Even though you probably take good care of your health, at some point in life you may need to be hospitalized. This could be for a routine or minor matter, or a longer stay for a more serious illness. In any event, professional healthcare can be expensive and it is for these times when a personal health plan provides peace of mind by ensuring you will be reimbursed for the medical costs that could accumulate.

It's Aims

FlexiCare is a flexible plan which allows you to choose a level of care while in hospital, that will give you peace of mind and fits comfortably with your budget. FlexiCare is a personal healthcare insurance plan that can be bought up to the age of 64. It is from BAF’s NEW BAhamian Lifestyles series.

How It Works

The reimbursement of hospital expenses paid to you by FlexiCare depends on the amount of benefit you purchase. For example, if your cover is $200 per day, this is the amount you will receive. You must pay any costs that exceed that amount. If however, your expenses are less than 50% of the limit you have selected, BAF will pay you 50% of your policy limit.

The money you spend is returned to you on presentation of a receipt proving surgery or for the days you have spent in hospital. BAF will pay directly to you the amount of money that matches the level of cover you have chosen when taking out your plan. Even though you may be covered by a group plan with your employer, FlexiCare gives you cash in hand to cover any other additional costs associated with your stay in hospital. This may be extra care you have received, child-rearing costs, or even to spend on a holiday to help you recuperate.

FlexiCare lets you choose any amount of cover for each of these three categories:

• Hospital Daily Benefit
• Surgical Expense Benefit
• In-Hospital Doctors’ Visits    (click here for more information)

healthcare     to suit you