Emergency Care
If you or a covered family member experiences a medical emergency, seeking prompt care should be the first priority. Under the MSP, emergency care is covered 24 hours a day, seven days a week, anywhere in the world. A medical emergency is defined as a sudden and unforeseeable illness or injury of such a nature that failure to get immediate medical care could be life-threatening or cause serious harm to bodily function.
Examples of medical emergencies include:
  • Apparent heart attack
  • Severe or multiple injuries
  • Severe shortness of breath
  • Severe bleeding
  • Allergic reactions accompanied by swelling of the face and lips or wheezing in the chest
  • Apparent poisoning
  • Sudden loss of consciousness
  • Obvious fractures
  • Convulsions
  • Sudden vision loss
What to Do in Case of Emergency
In case of a medical emergency, you should go immediately to the nearest hospital emergency room. The MSP will cover 80% of the Eligible Expenses for the emergency room visit which are not covered by Medicare after you have met your annual deductible.
It is important to understand that symptoms such as colds, earaches, sprains and rashes, although potentially serious, are not immediately life-threatening, and thus, may not require a visit to the emergency room. In these cases, you should always call your regular physician first.