GLOBAL FLEX VIP STANDARD

A comprehensive plan
offering superior benefits
and free choice of medical providers

DEDUCTIBLE OPTIONS*

Option IOption IIOption IIIOption IVOption VOption VIOption VII
US$0
deductible		US$1,000
deductible		US$2,000
deductible		US$5,000
deductible		US$10,000
deductible		US$15,000
deductible		US$20,000
deductible
Option VIIIOption IXOption XOption XIOption XII

US$15 outpatient per
visit excess

US$30 outpatient per
visit excess

10% outpatient
coinsurance, up to a
maximum out of pocket
of US$2,000

20% outpatient
coinsurance, up to a
maximum out of pocket
of US$4,000

30% outpatient
coinsurance, up to a
maximum out of pocket
of US$6,000

TABLE OF BENEFITS

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General Info

DescriptionCoverage
Maximum cover per person, per policy yearUS$3,500,000
Maximum age to apply for coverageUp to 74 years
Geographical cover options

The policyholder can choose geographical area of cover restrictions
as follows:
Any treatment received outside the geographic area of coverage is
limited to the emergency non-elective treatment benefit.


• Worldwide including USA elective treatment


• Worldwide excluding USA


• Africa area of cover restriction
For insureds residing in Africa, the area of cover will be restricted to:
Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon,
Mainland China, and the Philippines.

• Asia area of cover restriction

For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia,
Georgia, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Myanmar,
Mongolia, the Philippines, Tajikistan, Thailand, Timor-Leste (East Timor),
Turkey, Turkmenistan, Uzbekistan and Vietnam, the Asia area of cover
restriction will include Singapore but exclude Mainland China,
Hong Kong, Japan, and South Korea.


• Indian sub-continent area of cover restriction
For insureds residing in Bangladesh, Bhutan, India, Maldives, Nepal,
Pakistan, and Sri Lanka the Indian sub-continent area of cover
restriction will include all named countries and Singapore.

Inpatient Benefits

DescriptionCoverage
Adult companion accommodation (related to a covered
hospitalisation of an insured child under age 18)		Up to the maximum benefit
Psychiatric treatmentUp to the maximum benefit, max. of 30 days
Standard private room (room and board) 100% UCR, up to the maximum benefit

Inpatient benefits include but are not limited to the following treatments when admitted to hospital: specialists, surgeon and anesthesiologist fees, drugs, general nursing, intensive care unit, medical appliances and surgical implants, operating theatre, therapies (if prescribed by a specialist as part of the insured’s hospital stay but are not the primary treatment for which they are in the hospital to receive).

Outpatient Benefits

DescriptionCoverage
Complementary therapy including physiotherapy, Traditional Chinese Medicine (TCM) and Ayurvedic treatmentUp to the maximum benefit, pre-authorisation required after 10 sessions
Day-care treatmentUp to the maximum benefit
General practitioner and specialist fees Up to the maximum benefit
Nursing care at home Up to the maximum benefit, max. of 60 days
Outpatient surgeryUp to the maximum benefit
Outpatient prescription drugsUp to the maximum benefit
Psychiatric treatmentUp to US$2,500
Travel vaccinations and preventive medication, e.g., against malariaUp to US$150

Maternity

DescriptionCoverage
Maternity and birth complicationsUp to the maximum benefit
Newborn coverUp to US$75,000

Medical Evacuation

DescriptionCoverage
Emergency transportation by air ambulance & emergency medical evacuationUp to the maximum benefit
Repatriation of mortal remains Up to the maximum benefit, US$7,500 for burial or cremation costs

General Benefits

DescriptionCoverage
Congenital and/or hereditary conditions after 30 days from birthUp to US$75,000
Congenital and/or hereditary conditions from birth up to 30 daysCovered under the newborn benefit
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans) Up to the maximum benefit
External prosthesesUp to US$1,500 per policy year
HIV- AIDS treatmentUp to US$50,000
Gene therapiesUp to US $500,000
Oncology (tests, drugs and treatments approved by the FDA or equivalent domestic/ international regulatory body) Up to the maximum benefit
Organ transplant (per organ/tissue, per lifetime)Up to the maximum benefit,including up to US$50,000 for donor costs
Prescribed rehabilitation therapiesUp to the maximum benefit, max. of 60 days per medical condition
Reconstructive surgery Up to the maximum benefit
Renal failure and dialysisUp to the maximum benefit
Routine management of chronic conditionsUp to the maximum benefit
Surgical proceduresUp to the maximum benefit
Terminal illness / palliative care Up to US$75,000 per lifetime

Other Benefits

DescriptionCoverage
Emergency dental treatment Up to the maximum benefit
Emergency non-elective treatment outside the geographical area of coverage• Up to the maximum benefit for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for outpatient hospital visits
Emergency transportation by ground ambulanceUp to the maximum benefit
Hospital cash benefit Up to US$300 per night, max. of 30 nights
Passive war and terrorism Up to the maximum benefit
Second Medical Opinion VIP®Access to the medical opinion of internationally renowned experts from around the world regarding a condition, no deductible applies
USA elective treatment (only available for insureds who chose theworldwide including USA elective treatment geographical area ofcover)Up to US$3,000,000

Optional Benefits

DescriptionCoverage
Evacuation to country of choice, country of residence or home countryUp to the maximum benefit
Non-emergency evacuationUp to US$2,000
Wellness and optical • Option I - US$500
• Option II - US$1,000

* Coverage subject to purchase

WAITING PERIODS

DescriptionCoverage
HIV-AIDS 36 months
Maternity and birth complications12 months *

Effective from 1 July 2025, or after the renewal
*Subject to underwriting