facilities.
- Outpatient services – consultations in accredited clinics and hospitals; access to MediCard-owned clinics where applicable.
- Preventive healthcare – annual physical examination and selected preventive tests as may be included in the program.
- Dental care – basic dental services through accredited dentists, depending on the final package design.
- Nationwide network – access to MediCard’s network of doctors and hospitals nationwide.
Final inclusions, limits, and premiums for MediCard Select will depend on the actual
corporate proposal and employee census.
Typical Corporate Coverage Inclusions
- Coverage for medically necessary treatments due to illness or injury, subject to plan limits and schedules.
- Use of accredited hospitals, clinics, and physicians within MediCard’s network.
- Access to emergency services in accredited facilities, subject to emergency definitions in the policy.
- Optional riders or enhanced coverage (e.g., higher room types, additional outpatient benefits) depending on company budget.
General Conditions
- Employees must be enrolled by the company under an agreed corporate contract.
- Waiting periods may apply for certain conditions, procedures, or benefit categories.
- Coverage is subject to annual benefit limits, per illness limits, and room & board limits as specified in the proposal.
Exact coverage details are based on the official MediCard Select corporate proposal for your company.
General Exclusions (Summary)
The following items are typically not covered under corporate HMO programs.
Please refer to the official MediCard policy for the complete list:
- Conditions and procedures that are not medically necessary or are purely for convenience or aesthetics.
- Self-inflicted injuries, substance abuse, and injuries related to gross negligence or misconduct.
- Experimental or investigational treatments not recognized as standard of care.
- Services obtained from non-accredited providers, unless explicitly allowed by the plan.
- Occupational injuries or illnesses covered by workers’ compensation or similar laws.
- Other exclusions as specified in MediCard’s corporate HMO contract and policy guidelines.
For an exact list of exclusions, your HR or benefits administrator may request the detailed MediCard Select
brochure or policy schedule from MediCard.