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MEDICAL AND HEALTH INSURANCE


               1.3     SECONDARY AND TERTIARY CARE



               Secondary  care  is  established  to  diagnose  and  treat  illness  and  disease.

               Secondary care services may include the following:


                     Colonoscopy

                     Magnetic resonance imaging (MRI)

                     Computerised axial tomography scans

                     Mammograms

                      Surgery.


               Tertiary  care  is  restorative  and  rehabilitative  care  designed  to  restore  an
               individual  back  to  an  optimal  level  of  health.  The  objective  is  to  decrease

               the  risk  of  permanent  disability  related  to  the  illness  or  disease.  Tertiary

               care services may include the following:


                     Physical therapy

                     Occupational therapy

                     Speech therapy
                     Respiratory therapy

                      Use of durable medical equipment.


               Both  the  deliveries  are  at  either  public  or  private  hospitals  and  are

               generally  referred  by  the  primary  care  physicians  for  further  treatment,

               specifically for the illness or disease.


               1.4     PUBLIC AND PRIVATE HEALTHCARE SERVICES


               Healthcare  services  are  very  wide,  related  to  health  and  applicable  to  both,

               public and private healthcare system delivery.





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