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A group medical plan that provides assistance to members (and dependents, whenever applicable) in times of hospitalization arising from sickness or accidents. In-patient (IP) – benefit coverage for confinement in a hospital for treatment of sickness, disease, or any surgical procedure due to natural or accidental causes. Out-patient (OP) – benefit coverage for services like consultation, medicine reimbursements and/or laboratory/diagnostic procedures done in a clinic or hospital without needing hospital confinement.