Myanma Insurance

The latest new version of Health Insurance has been underwritten since February 1, 2019 by Myanmar Currency.
Health Insurance cover can be purchased by every person between the age of 6 and 75 who is in good health.
Together with the Basic Health Insurance cover, one can also purchase Additional Health insurance cover and Optional (1) and (2) covers.
Basic Health insurance cover can be purchased up to 10 units.
For Covid-19, After 15 days of commencement date, if the insured is found Covid-19 positive, he or she can have benefits.
One can purchase Additional and Optional covers only after he/she has purchased covers according to Basic Health Insurance cover.
The units of Optional Health Insurance covers must not exceed the units of Basic Health Insurance cover purchased.
After the units of Basic Health Insurance cover have been purchased, one unit to ten units of the Additional Health Insurance cover and one unit to ten units of Optional Health Insurance covers (1) and (2) could be freely purchased according to one’s consent. The policy term is 1 year

No	Health Insurance Cover	Age Group	Individual		Group
No	Health Insurance Cover	Age Group	Half-yearly	Yearly	Monthly	Quarterly	Half-yearly	Yearly
1	Basic Health Insurance cover	6-30	5600	11000	1000	2800	5300	10500
		31-40	7300	14300	1200	3600	6900	13600
		41-50	9000	17600	1500	4400	8600	16700
		51-60	14600	28600	2500	7100	13900	27200
		61-75	31400	61600	5300	15400	29800	58500
2	Additional Cover 1	6-75	8400	16500	1400	4200	8000	15700
3	Additional Cover 2	6-75	4500	8800	800	2200	4300	8400

No	Health Insurance Cover and Unit	Insurance benefits	Cause of Indemnity	Indemnity Amount(kyat)
1	Basic Health Insurance cover(Basic Unit)	Hospitalization of disease Hospitalization of accident Death	Hospitalization with the intention of medical treatment Death	10000 kyats for each day of hospitalization Maximum 60 days 1,000,000 kyats for death
2	Additional Cover 1	Surgery Abortion	Have surgery with anesthesia or local anesthesia Accidental abortion or abortion due to illness, medical treatment for abortion ( pregnancy only after the health insurance is purchased) Surgery	Actual expense or minimum 500,000 kyats 300,000 kyats (exclude the units) maximum 500,000 kyats for both surgery and abortion
3	Additional Cover 2	Clinical trial	Clinical trial with the intention of medical treatment	2500 kyats for one time and maximum 4 times

Insurance Cover	Insurance benefits excluding Covid-19	COVID-19
Insurance Cover	Insurance benefits excluding Covid-19	Goverment Personnel,Retired Goverment Personnel	Citizens
Hospitalization	1 day 1 unit – 10,000 KYATS	1 day 1 unit – 14,000 KYATS	1 unit- 12,000 KYATS
	1 day 10 units – 100,000 KYATS	1 day 10 units- 140,000 KYATS	1 day 10 units – 120,000 KYATS
	60 days- 600,000 KYATS	60 days – 840,000 KYATS	60 days – 720,000 KYATS
Death	1 unit – 1,000,000 KYATS	10 units – 1,400,000 KYATS	10 units – 1,200,000 KYATS
Death	10 units – 10,000,000 KYATS	10 units – 14,000,000 KYATS	10 units – 12,000,000 KYATS

For 1 unit of Basic Health Insurance cover, the insured could claim 10,000 kyats per day, and the maximum 60 days in the case of accidental hospitalization expenses. However, for the hospitalization by disease, the insured can only claim from the fourth day of hospitalization. 1,000,000 kyats could be claimed in the case of death by accident and disease.
For 1 unit of Additional Health Insurance cover, the insured can claim 10,000 kyats per day for maximum 60 days of hospitalization expenses. And kyats 1,000,000 could also be claimed for accidental death and death by disease only.
For 1 unit Optional Health Insurance cover (1), the insured could claim the actual expense of operation and / or minimum of 500,000 kyats. In the case of abortion, the insured can claim 300,000 kyats. For the case of both operation and abortion, the insured can claim 500,000 kyats. The insured can only claim once for these cases. For 1 unit of Optional Health Insurance cover (2), 2,500 kyats can be claimed once for hospitalization and going to the dispensary for the maximum four times ( i.e 10,000 kyats ).