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Medically necessary hospital confinement including room and board, specialist services, surgical expenses and nursing costs.
Emergency treatment for an illness or injury that requires immediate attention at an Emergency Room.
Intensive Care Unit charges for treatment of a critical ailment.
Medical services, procedures, tests and consultations are performed at a medical center without an overnight stay.
Medicines prescribed by a physician or specialist to treat a covered ailment.
Subject to a 10-month waiting period, ultrasound examinations, consultations and childbirth with or without complications are covered.
Physical therapy costs for the treatment of a covered ailment or injury.
Medical treatment abroad for a covered ailment or injury that occurs during a trip abroad of less than 30 days or pre-approved referral by a specialist for medically necessary treatment or procedure abroad that cannot be obtained locally.
MAXIMUM LIMITS
Overall Annual Limit
Maximum Lifetime Limit
HOSPTIAL SERVICES
Inpatient Treatment
Surgical Expenses
Miscellaneous Expenses
Intensive Care
Emergency Room
OUTPATIENT SERVICES
Physician Consultation
Specialist Consultation
Prescription Medicines
X-Ray and Laboratory
Psychologist Consultation
Psychiatrist Consultation
MATERNITY CARE
Normal Prenatal Care
Prenatal Care with Complications
Medically Necessary Ultrasound
Normal Delivery
Childbirth with Complications
Newborn Care
PHYSIOTHERAPY
Physical Therapist Treatment
TREATMENT ABROAD
Hospital Services
Outpatient Services
TRANSPORTATION
Local Ambulance
Non-Emergency Medical Transportation
Emergency Medical Transportation
BASIC
MAXIMUM LIMITS
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100,000
Overall Annual Limit
100,000
300,000
Maximum Lifetime Limit
300,000
HOSPTIAL SERVICES
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Yes, shared room
Inpatient Treatment
Yes, shared room
Yes
Surgical Expenses
Yes
Yes
Miscellaneous Expenses
Yes
Max. 14 days per ailment
Intensive Care
Max. 14 days per ailment
Yes
Emergency Room
Yes
OUTPATIENT SERVICES
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Yes
Physician Consultation
Yes
Yes
Specialist Consultation
Yes
Yes
Prescription Medicines
Yes
Yes
X-Ray and Laboratory
Yes
Excluded
Psychologist Consultation
Excluded
Excluded
Psychiatrist Consultation
Excluded
MATERNITY CARE
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Max. 6 Physician Consultations
Normal Prenatal Care
Max. 6 Physician Consultations
Max. 6 Gynecologist Visits
Prenatal Care with Complications
Max. 6 Gynecologist Visits
Max. 6 Examinations
Medically Necessary Ultrasound
Max. 6 Examinations
Max. 2 Days
Normal Delivery
Max. 2 Days
Max. 7 Days
Childbirth with Complications
Max. 7 Days
First 30 Days of Life
Newborn Care
First 30 Days of Life
PHYSIOTHERAPY
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Max. 8 treatments per ailment
Physical Therapist Treatment
Max. 8 treatments per ailment
TREATMENT ABROAD
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Max. 30 days per ailment
Hospital Services
Max. 30 days per ailment
2,000
Outpatient Services
2,000
TRANSPORTATION
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Yes
Local Ambulance
Yes
Max. 3,000 per year
Non-Emergency Medical Transportation
Max. 3,000 per year
Max. 15,000 pear year
Emergency Medical Transportation
Max. 15,000 pear year
EXTENDED
MAXIMUM LIMITS
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150,000
Overall Annual Limit
150,000
450,000
Maximum Lifetime Limit
450,000
HOSPTIAL SERVICES
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Yes, shared room
Inpatient Treatment
Yes, shared room
Yes
Surgical Expenses
Yes
Yes
Miscellaneous Expenses
Yes
Max. 21 days per ailment
Intensive Care
Max. 21 days per ailment
Yes
Emergency Room
Yes
OUTPATIENT SERVICES
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Yes
Physician Consultation
Yes
Yes
Specialist Consultation
Yes
Yes
Prescription Medicines
Yes
Yes
X-Ray and Laboratory
Yes
Max. 8 visits per ailment
Psychologist Consultation
Max. 8 visits per ailment
Max. 8 visits per ailment
Psychiatrist Consultation
Max. 8 visits per ailment
MATERNITY CARE
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Max. 6 Physician Consultations
Normal Prenatal Care
Max. 6 Physician Consultations
Max. 7 Gynecologist Visits
Prenatal Care with Complications
Max. 7 Gynecologist Visits
Max. 7 Examinations
Medically Necessary Ultrasound
Max. 7 Examinations
Max. 2 Days
Normal Delivery
Max. 2 Days
Max. 10 Days
Childbirth with Complications
Max. 10 Days
First 30 Days of Life
Newborn Care
First 30 Days of Life
PHYSIOTHERAPY
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Max. 12 treatments per ailment
Physical Therapist Treatment
Max. 12 treatments per ailment
TREATMENT ABROAD
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Max. 45 days per ailment
Hospital Services
Max. 45 days per ailment
3,000
Outpatient Services
3,000
TRANSPORTATION
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Yes
Local Ambulance
Yes
Max. 4,000 per year
Non-Emergency Medical Transportation
Max. 4,000 per year
Max. 20,000 per year
Emergency Medical Transportation
Max. 20,000 per year
Note: All figures are in ANG/AWG
About Us
OUR COMMITMENT
At CG United, we are committed to providing quality service and absolute insurance protection. Our delivery on this commitment is the reason we’re one of the largest general insurers in the Caribbean offering all major classes of insurance.
FINANCIAL STRENGTH
CG United’s financial strength has resulted in an A Excellent rating by AM Best Co., USA. AM Best’s ratings are recognized worldwide as the benchmark for assessing a company’s financial security. Our annual strong ratings provide validation that CG United has the resources available to be there when our customers need us most.
CORALISLE GROUP
CG United Insurance Ltd. is a member of Coralisle Group Ltd. Coralisle Group (CG) is a Bermuda-based regional insurance provider with operations in 20 countries throughout the Caribbean and annual revenues in excess of US$600 million. CG is comprised of independently incorporated companies offering property and casualty insurance, employee benefits for pensions and health, personal life insurance and investment products. Coralisle Group Ltd. is a subsidiary of Edmund Gibbons Limited in Bermuda.
Contact Us
Thank you for your interest in CG United. Please complete the form below to receive more information on our products and services.
CURAÇAO
BUSINESS HOURS:
Monday thru Friday08:00 - 17:00
ARUBA
BUSINESS HOURS:
Monday thru Friday08:00 - 12:00 / 13:30 - 17:00
