General Benefits	Cover
	Annual Policy Limit	US$1 million per insured year
	Emergency Evacuation
	Prescribed Drugs
	Oncology
	Inpatient & Day Patient Hospitalization
	Outpatient Care by Medical Practitioner
	X-Ray, MRI, CT & PET Scans
	Choice of Hospitals/Doctors	USA - Aetna PPO, Rest of World - Unrestricted
	Terrorist Cover
	Physiotherapy	- Referral letter required from medical practitioner for first claim, - Medical report required after 10 sessions
	Emergency Room Treatment
	Mortal Remains	US$15,000
	Well Child Care	US$400
	Annual Wellness Check	US$400
	Pre-existing Conditions	Contact Us
	Normal Pregnancy	Optional
	Complications of Pregnancy (10-month waiting period)
	Policy Excess (Outpatient Only)	US$100
	No Claims Bonus	Up to 50% discount
	Additional Travel Expenses (Following Evacuation)	US$2,500 per person, per evacuation
	Medical Practitioner & Specialist Fees
	Anaesthetist Fees
	Chiropractic, Osteopathy, Acupuncture, Homeopathy & Podiatry Treatment	10 sessions per medical condition
	Rehabilitation	120 days per medical condition
	Hospital Charges
	Surgical & Operating Theatre Fees
	Hospital Cash Benefit	US$125 per night up to 20 nights
	Reconstructive Surgery
	Home Nursing
	Convalescent Care
	Hospice Care	US$50 per day up to 10 days
	Organ Transplant	US$250,000 per lifetime
	Chronic Conditions	US$3,000
	Inpatient Psychiatric Treatment	US$5,000 over 30 days
	Outpatient Psychiatric Consultations	US$5,000
	Accidental Damage to Teeth	US$2,500
	Surgical Extraction of Teeth	US$2,500
	Nursing Fees
	Children’s cover from Birth	- Upon request for cover within 45 days of birth
	Parent Accommodation
	Newborn Accommodation
	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
	Local Ground Ambulance
	Medical Helpline	24hr (multi-lingual)
	Claims Processing	Scan & email
	Full access to

  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 maximum payable by you is US$5,000 per insured person per period of cover. Also, the first 50% of any admissible cost incurred for Well Child Care and Annual Wellness Check. 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
• Emergency Transportation
• Hospital Cash Benefit

• Well Child Care
• Wellness Benefit

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