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A Global Cashless Health Cover
Up To USD 1.5 Million
LKR
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Worldwide Healthcare

Worldwide Healthcare

HELLO FROM US AT FAIRFIRST, THE LEADER IN HEALTH INSURANCE!

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.

3 Reasons to Choose Fairfirst Worldwide Healthcare

International Coverage

International Coverage

Helps you to get adequate healthcare locally and internationally.

Foreign Currencies

Foreign Currencies

Cashless bill settlements in any foreign currency.

Global Assistance

Global Assistance

Assistance from an international network of partners.

The benefits of Fairfirst Worldwide Healthcare Insurance Policy

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.

For each year in which you didn’t make claims, you’ll get discounts on your premium.

What's Great about Fairfirst Worldwide Healthcare Insurance?

Comprehensive plans

Four comprehensive plans to choose from based on geographical zones worldwide.

Customisable

Freedom to decide on policy options - whom to cover under your policy, coverage limit, choice of treatment facility etc.

Convenience

Our process is paperless and hassle-free, bill settlements are cashless, and we provide round-the-clock assistance wherever you are.

What's Covered in Our Worldwide Healthcare Policy?

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!

Best General Insurance Brand Sri Lanka

Best General Insurance Brand Sri Lanka

The 9th Edition of The Global Brands Magazine Awards

Best Employee Benefits Provider Sri Lanka

Best Employee Benefits Provider Sri Lanka

Global Banking & Finance Review Awards

Health Insurance Company of The Year

Health Insurance Company of The Year

Banking, Financial Services & Insurance Excellence And Leadership Awards

Excellence In Medical Insurance

Excellence In Medical Insurance

IASL - FINTELEKT Insurance Industry Awards

Company with The Best Health Insurance Coverage of The Year

Company with The Best Health Insurance Coverage of The Year

Indian Chamber of Commerce - 3rd Emerging Asia Awards

Best Domestic General Insurer of The Year Sri Lanka

Best Domestic General Insurer of The Year Sri Lanka

Insurance Asia Awards

Innovative Brand of The Year

Innovative Brand of The Year

20th Edition of SLIM Brand Excellence Awards

Top 100 Brands In The Country

Top 100 Brands In The Country

Brand Finance

What Is Fairfirst Worldwide Healthcare?

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.

You are well on your way to receiving uncompromised treatment by making the most sensible decision that will enable you to uplift your health and well-being.

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.

Can I choose where to receive  treatment from?
Can I choose where to receive treatment from?

Yes, be it locally or globally, we will pave the way for you to receive the treatment you deserve from anywhere in the world.

Does this cover Maternity related expenses?
Does this cover Maternity related expenses?

Yes, we offer an in-built comprehensive maternity cover (including complications of pregnancy).

Can I utilize this policy to cover OPD treatments?
Can I utilize this policy to cover OPD treatments?

Yes, by opting for the optional OPD, Dental & Vision cover, you could certainly enhance the comprehensiveness of your health insurance policy.

What do I do if I can’t find foreign currency to pay for my hospital bill?
What do I do if I can’t find foreign currency to pay for my hospital bill?

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.

Am I covered if I wish to screen for my health as a proactive measure?
Am I covered if I wish to screen for my health as a proactive measure?

Of course, yes. We love that you've taken a proactive approach to your health and well-being. That’s why this cover even includes a Free Special Health Screening Package right after two years from onboarding.

Can I customize this cover?
Can I customize this cover?

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.

What if I must travel to a new country for my treatment?
What if I must travel to a new country for my treatment?

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.

Is there any other way for me to get a discount on my health insurance policy?
Is there any other way for me to get a discount on my health insurance policy?

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 claimDiscount on premium
$50010%
$75012.5%
$100015%
$200020%
$250022.5%

What if I don’t claim during the policy period?
What if I don’t claim during the policy period?

■ If you have not made any claims within the first year, you get a 5% premium discount.

■ If you have not made any claims for two consecutive years, you get a 7.5% premium discount (2.5% in the 2nd year).

■ And if you have not made any claims for three consecutive years, you get a 10% premium discount (2.5% in the 3rd year).

Do I get a special rate if I obtain a family cover?
Do I get a special rate if I obtain a family cover?

If your family consists of three or more members, we are happy to offer a 12.5% premium discount that will be applicable for all members covered under the policy.

For overseas admissions/hospitalisation intimations, you can simply contact our 24×7 Third-Party
Administrator (TPA) – Paramount Healthcare Management Pvt. Ltd. on +91 22 40004219 / 40004203.
Local claims are handled by Fairfirst – 011 2 428 428

A Health Insurance Plan To Suit Your Exact Needs

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.

    *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.

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    The Benefits

    BENEFITSDELUXE (USD)LAVISH (USD)PLUSH (USD)ROYAL (USD)
    Geographical Zone ISri Lanka, India, Thailand, MalaysiaAsiaWorldwide excluding USA & CanadaWorldwide excluding USA & Canada
    Geographical Zone IIAsiaWorldwide excluding USA & CanadaWorldwideWorldwide
    Annual Maximum Benefit$500,000$800,000$1,000,000$1,500,000
    A) In-patient and Day Care
    A.1. Daily accommodation chargesPrivate standard single roomPrivate standard single roomPrivate standard single roomPrivate standard single room
    A.2. Hospital charges for in-hospital surgery, day surgery, treatment facilities and services

    1) Diagnostic procedures
    2) Surgical procedures
    3) Operating theatre charges
    4) Nursing care, prescription drugs and dressings
    5) Physician’s, surgeon’s, and anesthetist’s charges
    6) Intensive care unit charges
    7) Consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it
    In fullIn fullIn fullIn full
    A.3. Surgical implants/appliances

    Surgical implants and internal prosthesis required for the surgical procedure
    In fullIn fullIn fullIn 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 fullIn fullIn fullIn 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
    $100$150$200$300
    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$200,000In fullIn full
    A.8. Pre-hospitalisation60 days60 days60 days60 days
    A.9. Post-hospitalisation90 days90 days90 days90 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 fullIn fullIn fullIn full
    B.2. Emergency out-patient treatment due to accidentIn fullIn fullIn fullIn full
    C) Others
    C.1. Cancer treatment (in-patient and out-patient)In fullIn fullIn fullIn full
    C.2. Kidney dialysis (in-patient & out-patient)In fullIn fullIn fullIn full
    C.3. Local road ambulance servicesIn fullIn fullIn fullIn full
    C.4. Home nursing care following discharge from hospital (up to max 24 weeks per policy year)NilNilIn fullIn full
    C.5. Communicable diseases (including COVID-19)In fullIn fullIn fullIn full
    D) Emergency Medical Evacuation and Repatriation
    D.1. Medical evacuation and repatriationIn fullIn fullIn fullIn full
    D.2. Repatriation of mortal remainsIn fullIn fullIn fullIn full
    D.3. Compassionate travel, subject to approvalIn fullIn fullIn fullIn 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 deliveryCoveredCoveredCoveredCovered
    E.3. Pre and post-natal complications – complications of maternityCoveredCoveredCoveredCovered
    E.4. New-born cover (non-routine care for 30 days after birth)CoveredCoveredCoveredCovered
    F) Out-patient Benefits – Optional
    F.1. Prescribed drugs & dressings$1,000$1,500$2,500$2,500
    F.2. Specialist consultations
    F.3. Health screening benefit (10 months waiting period)For members who are 50 years and above, within the out-patient annual limitFor members who are 50 years and above, within the out-patient annual limitFor members who are 50 years and above, within the out-patient annual limitFor members who are 50 years and above, within the out-patient annual limit
    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

    Depending On Your Exact Requirement, You Have The Freedom To Choose Your Premium

     

    Geographical Zone I

    Sri Lanka, India, Thailand, MalaysiaAsiaWorldwide Excluding USA & CanadaWorldwide Excluding USA & Canada
    In-patientDeluxeLavishPlushRoyal
    Age 0 to 65$429$723$910$1,086
    In-patient + Out-patientDeluxeLavishPlushRoyal
    Age 0 to 65$686$1,157$1,456$1,738
    In-patient + Out-patient + Dental + VisionDeluxeLavishPlushRoyal
    Age 0 to 65N/A$1,388$1,747$2,085

    (ABOVE PREMIUMS ARE SUBJECTED TO TAXES)

    Geographical Zone II

    AsiaWorldwide Excluding USA & CanadaWorldwideWorldwide
    In-patientDeluxeLavishPlushRoyal
    Age 0 to 65$452$801$1,614$1,928
    In-patient + Out-patientDeluxeLavishPlushRoyal
    Age 0 to 65$723$1,282$2,582$3,085
    In-patient + Out-patient + Dental + VisionDeluxeLavishPlushRoyal
    Age 0 to 65N/A$1,538$3,099$3,702

    (ABOVE PREMIUMS ARE SUBJECTED TO TAXES)

    Note

    • Feel free to call us on 011 2428428 whenever you feel comfortable or wish to know more about this cover. What you see above is just a snapshot of our policy and we’d be more than happy to go over the fine-print with you. 
    • The comprehensive terms and conditions will be detailed in the policy document.