Concept: To cover the reasonable necessary medical expenses that the insured had paid or to be paid as medical expenses to medicate for the sickness manifested during the policy period whilst the insured is on his normal declared working profession in the declared agreed territory.
Coverage: The coverage under this type of insurance is optional either on selected pre-arranged plan or can be tailor made to satisfy the insured employer’s requirements in respect of limits and category of providers.
Sums Insured: this can be stipulated on per case between the underwriters and the client according to which the degree of risk is calculated to determine the insurance premium | 
Insurance
