LA Comprehensive

This benefit option has a Major Medical Benefit (MMB) for all in-hospital and large expenses. It provides cover for the Prescribed Minimum Benefit (PMB) Chronic Disease List (CDL) conditions as well as for several Additional Disease List (ADL) conditions. For CDL conditions, all approved chronic medicine is subject to a medicine list (formulary) and if the formulary is not used, the medicine is paid up to a monthly Chronic Drug Amount (CDA).

The LA Comprehensive Option pays for day-to-day medical expenses from a Medical Savings Account (MSA). Once the MSA limits are depleted and the Annual Threshold for day-to-day claims is reached, further day-to-day expenses will be paid by the Scheme.

Only certain limits apply after the Threshold is reached.