“Choosing to insure my entire family with BSP Life, leaves me with no regrets.”

Shaheil Hussein | BSP Life customer

Value Care Benefits & Limits

It must be noted that prior approval from BSP Health is required to use most of the benefits available under this plan.
Your Benefits Limits
Day Care, Hospitalisation and Surgical Expenses in a Local Public Hospital (One-off 30 days waiting period for sickness or illness. No waiting period for accident cases. BSP Health will either pay the Local Public Hospital directly or reimburse the cost of treatment.). Annual limit of $7,500 per condition
If treatment is available in any Local Public Hospital Only a cash allowance of $50 per day up to an annual limit of $5,000 per condition will be paid.
Day Care and related services Charged costs will apply as per the Public Health Schedule of Fees.
Hospitalisation, Surgery and related services Single room accommodation upon availability. Charged costs will apply as per the Public Health Schedule of Fees.
Prosthesis Annual limit of $1,000 per condition.
Prosthesis Follow-up Care Annual limit of $1,000 per condition.
Pre and Post Operative Consultation with Local and Visiting Consultants For Local Consultants charged costs will apply as per the Public Health Schedule of Fees. For Visiting Consultants, charged costs will apply as per the applicable Schedule of Fees.
Cash Allowance $20 per day up to $400 per confinement provided hospital stay is more than 48 hours and is claimable after discharge.
Ambulance Services Reimbursement of charged costs for Hospitalisation or Medical Emergencies.
If treatment is not available in any Local Public Hospital
Day Care, Hospitalisation and Surgical Expenses (One-off waiting period of 30 days will apply from the commencement of cover. No waiting period will apply for conditions arising from an accident). Annual Limit of $40,000 per condition.
Day Care and related services Charged costs will apply as per the Approved Private Medical Facility Schedule of Fees.
Hospitalisation, Surgery and related services Charged costs will apply as per the Approved Private Medical Facility Schedule of Fees.
Prosthesis Annual limit of $1,000 per condition.
Prosthesis Follow-up Care Annual limit of $1,000 per condition.
Pre and Post Operative Consultation with Local and Visiting Consultants For Local Consultants, charged costs will apply as per the Approved Private Medical Facility Schedule of Fees. For Visiting Consultants, charged costs will apply as per the applicable Schedule of Fees.
Transport Subsidy Up to $100 per trip and limited to 2 trips per confinement.
Ambulance Services Reimbursement of charged costs for Hospitalisation or Medical Emergencies.
Medivac Care (One-off waiting period of 90 days will apply from the commencement of cover. No waiting period will apply for conditions arising from an accident).
Specialised Treatment by our Preferred Provider A Combined limit of $150,000 per condition per insured. 
Approved Local Specialised Treatment that is available and provided by our provider in Fiji. Covers treatment, travel, meals and accommodation of the insured and, if medically necessary, accommodation, meals and travel for an accompanying person and medical attendant.
Specialised Treatment that is not available in Fiji and provided by our provider in India.
Specialised Treatment that is not available in Fiji and you are not in a condition to travel to India, treatment will be done in New Zealand or Australia.
Loyalty Benefit for Funeral Assistance Cover
 Funeral Assistance Cover  $1,500 per death of the Primary Insured and Insured Spouse limited to $3,000 per policy after one year of continuous cover.
 PREMIUM RATES
Age Band  Value Care + Medivac
Single ($)
 Family ($)
From birth – 13 years 75.04
14-18 106.22
19-23 173.48 520.41
24-28 275.34 825.91
29-33 287.38 862.13
34-38 306.81 920.44
39-43 331.17 993.39
44-48 406.26 1,218.78
49-53 517.59 1,552.72
54-58 742.83 2,228.34
59-63 953.05 4,002.92
64 1,589.19 6,674.31