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Gold Plan
VanCare Insurance Limited provides superior efficient services and affordable healthcare benefits for the people of Fiji.
  • Gold Hospitalisation plan (Compulsory)
  • Outpatient Reimbursement
Your Benefits

Medivac

Overseas medical evacuation where the medical practitioner chosen by VanCare certifies the need for a treatment, which is not available locally. VanCare will evacuate the patient to a preferred hospital in New Zealand/Fiji/India/Malaysia/Philippines. VanCare will make all necessary arrangement including airfare, accommodation and meals. If an accompanying relative or medical attendant is necessary and approved by VanCare, we will also pay for the expenses. In any other hospital arranged by you either in New Zealand, Australia or New Caledonia, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Limitation:  VT10,000,000 per disability

Local Hospitalisation

Medical treatment expenses incurred as a bed patient in any Government operated hospital in Fiji. If treatment is not available in any Government Hospitals in Fiji, VanCare requires a letter of confirmation from the Ministry of Health to confirm that treatment recommended is not available and patient will be referred to the Suva Private Hospital.

Limitation:  VT1,000,000 per person per disability

In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Limitation:  VT1,000,000 per disability

Daycare treatment

Treatment at any private clinic if treatment is not available through Government hospital. In any other hospital arranged by you either in New Zealand, Australia or India, VanCare will reimburse the equivalent cost of treatment from our preferred hospitals in India.

Limitation VT1,000,000 per disability

Outpatient Reimbursement

Reimbursements plan which covers 80% of the cost for consultation with any doctor in town at any time suitable to you. All prescribed medications are covered except for chronic medications. Inner limits apply.

Limitation: VT50,000 per person per annum

Who's covered?

  • Policy holder and the legal spouse of the Insured, other than a legally separated spouse.
  • An Insured’s unmarried or legally adopted child whose age ranges between fourteen (14) days and under nineteen (19) years and who is totally dependent on the Insured for support.
  • An Insured’s unmarried child or legally adopted child over the age of nineteen (19) years and under the age of twenty two (22) years if attending full time college or university and who is totally dependent on the Applicant for support.

Terms & Conditions

  • Maximum age limit is 65 years.
  • Pre-existing conditions not covered.
  • Maximum age of entry is 50 years and we cover till 65 years for all level of cover Gold, Silver and Gold.
  • Full medical examination is required by prospocts 45 years old or more.
  • Pre-Existing and related conditions are not covered
  • All other exclusions of the policy applies and can be found on our medical quotes.

Major Exclusions Under Hospitalisation Plan

  • All Congenital conditions.
  • Palliative Treatment.
  • All conditions related to HIV.
  • All conditions related to Sexually Transmitted Diseases.
  • Any sickness or illness which occurs while traveling outside the Geographical Limits of Vanuatu.
  • Pre-existing condition not covered.

Major Exclusions Under Outpatient Plan

  • Confirmed long-term disorders such as Asthma, Hypertension or Diabetes, vitamins and dietary supplements.
  • Over the Counter Drugs.