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

Shaheil Hussein | BSP Life customer

Value Care SP offers excellent Medical Cover

The rising cost of medical treatment means that medical insurance should be part of every life plan. With Value Care SP, you have peace of mind knowing that you have the necessary support for local hospitalisation at a public hospital with surgical treatment at a private medical facility and overseas medical treatment. You also have the opportunity to tailor a health plan to suit your needs and budget by including optional benefits like Out Patient Service, Optical and Dental and Allied Health. Value Care SP is available to individuals and families as well as group schemes who are looking for medical insurance at reasonable rates. Benefits provided through this plan are regularly reviewed to meet our customers’ needs. 

Features & Benefits

The Value Care SP plan covers you for Day Care, Hospitalisation and  Surgery

Day Care, Hospitalisation and  Surgery Cover

In any Local Public Hospital, you will get the privacy and comfort of a single room accommodation, provided one is available at the time of admission. Should your hospital stay be more than 48 hours, you also get a cash allowance of $20 per day up to $400 per confinement.

Treatment in World Class Medical Facilities

If the condition cannot be treated in any Local Public Hospital.

Specialist Treatment

Locally by overseas specialists.

At an Approved Private Medical Facility

If the condition cannot be treated in any Local Public Hospital.

If you prefer to be treated in an Approved Private Medical Facility

Even though treatment is available in any Local Public Hospital, we will only pay $50 per day of your hospital stay.

Loyalty Benefit Funeral Assistance Cover

For the Primary Insured and Insured Spouse that offers a cash payout of $1,500 per death after one year of continuous cover, up to a maximum of $3,000 per policy.

Family Rates

Includes the Primary Insured and his/her legally married or de facto spouse or a single parent or legal guardian with up to 6 dependents.

Age at Entry

Primary Insured and Insured Spouse – from 18 to 55 years. Dependents – from birth to 17 years or up to 23 years if a full time student. Documentary evidence of student status must be provided.

More Information on the Value Care SP Plan

View more information on our Family Concession rates along with its conditions, our General Exclusions, the Optional Benefits for the Value Care SP plan and other important notes, terms and conditions.

Family Concession Rates

Family rate includes the Primary Insured and his/her legally married or de facto spouse or a single parent or legal guardian with up to 6 dependents.
The single rate will apply if the family rate is more expensive.
Premium rate for age band From birth-13 and 14-18 is only available to the family plan.
The 19-23 age band premium rates will apply to a family where the Primary Insured is under the age of 19.
For a family with more than six children, the six youngest children will use the family rate according to the Primary Insured’s age band. The older children will use the single premium rate for age bands From birth-13 and 14-18.

General Exclusions

  • All existing medical conditions.
  • All congenital conditions.
  • All conditions related to drugs and alcohol abuse.
  • All conditions related to Sexually Transmitted Infection (STI), Human Immunodeficiency Virus (HIV) infection and Acquired Immune Deficiency Syndrome (AIDS).
  • Air Ambulance Services

Optional Benefits

To enhance your health insurance benefits, Value Care SP also offers five optional benefits. You can choose one or more of the options, whatever suits your needs and your budget. These options cannot be sold independent of Value Care SP. The product package under a family plan must be the same or less than the package of the Primary Insured, therefore no family member can have more benefits than the Primary Insured.

  • Outpatient Care – Outpatient consultation at nominated doctors and pharmacies.
  • Outpatient Care Plus – Outpatient consultation plus Specialist and Diagnostics services.
  • Premier Outpatient – Outpatient consultation plus Specialist and Diagnostics services with BSP Health Approved Provider.
  • Dental and Optical Care
  • Allied Health Care

Important Notes

The Information in this web page is for information only and does not constitute a legally binding document. Full details are outlined in the Policy Document.

Terms and conditions apply to all benefits.
Maximum limits are annual amounts unless stated otherwise.
Treatments that are not available at an Approved Private Medical Facility will be referred to the Local Public Hospital.
All dependents must be totally reliant on and related to the Primary Insured by being the biological or adopted single child up to the age of 17 years or up to the age of 23 years if a full time student in an accredited recognised educational institution. Proof of dependency will be required.
All amounts are in Fijian dollars unless stated otherwise.
A waiting period refers to the period of time the health plan does not cover an insured for a specific benefit or condition.

Value Care SP Benefits & Limits

Find out more about our Value Care SP Benefits and Limits. Conditions may apply for some.

CALL: 132 700

or contact your Insurance Advisor today.

Term & Conditions Apply