Life is meant to have its’ ups and downs, but having someone to be your strength can make the journey more comforting. When you choose the Industry’s Best Personal Health Insurance Cover from Fairfirst, you give your loved ones the power to face any health contingency, with true peace of mind.
Easing your burden is only the first step. We go the extra mile,just how you would, for your family.
With six comprehensive plans ranging from Rs.100,000 to Rs. 1 Million, we have made it easier to make your well-being a priority, with added benefits and true peace of mind.
If any or more of the following events take place, we are not liable to pay expenses that arises directly or indirectly.
Pre-existing conditions.
Any treatment not performed by a Physician/Surgeon, registered with the Medical Council of Sri Lanka or any treatment performed purely on an experimental nature.
Hospitalisation due to illness/surgery within the first 30 days from the date of cover.
Self-afflicted injuries or conditions (including attempted suicide) and/or conditions/ailments arising out of the use or misuse of any drugs or alcohol.
Medical expenses relating to any hospitalisation primarily for diagnostic, x-ray or laboratory examinations.
Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping and mountaineering or any criminal or illegal activities.
Hospitalisation/Surgery for correction of birth defects or congenital anomalies.
Non-allopathic methods of surgery and treatment.
There should be an active line of treatment taken place during the hospital stay. Investigatory purpose admissions are not allowed.
Treatment of mental disease/illness, stress, psychiatric or psychological disorders, sleep, snoring disorders, sleep studies.
Eye laser treatment.
Six (06) months waiting period for below classified surgeries.
The waiting period for specified diseases/ailments/conditions: from the time of inception of the policy will not cover the following conditions for a duration of six months. After six months, any claim shall be payable after six months, provided the policy has been continuously renewed with the company without any break.
i. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
ii. Benign ear, nose including DNS, throat disorders.
iii. Benign prostate hypertrophy
iv. Cataract & age-related eye ailment
v. Gastritis/ duodenal ulcer
vi. Hernia of all types
vii. Hydrocele
viii. Hysterectomy, prolapsed uterus, dysfunctional uterine bleeding / dilatation and curettage
ix. Polycystic ovarian diseases
x. Piles /hemorrhoids’ fissure and fistula in anus
xi. Pilonidal sinus, sinusitis and related disorders
xii. Prolapsed inter vertebral disc unless arising from accident stone in gall bladder & bile duct.
xiii. Stones in urinary systems / dialysis for renal failure
xiv. Varicose veins and varicose ulcers
xv. Age related osteoarthritis & osteoporosis
xvi. Joint replacements due to degenerative conditions
xvii. Joint replacements due to degenerative conditions
Motor
Travel
Home Insurance
Pet
Health
Personal Accident
Corporate
Bicycle
Branch Network
