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What payments are included and excluded from your plans? Do I need to make payments for services additionally?

a) Your plan covers the services of the family care manager’s time and effort and the Saibaan team’s efforts during an emergency or in scheduling any healthcare requests.
b) Healthcare expenses incurred outside of Saibaan – for example any products purchased (medicines, lab tests, scans, etc.), services outside of Saibaan, services availed during an emergency or transport organized will be billed as actuals.