GLOBAL FLEX VIP SUPERIOR

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$4,000,000
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 restrictionFor 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)		100% UCR
Psychiatric treatment100% UCR, max. of 30 days
Private hospital room (room and associated medical costs)100% UCR

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 treatment100% UCR, pre-authorisation required after 10 sessions
Day-care treatment100% UCR
General practitioner and specialist fees 100% UCR
Hormone replacement therapy to relieve the symptoms of menopauseUp to US$250
Nursing care at home 100% UCR, max. of 90 days
Outpatient surgery100% UCR
Prescription drugs100% UCR
Psychiatric treatmentUp to US$5,000
Travel vaccinations and preventive medication, e.g., against malariaUp to US$250

Maternity

DescriptionCoverage
Maternity and birth complications 100% UCR
Maternity careUp to US$12,500
Newborn cover Up to US$100,000

Medical Evacuation

DescriptionCoverage
Emergency transportation by air ambulance & emergency medical evacuation100% UCR
Repatriation of mortal remains100% UCR, US$10,000 for burial or cremation costs

General Benefits

DescriptionCoverage
Congenital and/or hereditary conditions after 30 days from birthCovered under the newborn benefit
Congenital and/or hereditary conditions from birth up to 30 days Up to US$100,000
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans)100% UCR
Durable medical equipment and external prosthesesUp to US$2,000 per policy year
HIV- AIDS treatmentUp to US$50,000
Oncology (tests, drugs and treatments approved by the FDA)100% UCR
Organ transplant (per organ/tissue, per lifetime) 100% UCR,including up to US$50,000 for donor costs
Prescribed rehabilitation therapies100% UCR, max. of 90 days per medical condition
Reconstructive surgery 100% UCR
Renal failure and dialysis100% UCR
Routine management of chronic conditions 100% UCR
Surgical procedures100% UCR
Terminal illness / palliative careUp to US$100,000 per lifetime

Other Benefits

DescriptionCoverage
Emergency dental treatment 100% UCR
Emergency non-elective treatment outside the geographical area ofcover• 100% UCR for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for outpatient hospital visits
Emergency transportation by ground ambulance100% UCR
Emergency or urgent outpatient care100% UCR
Hospital cash benefit Up to US$350 per night, max. of 30 nights
Passive war and terrorism100% UCR
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 the worldwide including USA elective treatment geographical area ofcover)Up to US$3,000,000

*Coverage subject to purchase

Optional Benefits *

DescriptionCoverage
Evacuation to country of choice, country of residence or home country 100% UCR
Non-emergency evacuation Up 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 newborn complications 12 months *
Maternity care12 months *

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