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Annual premiums in US$  (effective May 1, 2018 ~ April 30, 2019)

Note: For Omega members who are residing or spending more than 2 months in a policy year within the United States, there will be an additional loading.

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  Age Male   Female  
  00 - 09 (1) $ 609   $ 609  
  10 - 18 (1) $ 1,511   $ 1,511  
  19 - 24 (1) $ 1,511   $ 1,511  
  00 - 24 $ 2,719   $ 5,019  
  25 - 29 $ 3,052   $ 5,638  
  30 - 34  $ 3,190   $ 6,059  
  35 - 39 $ 3,685   $ 6,794  
  40 - 44  $ 3,896   $ 4,893  
  45 - 49 $ 4,391   $ 5,488  
  50 - 54  $ 5,157   $ 5,648  
  55 - 59  $ 6,275   $ 6,567  
  60 - 64 $ 8,227   $ 8,227  
  65 - 69 (2) $ 11,547   $ 11,547  
  70 - 74 (2) $ 12,163   $ 12,163  
  Over 75 (2) $ 13,376   $ 13,376  
  Membership Fee $ 20      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 400 $ 100

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$400 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$100 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 479   $ 479  
  10 - 18 (1) $ 1,188   $ 1,188  
  19 - 24 (1) $ 1,188   $ 1,188  
  00 - 24 $ 2,012   $ 3,706  
  25 - 29 $ 2,262   $ 4,161  
  30 - 34  $ 2,361   $ 4,472  
  35 - 39 $ 2,644   $ 5,013  
  40 - 44  $ 2,880   $ 3,620  
  45 - 49 $ 3,242   $ 4,051  
  50 - 54  $ 3,806   $ 4,184  
  55 - 59  $ 4,618   $ 4,838  
  60 - 64 $ 6,618   $ 6,618  
  65 - 69 (2) $ 10,310   $ 10,310  
  70 - 74 (2) $ 10,708   $ 10,708  
  Over 75 (2) $ 11,776   $ 11,776  
  Membership Fee $ 20      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 800 $ 200

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$800 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$200 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 479   $ 479  
  10 - 18 (1) $ 1,188   $ 1,188  
  19 - 24 (1) $ 1,188   $ 1,188  
  00 - 24 $ 2,012   $ 3,706  
  25 - 29 $ 2,262   $ 4,161  
  30 - 34  $ 2,361   $ 4,472  
  35 - 39 $ 2,644   $ 5,013  
  40 - 44  $ 2,880   $ 3,620  
  45 - 49 $ 3,242   $ 4,051  
  50 - 54  $ 3,806   $ 4,184  
  55 - 59  $ 4,618   $ 4,838  
  60 - 64 $ 6,618   $ 6,618  
  65 - 69 (2) $ 10,310   $ 10,310  
  70 - 74 (2) $ 10,708   $ 10,708  
  Over 75 (2) $ 11,776   $ 11,776  
  Membership Fee $ 20      

  Policy Deductible Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 1,600 $ 400

A deductible is the amount that you are liable for before the insurance policy will reimburse your claim. A new deductible is applied each policy year per insured person. US$1,600 indicates the deductible that will be applied where treatment is sought within the United States, and US$400 indicates the deductible that will be applied when treatment is undertaken outside of the United States.
Hybrid level is ideal for American members who are located overseas and only really want to have US cover in the event of something very major, such as an organ transplant.

  Age Male   Female  
  00 - 09 (1) $ 420   $ 420  
  10 - 18 (1) $ 1,041   $ 1,041  
  19 - 24 (1) $ 1,041   $ 1,041  
  00 - 24 $ 1,378   $ 1,621  
  25 - 29 $ 1,550   $ 1,784  
  30 - 34  $ 1,616   $ 1,960  
  35 - 39 $ 1,814   $ 2,178  
  40 - 44  $ 2,065   $ 2,630  
  45 - 49 $ 2,302   $ 2,787  
  50 - 54  $ 2,817   $ 3,089  
  55 - 59  $ 3,401   $ 3,592  
  60 - 64 $ 5,007   $ 5,007  
  65 - 69 (2) $ 6,928   $ 6,928  
  70 - 74 (2) $ 6,698   $ 6,698  
  Over 75 (2) $ 7,368   $ 7,368  
  Membership Fee $ 20      
  Hybrid Policy Fee $ 240      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 5,000 $ 100

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$5,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$100 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 446   $ 446  
  10 - 18 (1) $ 1,106   $ 1,106  
  19 - 24 (1) $ 1,106   $ 1,106  
  00 - 24 $ 1,761   $ 2,308  
  25 - 29 $ 1,976   $ 2,597  
  30 - 34  $ 2,065   $ 2,787  
  35 - 39 $ 2,314   $ 3,114  
  40 - 44  $ 2,516   $ 3,254  
  45 - 49 $ 2,832   $ 3,532  
  50 - 54  $ 3,315   $ 3,719  
  55 - 59  $ 4,039   $ 4,227  
  60 - 64 $ 5,997   $ 5,997  
  65 - 69 (2) $ 7,927   $ 7,927  
  70 - 74 (2) $ 8,478   $ 8,478  
  Over 75 (2) $ 9,324   $ 9,324  
  Membership Fee $ 20      

Note: Pregnancy coverage is not available for this level.

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 2,000 $ 500

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$2,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$500 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 420   $ 420  
  10 - 18 (1) $ 1,041   $ 1,041  
  19 - 24 (1) $ 1,041   $ 1,041  
  00 - 24 $ 1,378   $ 1,621  
  25 - 29 $ 1,550   $ 1,784  
  30 - 34  $ 1,616   $ 1,960  
  35 - 39 $ 1,814   $ 2,178  
  40 - 44  $ 2,065   $ 2,630  
  45 - 49 $ 2,302   $ 2,787  
  50 - 54  $ 2,817   $ 3,089  
  55 - 59  $ 3,401   $ 3,592  
  60 - 64 $ 5,007   $ 5,007  
  65 - 69 (2) $ 6,928   $ 6,928  
  70 - 74 (2) $ 6,698   $ 6,698  
  Over 75 (2) $ 7,368   $ 7,368  
  Membership Fee $ 20      

Note: Pregnancy coverage is not available for this level.

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 4,000 $ 1,000

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$4,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$1,000 indicates the excess that will be applied when treatment is undertaken outside of the United States.

(1) The dependent child premium is only available when a natural or legally adopted unmarried child not more than age 18 (or not more than age 26 if in full-time education and must rely on the parents for support) is covered with at least one parent (the legal guardian) under the same program.

(2) Applicable for renewing member only.

Note 1: All premiums are subject to a BMI of below 30.

Note 2: Pregnancy coverage is only available for Levels 1, 2, Deductible and Hybrid plan. Pregnancy coverage is subject to a 10-month waiting period.

Note 3: All Omega levels provide the same of amount of coverage (
except for pregnancy), only the excess/deductible levels vary with the chosen level.

Note 4: All non-emergency treatment in the United States must be pre-approved in writing and be carried out at one of Aetna's preferred provider facilities if one is available within 100 miles. Failure to do so will automatically result in a 40% co-insurance without limitation.
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Options (in addition to the above)

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Additional Premium of $1,230* per Adult, $416* per Child.

This option provides extended cover that includes the routine management and palliative medical expenses incurred in connection with a chronic condition. Cover is restricted to new medical conditions that have not been previously suffered from, whether or not diagnosed, occurring after the purchase date of this option. Medical expenses are limited to routine check-ups, prescribed drugs and dressing, hospital accommodation, nursing, surgery, renal dialysis and palliative treatment associated with the chronic condition.

The payable benefit is limited up to US$50,000 (with HIV/AIDS coverage limited to US$10,000) per insured person per period of cover , subjected to the policy being maintained throughout the period of a claim.

Note: The option, if purchased, must be applied to all dependants on the policy. Please enquire about rates for those above age 65 years.
Additional Premium of $216* per Adult, $55* per Child.

Includes examinations and tooth cleaning, normal compound fillings, porcelain crowns and extractions, but excludes root canal treatment, false teeth, denture, corrective, orthodontic or cosmetic treatment carried out by a dental surgeon in a dental surgery; up to US$250 per insured person per period of cover. This cover is subject to a 6-month waiting period.

Routine Dental can only be added to Omega Levels 1, 2 and Omega Deductible Plan, it is not available for Levels 3, 4 & Hybrid plan. Routine Dental has no policy excess/deductible, only the standard 20% co-insurance. This cover is subject to a 6-month waiting period.

Note: The option, if purchased, must be applied to all dependants on the policy.
Additional Premium of $137 per Person.

This is a non medical benefit option that provides straightforward, but effective travel insurance policy that works whilst away from your Home Country and Overseas Country of Residence. Please note that for children, this option is only necessary if the child travels alone.

Cancellation & Curtailment:

Up to US$1,500 reimbursement for unused travel and accommodation costs, should you have to cancel or cut short your projected journey for various reasons.

Luggage, Clothing & Personal Effects:

Up to US$1,000 reimbursement for loss of, or damage to, luggage, clothing and personal effects. The underwriters will, in addition, pay up to US$2,000 in respect of loss of a notebook computer and up to US$300 for the loss of a camera or musical instrument.

Personal Money:

Up to a US$500 reimbursement for the loss of cash, bank or currency notes, traveller's cheques, passports, etc., including reasonable expenses incurred as a result of loss.

Excess:

The underwriters shall not be liable for the first US$50 of each claim (US$100 in the USA).

Territorial Limits:

Worldwide, excluding a member's Home Country and Normal Country of Residence.
Combination of the above three options
Additional Premium of $1,415* per Adult, $569* per Child.

Chronic Conditions + Routine Dental + Travel Cover bought all together for a reduced premium.

Additional Premium of $462* per Policy.

This option extends the built-in benefit to provide cover for reasonable travel and accommodation in respect of one insured person per policy necessarily having to travel to and return from the normal Country of Domicile or Country of Residence of a parent who has unexpectedly suffered a life threatening accident, life threatening illness or suffered a sudden death from any condition which did not pre-date the purchase date of this agreement. This is subject to US$1,500 towards the cost of travel per period of cover and limited to no more than 2 claims in any 5-year period.
Additional Premium of $ 176 for age 18~49 for US$100,000 option.
Additional Premium of $ 440 for age 18~49 for US$250,000 option.
Additional Premium of $ 352 for age 50~64 for US$50,000 option.
Additional Premium of $ 704 for age 50~64 for US$100,000 option.
Additional Premium of $1,760 for age 50~64 for US$250,000 option.

Life insurance that provides a flat rate pay out to a nominated beneficiary in the event of death.
Additional Premium of $74 on top of Term Life Cover.

A lump sum payment in the event that a member loses their life, or a significant body part in an accident. US$100,000 for 18~49-year-olds, and US$50,000 for 50~65-year-olds. This option is only available in conjunction with Term Life Cover.
Personal Accident Option
Additional Premium of $212 per Adult.

A lump sum payment of US$100,000 in the event of...

1. Accidental Death: US$100,000 or
2. Permanent Total Disablement from usual occupation following Accident: US$100,000 or
3. Loss of and/or loss of use of eyes and/or limbs following Accident: US$100,000

Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.
Non-Emergency Travel Option
Please contact us for rates.

This option will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility, in the event that a member requires inpatient or day patient non-emergency treatment that is unavailable at the member's current location. Subject to written agreement from us, and certified instructions from the attending medical practitioner or specialist including confirmation that the required treatment is unavailable at the place of incident. Limited to US$500 per period of cover (subject to 20% coinsurance).

Emergency travel benefits are included as a standard benefit within the policy.

Note: The option, if purchased, must be applied to all dependants on the policy.
Vision Care Option
Additional Premium of $220 per Person.

The cost of routine eye exam and the purchase of vision hardware, when the member's prescription has changed. Limited to 1 eye exam and a maximum of US$250 per insured person per period of cover. Policy excess does not apply to this benefit.

Note: The option, if purchased, must be applied to all dependants on the policy.
 
* The premium for this option will be reduced by any No Claims Bonus you have.
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Talent Trust Gives Back

In 2018 TTc launched an initiative called Talent Trust Gives Back. TTc's aim for this initiative is to combat the ever upwards trend of rising insurance premiums. Each member will directly receive 3% of their previous year's annual premium applied to their renewal premium payment.

No Claims Bonus  

TTc offer a NCB (No Claims Bonus), where a member is rewarded with a discount each year they are not reimbursed for a claim.

1 year no claims   - 10% off the standard rate.
2 years no claims - 20% off the standard rate.
3 years no claims - 30% off the standard rate.
4 years no claims - 40% off the standard rate.
5 years no claims - 50% off the standard rate.

Should a member make a claim and receive reimbursement, they will revert to a level two years below their current level at their next renewal. However, if their reimbursement exceeds US$10,000 (for claims within US) or US$25,000 (for claims outside US) they will drop all the way down to the standard premium, i.e., no discount. Members who make claims may continue to rebuild their discount in subsequent years.

Group Introductory Discounts

3-10 members - 20% discount
10+ members  - 30% discount

When members renew their discounts will follow the NCB structure.
A member is considered to be an adult or a family unit, whether or not they have dependants.

We are also able to offer these introductory discounts where a group has a reasonable expectation of that accumulative number during their initial 12-month period.

If an entire mission joins TTc, other discounts may be available depending on the number of members joining. Please contact us to discuss this. For groups in excess of 20 members it is also possible to provide premiums on a flat structure (Single, Couple, Family, Single Parent Family) if this is required.
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