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Combine Corporate

When you lead the way,you make sure that your employees are cared for.

Combined Corporate Cover from Fairfirst, can help you deliver a promise of protection. As you strive hard to build your small and medium scale enterprise, we appreciate your sensible and responsible decision to uplift the well-being of your employees and their families.

Happy and healthy employees are your greatest strength and their dedication makes up the foundation of your growth chapter.


We are here to prioritize your employees’ well-being, while you focus on unlocking the potential of your growing business. Choose from a wide range of comprehensive plans ranging from Rs.100,000 to Rs.500,000.

Plan 1(Rs.) Plan 2(Rs.) Plan 3(Rs.) Plan 4(Rs.) Plan 5(Rs.)
A)Hospitalisation Benefit
A.1. Annual/event limit 100,000 200,000 300,000 400,000 500,000
A.2. Room charges 10,000 12,500 14,500 16,500 18,500
A.3. Hospital & nursing home maintenance charges including admission fees 10,000 20,000 30,000 40,000 50,000
A.4. Hospital or nursing home maintenance, medical and operational expenses for special treatment and nursing provided on the recommendation of a consulting specialist and for the use of the operating theatre 20,000 40,000 60,000 80,000 100,000
A.5. Specialist services including deep therapy treatment, x-rays, radiological and radium examination and treatment, electrical treatment and physiotherapy 40,000 80,000 120,000 160,000 200,000
A.6. Surgeon’s & anesthetist’s fees, consultant’s and specialist’s fees 30,000 60,000 90,000 120,000 150,000
A.7. Expenses incurred on drugs purchased & tests, scans and x-rays etc. undergone whilst being in a non-paying ward (treatment is not available in a government hospital and payable under indoor limit) 60,000 120,000 180,000 240,000 300,000
A.8. Hospitalisation in a non-paying ward of a government hospital for the first 30 days (per day)- payable under indoor limit 2,000 3,000 4,000 5,000 6,000
A.9. Recovery period following an accident – after discharge from a non-paying ward of a government hospital whilst the insured person stays at home bedridden up to 14 days 1,000 1,500 2,000 2,500 3,000
A.10. Expenses incurred for travel within Sri Lanka to obtain emergency treatment (ambulance charges only) 7,500 7,500 10,000 10,000 10,000
B)Out-Patient Benefit
B.1. Specialist consultation fees, medical expenses incurred therein and routine medical expenses including consultation fees, purchase of drugs and laboratory tests including eye treatment 10,000 15,000 20,000 25,000 30,000
B.1.1. Spectacle within OPD – once in two years(employee only) 7,500 10,500 12,500 15,000 20,000
b.1.2. Dental treatment (filling and extraction only)-within OPD 5,000 7,500 10,000 12,500 15,000
C.1. Irrespective of the hospital or intermediary treatment centre, claims will be settled on reimbursement basis – per member 5,000 5,000 7,500 7,500 10,000
D)Day Surgeries
D.1. For surgeries performed less than 12 hours, claims will be settled on reimbursement basis 70,000 70,000 70,000 70,000 70,000
E)Cataract Surgery
E.1. Lenses limited for both eyes per annum 50,000 50,000 50,000 50,000 50,000
F)Maternity Benefits
F.1. Caesarean, forceps and vacuum delivery 75,000 150,000 225,000 250,000 300,000
F.2. Vaginal delivery 85,000 162,500 240,000 267,500 320,000
(Subject to 12 months waiting period. Valid only for family units)
G) Ayurvedic Treatments
G.1.Inpatient treatment in a registered government or private ayurvedic hospital 65,000 130,000 195,000 260,000 325,000
(Outpatient treatment prescribed by a registered ayurvedic practitioner will be covered under OPD)
Benefits that help you care for them, even more

Some of the areas we do not cover

If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.

Circumcision and vaginal membrane repairs.

General debility, treatment, or surgery for change of life/gender, hormone replacement therapy other than thyroxin and insulin.

Cosmetic or aesthetic treatment of any description, lasik treatment for refractive error. Any form of plastic surgery (unless necessary for the treatment of accidental bodily injury), surgery to correct deviated septum and hypertrophied turbinate unless necessitated by an accidental bodily injury.

Hearing aids, crutches, wheelchairs,artificial limbs, dentures, artificial teeth and all other external appliances, prosthesis and/or devices, medical equipment of any kind used at home as post hospitalisation care including cardiac pacemakers and studies or costs of donor screening or treatment.

Expenses incurred on items for personal comfort like television, telephone, etc. incurred during hospitalisation and which have been specifically charged for in the hospitalisation bills issued by the hospital/nursing home

Epilepsy, tension type headaches,psychiatric mental or neuroses disorders, psychological ailment/conditions, and sleep/snoring disorders.

Congenital internal and/or external illness/disease/defect. Genetic disorders and stem cell implantation/surgery storage

Non-allopathic therapies, neurotherapy, acupuncture, aromatherapy, treatment in health hydro, spas, nature care clinics.

Ailments or complications due to suicide attempts, self-inflected injuries, use or abuse of any substance, drug or alcohol and treatment for de-addiction.

Treatments taken at any institution which is primarily a rest home or convalescent facility, a place for custodial care, a facility for the aged or alcoholic or drug addicts even if the institution has been registered as a hospital or nursing home.

Miscarriages and pregnancy related ailments.

Staying in a hospital without undertaking any treatment or where there is no active regular treatment by the medical practitioner, which ordinarily can be provided without hospitalisation.

Any fertility, subfertility treatment or assisted conception operation or sterilisation procedure, birth control related treatment, treatment for sexual dysfunction and voluntary termination of pregnancy.


  • If your company has between 10-35 employees, you are eligible to benefit from our
    Combined Corporate Cover.
  • Age groups:
    – Adults from 18 to 70 years
    – Children from birth to 18 years
  • Claims arising at the following hospitals are excluded under this policy
    – Asiri Group of Hospitals
    – Ceylon Hospitals (Durdans)
    – Hemas Group of Hospitals
    – Kings Hospital (Colombo)
    – Lanka Hospitals (Colombo)
    – Leesons Hospital
    – Browns Hospitals
    – Nawaloka Group of Hospitals
    – Kurunegala Central Hospital
    – Kurunegala Co-operative Hospital
    – Ninewells Care Mother & Baby Hospital
    – Kandy Nursing Home Pvt Ltd.
    – Kandy Private Hospital Pvt Ltd.
    – Lakeside Adventist Hospital.

    *Please note that inquiries received after office hours (8:30 to 5:00), on weekends and on mercantile holidays will be followed up on the next working day.