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


Option IOption IIOption IIIOption IVOption VOption VIOption VII
Option VIIIOption IXOption XOption XIOption XII
US$15 out-patient per visit excessUS$30 out-patient per visit excess10% out-patient co-insurance, up to a maximum out of pocket of US$2,00020% out-patient co-insurance, up to a maximum out of pocket of US$4,00030% out-patient co-insurance, up to a maximum out of pocket of US$6,000


Maximum coverage per person, per policy yearUS$4,000,000
Age limit to apply Up to 74 years
Geographical cover optionsThe 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.
Adult companion accommodation (related to a covered hospitalisation of an insured child under age 18)Up to policy maximum
Psychiatric treatmentUp to policy maximum, max. of 30 days
Standard private room (room and board)100% UCR, up to policy maximum
Complementary therapy including physiotherapy, traditional chinese medicine (TCM) and ayurvedic treatmentUp to policy maximum, pre-authorisation required after 10 sessions
Day-care treatmentUp to policy maximum
General practitioner and specialist feesUp to policy maximum
Hormone replacement therapy to relieve the symptoms of menopauseUp to US$250
Nursing care at homeUp to policy maximum, max. of 90 days
Out-patient surgeryUp to policy maximum
Prescription drugsUp to policy maximum
Psychiatric treatmentUp to US$5,000
Travel vaccinations and preventive medication e.g. against malariaUp to US$250
Congenital conditions after 30 days from birth Up to US$100,000
Congenital conditions from birth up to 30 daysCovered under the new-born benefit
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRI scans) Up to policy maximum
External prostheses Up to US$2,000 per policy year
HIV- AIDS treatmentUp to US$50,000
Oncology treatments (cancer tests, drugs and treatment) Up to policy maximum
Organ transplant (per organ/tissue, per lifetime) Full refund including US$50,000 for donor costs
Prescribed physical therapy and rehabilitation Up to policy maximum, max. of 90 days per medical condition
Reconstructive surgery Up to policy maximum
Renal failure and dialysis Up to policy maximum
Routine management of chronic conditionsUp to policy maximum
Surgical procedures Up to policy maximum
Terminal illness / palliative care Up to US$100,000 per lifetime
Maternity and birth complications Up to policy maximum
Maternity careUp to US$12,500
New-born coverUp to US$100,000
Emergency transportation by air ambulance & emergency medical evacuationUp to policy maximum
Repatriation of mortal remainsUp to policy maximum, US$10,000 for burial or cremation costs
Emergency dental treatment Up to policy maximum
Emergency non-elective treatment outside the geographical area of coverage• Up to policy maximum for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for out-patient hospital visits
Emergency transportation by ground ambulanceUp to policy maximum
Hospital cash benefit Up to US$350 per night, max. of 30 nights
Passive war and terrorism Up to policy maximum
Second Medical Opinion VIP Access to the medical opinion of internationally renowned experts from around the world regarding a condition (no deductible applies)
Evacuation to country of choice, country of residence or home country Up to policy maximum
Medical history diregardedFor compulsory group policies of 10 employees or more
Non-emergency evacuation Up to US$2,000
Routine and major dental treatment coverFor compulsory group policies of 5 employees or more
• Option I - Up to US$500 for routine and up to US$1,000 for complex
• Option II - Up to US$750 for routine and up to US$1,500 for complex

Subject to a 20% co-insurance
USA elective treatment (only available for insureds who chose the worldwide including USA elective treatment geographical area of cover)Up to US$3,000,000
Wellness and optical Option I - US$500
Option II - US$1,000


HIV-AIDS 36 months
Maternity and new-born complications 12 months
Maternity care12 months