|
|
Annual Policy Limit |
US$1 million per insured year |
|
Medical Helpline |
24-hr (multi-lingual) |
|
Emergency Evacuation |
 |
|
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 |
 |
|
Mortal Remains |
US$15,000 |
|
Medical Practitioner & Speciallist Fees |
 |
|
X-Ray, MRI, CT & PET Scans |
 |
|
Anaesthetist Fees |
 |
|
Physiotherapy |
- 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 |
 |
|
Surgical & Operating Theatre Fees |
 |
|
Intensive Care Room |
 |
|
Private Hospital Room |
 |
|
Emergency Room Treatment |
 |
|
Hospital Cash Benefit |
US$125 per night up to 20 nights |
|
Prescribed Drugs & Dressings |
 |
|
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 |
|
Oncology |
 |
|
Complications of Pregnancy (10-month waiting period) |
 |
|
Inpatient Psychiatric Treatment |
US$5,000 over 30 days |
|
Outpatient Psychiatric Consultations |
US$5,000 |
|
Local Ground Ambulance |
 |
|
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 Accomodation |
 |
|
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 |
|
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
|
 |
|
Annual Wellness Check |
US$400 |