As much as you try to avoid accidents, you never know when you might need to visit the emergency room (ER). You can however prepare yourself with knowledge about the difference between benefits.

Firstly, it is important to know that a visit to a hospital’s ER does not qualify to be paid from your hospital benefits unless your condition is of such a serious nature that you need to be admitted to a hospital ward for further treatment. If you or your dependant do not need to be admitted to the hospital directly from the ER, the ER visit will be processed from your available day-to-day or savings limits.

Secondly, if you are transported to the hospital ER by any ambulance, and on examination in the ER you are found to be fit enough to return home, you will need to arrange your own transport home. This holds true in all cases, including where ambulance approval has been obtained.

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