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  General Benefits Cover
  Annual Policy Limit US$1 million per insured year
  Medical Helpline 24-hr (multi-lingual)
  Emergency Evacuation ticked icon
  Additional Travel Expenses
(Following Evacuation)
US$2,500 per person, per evacuation
  Choice of Hospitals/Doctors USA - Aetna PPO,
Rest of World - Unrestricted
  Terrorist Cover ticked icon
  Mortal Remains US$15,000
  Medical Practitioner & Speciallist Fees ticked icon
  X-Ray, MRI, CT & PET Scans ticked icon
  Anaesthetist Fees ticked icon
  Physiotherapy ticked icon- Referral letter required from medical practitioner for first claim,
- Medical report required after 10 sessions
  Chiropractic, Osteopathy, Acupuncture, Homeopathy, Podiatry Treatment 10 sessions per medical condition
  Rehabilitation 120 days per medical condition
  Hospital Charges ticked icon
  Surgical & Operating Theatre Fees ticked icon
  Intensive Care Room ticked icon
  Private Hospital Room ticked icon
  Emergency Room Treatment ticked icon
  Hospital Cash Benefit US$125 per night up to 20 nights
  Prescribed Drugs & Dressings ticked icon
  Reconstructive Surgery ticked icon
  Home Nursing ticked icon
  Convalescent Care ticked icon
  Hospice Care US$50 per day up to 10 days
  Organ Transplant US$250,000 per lifetime
  Chronic Conditions US$3,000
  Oncology ticked icon
  Complications of Pregnancy
(10-month waiting period)
ticked icon
  Inpatient Psychiatric Treatment US$5,000 over 30 days
  Outpatient Psychiatric Consultations US$5,000
  Local Ground Ambulance ticked icon
  Accidental Damage to Teeth US$2,500
  Surgical Extraction of Teeth US$2,500
  Nursing Fees ticked icon
  Children's cover from Birth ticked icon- upon request for cover within 45 days of birth
  Parent Accomodation ticked icon
  Newborn Accommodation ticked icon
  Newborn Care US$100,000 over 90 days
  Infertility Benefit US$2,500
  Hormone Replacement Therapy 3 months per lifetime
  Congenital Anomalies US$100,000
  Ancillary Expenses US$1,000
  Compassionate Emergency Travel US$3,000 per claim
  Pre-existing Conditions 2-year moratorium
  Claims Processing Scan & email
  Policy Excess (Outpatient Only) US$100
  No Claims Bonus Up to 50% discount
 
Full access to  
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  Wellness Checkpoint ticked icon


ticked icon  Indicates that benefits will be paid subject to excess and coinsurance where applicable, and subject to usual reasonable and customary charges.


Complications of Pregnancy is subject to a 10-month waiting period.

Excess: The amount payable by a member for expenses incurred before any benefits are paid by the policy. The excess is applied per medical condition per insured person.

Coinsurance: The first 20% of any admissible cost for accident and emergency treatment received in the USA. The maxmum payable by you is US$5,000 per insured person per period of cover. The coinsurance is applied after any deduction for excess applicable to the policy.

The following benefits are not subject to an excess and coinsurance:
  • Emergency Evacuation
  • Mortal Remains
  • Compassionate Emergency Travel
  • Emergency Transportation
  • Well Child Care
  • Hospital Cash Benefit
The Complications of Pregnancy benefit is not subject to coinsurance.


Note: The above information is not exhaustive. For full details, please click HERE Legal Wording PDF for a copy of the legal wording.

 

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