澄清保障细节和附加条款

Thanks for explaining the basic policies, Alice. I'm particularly interested in the 'Health Shield' plan. Could you clarify the exact coverage limits for major surgeries?

Certainly, Emma. For the 'Health Shield' plan, the maximum payout for major surgeries is capped at $500,000 per policy year. This amount covers surgical fees, anesthesia, and hospital care related to the surgery.

That's good to know. And what about specific pre-existing conditions like diabetes or high blood pressure? Are they covered after a certain period, or are they outright excluded?

For pre-existing conditions, there's typically a waiting period of 24 months from the policy's inception. After this period, conditions like diabetes or hypertension might be covered, provided they've been declared at the time of application and approved by our underwriters. Otherwise, they are generally excluded.

Okay, that clarifies it. And speaking of waiting periods, what's the standard waiting period for general illnesses before I can claim on the policy?

For general illnesses not related to pre-existing conditions, the standard waiting period is 30 days from the policy start date. For specific conditions like certain critical illnesses, it can be up to 90 days, but that's usually specified in the policy document.

Understood. Finally, I'm interested in customizing the policy. Are there any popular riders or add-ons that would enhance the coverage, especially for outpatient specialist visits or international medical emergencies?

Absolutely, Emma. A common add-on is the 'Outpatient Benefit Rider,' which covers specialist consultations and diagnostic tests. For international coverage, we have the 'Global Emergency Medical Evacuation Rider' that provides transport and treatment if you face a medical emergency overseas. We can certainly explore those options in more detail.