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Fairfirst Worldwide Healthcare is the ultimate health insurance plan for you. The policy protects you from a range of health-related issues and unforeseen circumstances regardless of where you are. We provide cashless bill settlements in foreign currencies for your healthcare expenses at any overseas medical facility while assisting you through our international network of partners.
Fairfirst Worldwide Healthcare insurance is the only healthcare cover you’ll ever need.
Helps you to get adequate healthcare locally and internationally.
Cashless bill settlements in any foreign currency.
Assistance from an international network of partners.
You can choose where to receive treatments from, locally or globally. The policy covers OPD charges, maternity-related expenses, health screening expenses and so much more.
The policy is customisable and extendable to family members.
Four comprehensive plans to choose from based on geographical zones worldwide.
Freedom to decide on policy options - whom to cover under your policy, coverage limit, choice of treatment facility etc.
Our process is paperless and hassle-free, bill settlements are cashless, and we provide round-the-clock assistance wherever you are.
This is why our empathy-based health insurance solutions are trusted By over 1 million Sri Lankans who seek nothing but the best when it comes to their health and well-being. Our Awards bear testimony to the strength we hold, and the world-class service standards we intend on delivering to you!
The 9th Edition of The Global Brands Magazine Awards
Global Banking & Finance Review Awards
Banking, Financial Services & Insurance Excellence And Leadership Awards
IASL - FINTELEKT Insurance Industry Awards
Indian Chamber of Commerce - 3rd Emerging Asia Awards
Insurance Asia Awards
20th Edition of SLIM Brand Excellence Awards
Fairfirst Worldwide Healthcare is a comprehensive insurance policy designed to help you get the right and adequate healthcare both locally and globally.
This cover highly suits your exact health insurance requirement in terms of coverage (i.e. individual or family cover), coverage limits and benefits.
Most importantly, Fairfirst Worldwide Healthcare will save you the hassle of finding local or foreign currency to pay for hospital bills by offering a worldwide cashless bill settlement facility.
In addition, this cover is also designed to exclusively provide you round the clock assistance from our international network of partners to ensure peace of mind when you need it the most.
But we understand that you may have certain questions before you sign on the dotted lines. So, let us try our best to predict and answer your questions.
Yes, be it locally or globally, we will pave the way for you to receive the treatment you deserve from anywhere in the world.
Yes, we offer an in-built comprehensive maternity cover (including complications of pregnancy).
Yes, by opting for the optional OPD, Dental & Vision cover, you could certainly enhance the comprehensiveness of your health insurance policy.
Worry no more! Our health insurance experts will settle all your bills directly to the hospital, anywhere in the world. So be it in Dollars, Rupees or any foreign currency, we will ensure that all your treatments/hospital expenses are settled on a cashless basis.
We understand that your health insurance needs are unique to your lifestyle. That’s why we have given you the freedom to decide on your own health coverage, in terms of who you want covered under your policy (i.e. individual or family cover), coverage limit, choice of destination for treatments and a wide range of optional health benefits.
We offer you Concierge Assistance anywhere in the world!
The logistics of being overseas can sometimes be hectic, that's why we’ve got you covered through our extensive international network of partners. We liaise with the relevant health service provider you have selected overseas and settle the claim directly. In addition, we provide the option of settling your optical bills in a cashless manner, and if you’re currently in Sri Lanka, you have the ease of settling your claims with Fairfirst itself.
Our Concierge Personal Service is also at your disposal, taking care of you throughout your hospital stay.
If you voluntarily decide to absorb a certain portion from your claim amount, the following premium discounts will be applied to your premium payment.
|Deductible USD from the claim||Discount on premium|
If your family consists of three or more members, we are happy to offer a 5% premium discount that will be applicable for all members covered under the policy.
With 4 comprehensive plans to choose from, and benefits spanning across all geographical locations, we keep you covered through any twists and turns life may take on you. That’s the privilege we offer you.
|BENEFITS||DELUXE (USD)||LAVISH (USD)||PLUSH (USD)||ROYAL (USD)|
|Geographical Zone I||Sri Lanka, India, Thailand, Malaysia||Asia||Worldwide excluding USA & Canada||Worldwide excluding USA & Canada|
|Geographical Zone II||Asia||Worldwide excluding USA & Canada||Worldwide||Worldwide|
|Annual Maximum Benefit||$500,000||$800,000||$1,000,000||$1,500,000|
|A) In-patient and Day Care|
|A.1. Daily accommodation charges||Private standard single room||Private standard single room||Private standard single room||Private standard single room|
|A.2. Hospital charges for in-hospital surgery, day surgery, treatment facilities and services
1) Diagnostic procedures
|In full||In full||In full||In full|
|A.3. Surgical implants/appliances
Surgical implants and internal prosthesis required for the surgical procedure
|In full||In full||In full||In full|
|A.4. In-patient psychiatric treatment (after 10 months of coverage)||$750||$1,000||$1,150||$1,150|
|A.5. Parent accommodation in-hospital Hospital accommodation for accompanying parent (for insured child below age 18)||In full||In full||In full||In full|
|A.6. Daily cash benefit – limits per day (up to 30 days)
Payable for eligible in-patient treatment only when the member receives treatment within area of cover and provided no cost for that treatment is claimed under this plan
|A.7. Organ transplant (kidneys, heart, liver, lung or bone marrow)
Transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) have come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation
|$150,000||$200,000||In full||In full|
|A.8. Pre-hospitalisation||60 days||60 days||60 days||60 days|
|A.9. Post-hospitalisation||90 days||90 days||90 days||90 days|
|A.10. Advanced imaging (MRI, CT and pet scans)||$750||$1,000||$1,500||$2,000|
|A.11. Emergency treatment outside area of cover||$300,000||$300,000||$300,000||$300,000|
|B) Emergency/Accidental Out-patient|
|B.1. Accidental damage to natural teeth (provided treatment was sought 7 days from date of accident)||In full||In full||In full||In full|
|B.2. Emergency out-patient treatment due to accident||In full||In full||In full||In full|
|C.1. Cancer treatment (in-patient and out-patient)||In full||In full||In full||In full|
|C.2. Kidney dialysis (in-patient & out-patient)||In full||In full||In full||In full|
|C.3. Local road ambulance services||In full||In full||In full||In full|
|C.4. Home nursing care following discharge from hospital (up to max 24 weeks per policy year)||Nil||Nil||In full||In full|
|C.5. Communicable diseases (including COVID-19)||In full||In full||In full||In full|
|D) Emergency Medical Evacuation and Repatriation|
|D.1. Medical evacuation and repatriation||In full||In full||In full||In full|
|D.2. Repatriation of mortal remains||In full||In full||In full||In full|
|D.3. Compassionate travel, subject to approval||In full||In full||In full||In full|
|D.4. Cost of economy air tickets for insured patient||$500||$750||$1,000||$2,000|
|E) Maternity Benefits – 12 months waiting period|
|E.1. Maximum limit||$750||$1,000||$1,500||$2,500|
|E.2. Pregnancy and childbirth – cost of normal delivery and medical recommended caesarean/forceps delivery||Covered||Covered||Covered||Covered|
|E.3. Pre and post-natal complications – complications of maternity||Covered||Covered||Covered||Covered|
|E.4. New-born cover (non-routine care for 30 days after birth)||Covered||Covered||Covered||Covered|
|F) Out-patient Benefits – Optional|
|F.1. Prescribed drugs & dressings||$1,000||$1,500||$2,500||$2,500|
|F.2. Specialist consultations|
|G) Dental and Vision – Optional|
|G.1. Dental (180 days waiting period)||–||$500||$750||$1,000|
|G.2. Vision (90 days waiting period)||–||$500||$750||$1,000|
The Company requires pre-authorization of planned treatment to protect the insured person from unexpected costs. When issuing a confirmation of cover in this way, the company confirms that the planned treatment:
The Company requires pre-authorization for the following treatment and services before the insured person’s treatment begins:
A request for pre-authorization should be submitted by the policyholder or insured person, at least ten (10) working days prior to the scheduled date of treatment. this is to allow the company to confirm if the treatment is eligible for reimbursement and/or direct billing can be arranged accordingly.
Upon the receipt of such requests, the company will give a verbal or written confirmation to the policyholder or insured person. Where pre-authorization is required and not obtained, the benefits may be declined or reduced.
In the event of an emergency hospital admission, where the insured person’s life or health status is at risk if the insured person is not immediately admitted to the hospital, the policyholder, the insured person’s family member the treating medical practitioner, or the hospital, must contact the company within the next seventy -two (72) hours or before the insured person’s discharge, whichever is earlier, otherwise benefits may be declined or reduced. If the insured person has worldwide cover and seeking treatment in USA.
In relation to the medical claims, the company reserves the right to accept or refuse the request by the policyholder or insured person to use any medical provider outside the network, particularly when the network provider is available in the area where the treatment takes place, exception will be considered for medical emergencies and serious accident.
Please ensure all inpatient and day-care treatments are pre-authorized, and within the network to facilitate any direct billing arrangements, if applicable .in cases, where the company does not have direct billing arrangements in place, the company will offer a pay and claim reimbursement service. The policyholder or the insured person pays to hospital/provider first and then claims the costs from the company. Only costs incurred from eligible medical conditions and treatment will be reimbursed within the limits stated in the table of benefits. If the insured person is required to pay a deposit in advance of any medical treatment, the cost incurred will only be reimbursed after treatment has taken place.
It is the policyholder or insured person’s responsibility to retain any original supporting documentation (E.g.: medical receipts) as the company reserve the right to request original supporting documentation/receipt for claims settlement and auditing purpose.
If the policyholder or the insured person paid for treatment while they were outside Srilanka or received an invoice for covered services in a currency other than the currency the premium was paid in, the company makes a currency conversion to Srilanka rupees (LKR)as published by state bank of Srilanka. The company will use the exchange rate that applies on the date on which the treatment was done or for inpatient, day-care treatment on the insured person’s date of discharge from hospital for that claims.
The company will not be liable for any bank charges, credit charge or losses due to currency fluctuation.
While the policy is valid, all claims together with a completed claim form and supporting information/original documents must be submitted to the company within thirty (30) days.
Where it is not reasonably possible to submit claims within thirty days, the claim may be submitted later with the company’s prior approval but in no case later than ninety days of the date of commencement of the event which gave rise to the claim. the company will not be liable for any claims submitted after this period.
While assessing the submitted claims, the company may request for further documentation and/or requirements, which the policyholder must provide within thirty days of receiving such request.
For claims reimbursement when incurred outside the network of hospitals, the company will.
If the policy coverage has ceased, eligible claims incurred during the policy period of insurance must be submitted within thirty days of the date of expiry or termination of the policy. the company will not be liable for any claims submitted after this period and all claims received will be returned.
Local Hospitalization /Inquiries to fairfirst
For overseas hospitalization/inquiries call paramount healthcare management Pvt ltd(Third Party Service Provider for overseas claims)
Claims Submission methods
Fairfirst Insurance Limited
Access Tower II (14th Floor),
278.4, Union Place,