Hospital Services (Page 3)
Services NOT Covered by Hospital Membership
- Drugs are charged individually, this includes anaesthetic drugs and gases
(except oxygen).
- Tests and treatments done at other medical clinics are not covered by cfb
membership.
- Outpatient consultations in cfb Clinic
- A light breakfast is provided, but all other meals may be brought in or
purchased through the outside caterer.
- Any admission in excess of ten days will incur a minimal charge per day
for the next ten days, and a commercial daily charge thereafter.
- Exclusion period for Excluded Conditions
Hospital membership becomes effective after seven days, but a further "waiting"
or "exclusion" period may be applicable before hospital coverage
becomes fully effective. This applies to new members with certain pre-existing
medical or surgical conditions. A new member who is suffering from a condition
which is subject to an exclusion period may be admitted to hospital and receive
treatment for that condition provided he/she pays the full rate for that treatment.
The daily bed fee would be charged at a reduced rate.
The waiting or exclusion period varies as set out below:
(i) One year for any admission relating to a pre-existing condition of illness
such as diabetes, high blood pressure or heart disease (example only)
(ii) Two years for any illness directly relating to HIV/Aids such as Kaposis
Sarcoma, pneumocystis carinii, TB etc
(iii) One year for any condition related to pregnancy including childbirth
(normal, assisted or surgical)
(iv) Two years for any condition related to pregnancy including childbirth
(normal, assisted or surgical) for an expectant mother who is HIV positive.
Once the exclusion period has expired any admission is covered by the hospital
membership.
NB: A patient admitted with a pre-existing condition during the exclusion
period would pay for use of the ambulance if required.
- Surgical procedures - certain conditions requiring surgical treatment, even
if not declared, are regarded as pre-existing and are not covered for the
first year of hospital membership. This applies to such conditions as cataract,
benign prostatic hypertrophy, hysterectomy for fibroids or menorrhagia, hernia,
hydrocele, congenital diseases, fistula-in-ano, gall stones, sinusitis, tonsillectomy
& adenoidectomy, circumcision (unless directly related to disease or injury)
etc. etc. (this list is for example only).
Patients are advised to check with the doctor before surgery to find
out about possible charges.
A full list of charges is available at the accounts office.
- If a hospital member undergoes surgery entirely at his/her own request,
which is not recommended by the doctor for medical reasons, then he/she will
be asked to pay for the surgery. This also applies to family planning procedures
(vasectomy & tubal ligation).
- Patients admitted with a self-induced condition (such as alcohol abuse,
drug abuse etc.) are not covered for treatment.
- If a consultant who is not on a retainer is called in, the fee is paid by
the patient.
NB: The decision of the doctor in charge of the hospital is final.
Addendum
Psychiatric Cases
cfb Hospital is unable to admit patients suffering from psychiatric disorders
or substance abuse due to lack of suitable facilities and staff trained in
Psychiatry.
It may be possible for a psychiatric patient to be kept in the OPD treatment
room for a few hours whilst alternative arrangements are being made by the
patient or the relatives.
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