A healthy family is the most important social unit of a society contributing to the nation’s well-being. To strengthen family values and honoring their contribution to the prosperity of Mauritius, BAI is proud to introduce All-in-One Family Policy, a comprehensive health policy exclusively for members of a family.
 
 

A group of persons living under one roof united by ties of marriage, blood or adoption, constituting a single household and under one head. It includes husband and wife and children up to 18 years, but may include children up to 23 years if dependant and pursuing full-time education and/or unemployed.


Benefits:
- Both in-patient and out-patient treatment
- Surgical
- Medical
- Optical
- Dental and Hearing
- Free health check up after 4 claim-free years
- If in-patient treatment exceeds 10 days, the overall limit automatically increases by MUR 5,000 
 
 

Policy Features: 
- Every Plan has an overall benefit limit per year per family.
- There is one sum insured limit for the entire family, floating on all members.
- Four basic benefit levels ranging from MUR 50,000 to MUR 200,000 per family.
- Out-patient medical, optical, dental and hearing benefits have sub-limits included within the overall limit per family.
- For every claim-free year on the Policy, there will be an increase of 5% on the overall limit at the time of renewal.
- Such increase of benefit limit will be on a cumulative basis up to 50%.

- However, once a claim is made, original limit will be restored at the following renewal.
- Limits under optical benefit are for two years.
- All treatments, both in-patient and out-patient should be conducted at Apollo Bramwell Hospital.
- For emergency cases, ambulance service from Apollo Bramwell Hospital is free.

- Still one can take life saving treatment at a medical facility nearer home or place of work or near spot of accident as the case may be before proceeding to Apollo Bramwell Hospital.
- All services under this Policy will be from Apollo Bramwell Hospital and the Insured Person will only have to pay the excess for any covered treatment as the case may be. 

Age entry limit:  0-60 years

 
 

Waiting periods: 

Situtation	Waiting Period
Accidents	No waiting period
All benefits for illness	60 days
Optical, dental and hearing benefits	6 months
Maternity benefits	10 months
Infertility benefits	24 months
Certain conditions like Arthritis, cataract, hernia, and hydrocele	24 months
Pre-existing diseases	48 months

   
Exclusions:
Mental illness, occupational diseases, congenital defects at birth, epilepsy, hair loss treatments, dangerous sports activities, sexual dysfunction, transsexual surgery, therapies for weight reduction etc.  

How do I apply?
Simply contact your BAI sales representative or call us toll free on 800 1000.

You can visit any of our branches across the island.