Description

The CIBSHIPprograms have been demonstrated to improve access to healthcare services and poverty among the poor in the informal sector by eliminating or significantly reducing out of pocket payments for health services.

• Improve the quality of care by increasing the amount and reliability of resources available to health providers.
• Make health services more equitable (access to health care services according to need rather than ability to pay).
• Assist in breaking the vicious cycle of poverty-ill health- economic underproduction- poverty.

GENERAL EXCLUSIONS ON THE RETAIL PLAN.
• Cosmetic Surgery
• Teeth Whitening
• Dental Prosthetics
• Domiciliary/Hospice Care
• Alternative/Unorthodox medicine
• Neonatal care not listed under Neonatal Services on the benefit schedule
• Self-inflicted/domestic assault injuries
• Congenital abnormalities
• Conditions caused by an act of war, an epidemic or enrollee participating in a riot
• Services primarily for weight reduction or treatment of obesity
• Treatment of substance abuse
• Infertility –All investigations and treatment not listed above
• Orthodontics
• Advanced radiological investigations e.g. CT Scan, Myelogram, EEG not stated on the table etc.
• Advanced and complex investigations e.g. Marrow biopsy, skeletal survey etc.
• Prosthetic device such as cardiac pacemaker, orthopedic implants.
• Management of Chronic Renal Failure (Transplant surgery)
• Induced abortion
• Laser Treatment
• Transplant
• Complex major surgeries e.g. Heart, Brain and Great Blood Vessels
• Neurological surgeries
• Management of Cancer
• Professional sports and willful exposure to danger
• Infectious and contagious diseases in an epidemic
• All procedures, management and investigation not covered by the plans

ELIGIBILITY
• Individuals between age bracket as stated on premium benefit table