This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Luma
This is Luma's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Luma — Global Care brochure (edition undated) — showing every published column.
From the insurer's published documents
| Benefits | |||
|---|---|---|---|
| INPATIENT BENEFITS | |||
| Benefit | Premier Plan | Pro 1 Plan | Pro 2 Plan |
| Overall Annual Limit per person | $100,000 | $300,000 | $500,000 |
| Standard private room | Paid in full | Paid in full | Paid in full |
| Parent accommodation with an insured child under 18 | $20 per day (30 days max) | $30 per day (30 days max) | $30 per day (30 days max) |
| Day care treatment | Paid in full | Paid in full | Paid in full |
| Nursing Care | Paid in full | Paid in full | Paid in full |
| Operating room, medicine & surgical dressing | Paid in full | Paid in full | Paid in full |
| Prescription drugs and materials | Paid in full | Paid in full | Paid in full |
| MRI, PET & CT-PET Scans | Paid in full | Paid in full | Paid in full |
| Intensive care, coronary care, dependency unit | Paid in full | Paid in full | Paid in full |
| Surgical fees including anesthesia | Paid in full | Paid in full | Paid in full |
| Reconstructive surgery following accident/eligible medical condition | Paid in full | Paid in full | Paid in full |
| Specialist's consulations fees | Paid in full | Paid in full | Paid in full |
| Diagnostic Test - Pathology Xrays | Paid in full | Paid in full | Paid in full |
| Organ and bone marrow transplant services | Paid in full | Paid in full | Paid in full |
| Prosthetic implants & appliances | Paid in full | Paid in full | Paid in full |
| Rehabilitation | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition | Paid in full for 30 days per medical condition |
| Emergency dental treatment following an accident | Paid in full | Paid in full | Paid in full |
| Local road ambulance service | Paid in full | Paid in full | Paid in full |
| Pre-operative consultation & diagnostic procedure | Up to $500 per year (within 30 days from the admission & post hospitalization) | Up to $500 per year (within 30 days from the admission & post hospitalization) | Up to $500 per year (within 30 days from the admission & post hospitalization) |
| Cancer treatment (in & out patient) | Paid in full | Paid in full | Paid in full |
| IEMA - International Emergency Medical Assistance | Paid in full | Paid in full | Paid in full |
| Complications of pregnancy and delivery from natural conception (10 months waiting period) | Paid in full | Paid in full | Paid in full |
| OUTPATIENT BENEFITS | |||
| Benefit | Premier Plan | Pro 1 Plan | Pro 2 Plan |
| Annual limit for out-patient benefits | $2,000 | $3,000 | $5,000 |
| General Practitioner fees | $200 per visit | Paid in full | Paid in full |
| Specialist fees | |||
| Prescribed Medicine | |||
| Minor Surgery | |||
| Lab tests, X-rays, Diagnostic & Pathology tests | |||
| Vaccinations | Up to $30 per year | Up to $50 per year | Up to $100 per year |
| Chiropractic, osteopathy, homeopathy, acupuncture treatment, traditional Chinese medicine | Up to $100 per year | Up to $200 per year | Up to $500 per year |
| Prescribed physiotherapy | Up to $100 per year | Up to $200 per year | Up to $500 per year |
| Prescribed medical aids (hearing aids & orthopedic appliances) | Not covered | Up to $100 per year | Up to $200 per year |
| Routine health checkup including screening for early detection (Full health screen, Mammogram, Papanicolaou (PAP) test, Prostate Cancer Screen) | Not covered | Up to $100 per year | Up to $200 per year |
| Out-patient psychiatric treatment | Up to $200 per year | Up to $500 per year | Up to $1,000 per year |
| Optional Add-Ons | |||
| DENTAL BENEFITS | |||
| Benefit | Premier Plan | Pro 1 Plan | Pro 2 Plan |
| Routine dental treatment (check up, basic treatments) | Up to $200 per year | Up to $300 per year | Up to $500 per year |
| Major restorative dental treatment including orthodontic, prostheses brigdes, implants (9 months waiting period) | |||
| Orthodontic for children less than 18 (24 months waiting period) | |||
| VISION BENEFITS | |||
| Benefit | Premier Plan | Pro 1 Plan | Pro 2 Plan |
| Vision Care including glasses, frames, contact lenses, laser treatment (9 months waiting period) | Up to $100 per year | Up to $200 per year | Up to $300 per year |
| MATERNITY BENEFITS | |||
| Benefit | Premier Plan | Pro 1 Plan | Pro 2 Plan |
| Normal pregnancy and delivery costs (10 months waiting period) | Up to $2,000 | Up to $3,000 | Up to $5,000 |
| New born care within 25 days after birth (10 months waiting period) | |||