An overview of key benefits, for full benefits please view Product Brochure [PDF]
Plan tier | Silver | Gold | Platinum |
---|---|---|---|
Area of cover | Worldwide or Worldwide excluding USA | ||
Annual overall benefit maximum – per beneficiary per period of cover | Silver | Gold | Platinum |
$1,000,000 | $2,000,000 | ✓ | |
Hospital charges | Silver | Gold | Platinum |
✓ Private room | ✓ Private room | ✓ Private room | |
Advanced Medical Imaging (MRI, CT and PET scans) | Silver | Gold | Platinum |
As part of impatient, daypatient or outpatient treatment. | $10,000 | $15,000 | ✓ |
Mental and Behavioural Health Care | Silver | Gold | Platinum |
$5,000 | $10,000 | ✓ | |
Cancer Care | Silver | Gold | Platinum |
✓ | ✓ | ✓ | |
Out of Area Emergency Hospitalisation Cover | Silver | Gold | Platinum |
$100,000 | $250,000 | ✓ | |
Routine maternity cover (12 months) | Silver | Gold | Platinum |
✕ | $7,000 | $14,000 | |
Global telehealth with Teladoc | Silver | Gold | Platinum |
Unlimited Consultations |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
Plan tier
Silver
Gold
Platinum
Area of cover
Worldwide or Worldwide excluding USA
Annual overall benefit maximum – per beneficiary per period of cover
Silver
-
$1,000,000
Gold
-
$2,000,000
Platinum
-
✓
Hospital charges
Silver
-
✓Private room
Gold
-
✓Private room
Platinum
-
✓Private room
Advanced Medical Imaging (MRI, CT and PET scans)
As part of impatient, daypatient or outpatient treatment.
Silver
-
$10,000
Gold
-
$15,000
Platinum
-
✓
Mental and Behavioural Health Care
Silver
-
$5,000
Gold
-
$10,000
Platinum
-
✓
Cancer Care
Silver
-
✓
Gold
-
✓
Platinum
-
✓
Out of Area Emergency Hospitalisation Cover
Silver
-
$100,000
Gold
-
$250,000
Platinum
-
✓
Routine maternity cover
(12 months)
Silver
-
✕
Gold
-
$7,000
Platinum
-
$14,000
Global telehealth with Teladoc
Unlimited Consultations
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
The following sections detail the optional benefits you can choose to add to your core cover. For full list of optional benefits, please view the Product Brochure
The International Outpatient optional module provides more comprehensive outpatient care where a hospital admission as a daypatient or inpatient is not required, including consultations with specialists, prescribed outpatient drugs and dressings, rehabilitation, genetic cancer testing and much more. For a more detailed overview of the optional International Outpatient module, please view our Product Brochure [PDF]
Annual International Outpatient benefit maximum – per beneficiary per period of cover | Silver | Gold | Platinum |
---|---|---|---|
$15,000 | $35,000 | ✓ | |
Consultations with medical practitioners and specialists (in-person or virtual appointments) | Silver | Gold | Platinum |
$2,500 | $5,000 | ✓ | |
Prescribed drugs and dressings | Silver | Gold | Platinum |
$1,500 | $3,000 | ✓ | |
Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging) | Silver | Gold | Platinum |
$2,5000 | $5,000 | ✓ | |
Pre-natal and post natal care | Silver | Gold | Platinum |
✕ | $3,500 | $7,000 | |
60+ care | Silver | Gold | Platinum |
$500 | $1,000 | $2,000 |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
Annual International Outpatient benefit maximum – per beneficiary per period of cover
Silver
-
$15,000
Gold
-
$35,000
Platinum
-
✓
Consultations with medical practitioners and specialists (in-person or virtual appointments)
Silver
-
$2,500
Gold
-
$5,000
Platinum
-
✓
Prescribed drugs and dressings
Silver
-
$1,500
Gold
-
$3,000
Platinum
-
✓
Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging)
Silver
-
$2,5000
Gold
-
$5,000
Platinum
-
✓
Pre-natal and post natal care
Silver
-
✕
Gold
-
$3,500
Platinum
-
$7,000
60+ care
Silver
-
$500
Gold
-
$1000
Platinum
-
$2,000
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
We understand the importance of your overall wellbeing and living a balanced life. In addition to health screenings, tests and examinations; this module also empowers you and your family with the services and support to manage your own individual day-to-day health and wellbeing. Your Wellness companion, comprising of the Life Management Assistance programme and the Wellness Coaching, is available to help you and your family stay healthy and well, both physically and mentally.
Life Management Assistance programme | Silver | Gold | Platinum |
---|---|---|---|
24/7 access to counsellors for mental and behavioural health support. | ✓ | ✓ | ✓ |
Telephonic Wellness Coaching | Silver | Gold | Platinum |
Access to a personal wellness coach for lasting lifestyle changes. | ✓ | ✓ | ✓ |
Mental Health Support Programme | Silver | Gold | Platinum |
Up to 20 face to face counselling sessions per condition per period of cover. | ✓ | ✓ | ✓ |
Routine adult physical examination | Silver | Gold | Platinum |
$225 | $450 | $600 | |
Footcare by a Chiropodist or Podiatrist | Silver | Gold | Platinum |
$225 up to 5 sessions | $450 up to 10 sessions | $900 up to 15 sessions | |
Cancer Screenings | Silver | Gold | Platinum |
$225 | $450 | ✓ |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
Life Management Assistance programme
24/7 access to counsellors for mental and behavioural health support.
Silver
-
✓
Gold
-
✓
Platinum
-
✓
Telephonic Wellness Coaching
Access to a personal wellness coach for lasting lifestyle changes.
Silver
✓
Gold
-
✓
Platinum
-
✓
Mental Health Support Programme
Up to 20 face to face counselling sessions per condition per period of cover.
Silver
-
✓
Gold
-
✓
Platinum
-
✓
Routine adult physical examination
Silver
-
$225
Gold
-
$450
Platinum
-
$600
Footcare by a Chiropodist or Podiatrist
Silver
-
$225 up to 5 sessions
Gold
-
$450 up to 10 sessions
Platinum
-
$900 up to 15 sessions
Cancer Screenings
Silver
-
$225
Gold
-
$450
Platinum
- ✓
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.
Annual Dental Treatment benefit maximum | Silver | Gold | Platinum |
---|---|---|---|
$1,250 | $2,500 | $5,500 | |
Preventative (3 months) | Silver | Gold | Platinum |
✓ | ✓ | ✓ | |
Routine (3 months) | Silver | Gold | Platinum |
80% refund | 90% refund | ✓ | |
Major restorative (12 months) | Silver | Gold | Platinum |
70% refund | 80% refund | ✓ | |
Orthodontic treatment (18 months) | Silver | Gold | Platinum |
40% refund | 50% refund | 50% refund |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
Annual Dental Treatment benefit maximum
Silver
-
$1,250
Gold
-
$2,500
Platinum
-
$5,500
Preventative
(3 months)
Silver
✓
Gold
-
✓
Platinum
-
✓
Routine
(3 months)
Silver
-
80% refund
Gold
-
90% refund
Platinum
-
✓
Major restorative
(12 months)
Silver
-
70% refund
Gold
-
80% refund
Platinum
-
✓
Orthodontic treatment
(18 months)
Silver
-
40% refund
Gold
-
50% refund
Platinum
-
50% refund
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
International Medical Evacuation provides coverage for reasonable transportation costs to the nearest centre of medical excellence in the event that treatment is not available locally in an emergency. This option also includes medical repatriation coverage, as a result of a serious illness or after a traumatic event or surgery. Compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness will also be covered.
Medical Evacuation | Silver | Gold | Platinum |
---|---|---|---|
✓ | ✓ | ✓ | |
Medical Repatriation | Silver | Gold | Platinum |
✓ | ✓ | ✓ | |
Crisis Assistance Plus Programme | This programme is provided by global crisis response experts, FocusPoint International®, who support global travellers with 24/7 multilingual response centres and resources in over 100 countries. Crisis Assistance Plus™ (CAP) provides time-sensitive advice and coordinated in-country crisis assistance for risks when travelling. |
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.
Medical Evacuation
Silver
-
✓
Gold
-
✓
Platinum
-
✓
Medical Repatriation
Silver
-
✓
Gold
-
✓
Platinum
-
✓
Crisis Assistance Plus Programme
- This programme is provided by global crisis response experts, FocusPoint International®, who support global travellers with 24/7 multilingual response centres and resources in over 100 countries. Crisis Assistance Plus™ (CAP) provides time-sensitive advice and coordinated in-country crisis assistance for risks when travelling.
✓ Paid in full,up to the annual benefit maximum,if applicable, for your selected plan per beneficiary per period of cover.
Waiting period applies.