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Annual premiums in US$  (effective May 1, 2019 ~ April 30, 2020)

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) $ 603   $ 603  
  10 - 18 (1) $ 1,496   $ 1,496  
  19 - 24 (1) $ 1,496   $ 1,496  
  00 - 24 $ 2,692   $ 4,969  
  25 - 29 $ 3,022   $ 5,582  
  30 - 34  $ 3,158   $ 5,999  
  35 - 39 $ 3,648   $ 6,726  
  40 - 44  $ 3,857   $ 4,844  
  45 - 49 $ 4,347   $ 5,433  
  50 - 54  $ 5,105   $ 5,592  
  55 - 59  $ 6,212   $ 6,502  
  60 - 64 $ 8,145   $ 8,145  
  65 - 69 (2) $ 11,432   $ 11,432  
  70 - 74 (2) $ 12,042   $ 12,042  
  Over 75 (2) $ 13,242   $ 13,242  
  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) $ 474   $ 474  
  10 - 18 (1) $ 1,176   $ 1,176  
  19 - 24 (1) $ 1,176   $ 1,176  
  00 - 24 $ 1,992   $ 3,669  
  25 - 29 $ 2,240   $ 4,119  
  30 - 34  $ 2,337   $ 4,427  
  35 - 39 $ 2,618   $ 4,962  
  40 - 44  $ 2,852   $ 3,584  
  45 - 49 $ 3,210   $ 4,010  
  50 - 54  $ 3,768   $ 4,142  
  55 - 59  $ 4,571   $ 4,790  
  60 - 64 $ 6,552   $ 6,552  
  65 - 69 (2) $ 10,207   $ 10,207  
  70 - 74 (2) $ 10,600   $ 10,600  
  Over 75 (2) $ 11,659   $ 11,659  
  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) $ 474   $ 474  
  10 - 18 (1) $ 1,176   $ 1,176  
  19 - 24 (1) $ 1,176   $ 1,176  
  00 - 24 $ 1,992   $ 3,669  
  25 - 29 $ 2,240   $ 4,119  
  30 - 34  $ 2,337   $ 4,427  
  35 - 39 $ 2,618   $ 4,962  
  40 - 44  $ 2,852   $ 3,584  
  45 - 49 $ 3,210   $ 4,010  
  50 - 54  $ 3,768   $ 4,142  
  55 - 59  $ 4,571   $ 4,790  
  60 - 64 $ 6,552   $ 6,552  
  65 - 69 (2) $ 10,207   $ 10,207  
  70 - 74 (2) $ 10,600   $ 10,600  
  Over 75 (2) $ 11,659   $ 11,659  
  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) $ 415   $ 415  
  10 - 18 (1) $ 1,031   $ 1,031  
  19 - 24 (1) $ 1,031   $ 1,031  
  00 - 24 $ 1,364   $ 1,605  
  25 - 29 $ 1,534   $ 1,767  
  30 - 34  $ 1,599   $ 1,941  
  35 - 39 $ 1,796   $ 2,156  
  40 - 44  $ 2,044   $ 2,604  
  45 - 49 $ 2,279   $ 2,760  
  50 - 54  $ 2,789   $ 3,058  
  55 - 59  $ 3,367   $ 3,556  
  60 - 64 $ 4,957   $ 4,957  
  65 - 69 (2) $ 6,859   $ 6,859  
  70 - 74 (2) $ 6,631   $ 6,631  
  Over 75 (2) $ 7,294   $ 7,294  
  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) $ 441   $ 441  
  10 - 18 (1) $ 1,095   $ 1,095  
  19 - 24 (1) $ 1,095   $ 1,095  
  00 - 24 $ 1,744   $ 2,285  
  25 - 29 $ 1,956   $ 2,571  
  30 - 34  $ 2,044   $ 2,760  
  35 - 39 $ 2,291   $ 3,083  
  40 - 44  $ 2,490   $ 3,221  
  45 - 49 $ 2,803   $ 3,496  
  50 - 54  $ 3,282   $ 3,682  
  55 - 59  $ 3,999   $ 4,185  
  60 - 64 $ 5,937   $ 5,937  
  65 - 69 (2) $ 7,848   $ 7,848  
  70 - 74 (2) $ 8,393   $ 8,393  
  Over 75 (2) $ 9,231   $ 9,231  
  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) $ 415   $ 415  
  10 - 18 (1) $ 1,031   $ 1,031  
  19 - 24 (1) $ 1,031   $ 1,031  
  00 - 24 $ 1,364   $ 1,605  
  25 - 29 $ 1,534   $ 1,767  
  30 - 34  $ 1,599   $ 1,941  
  35 - 39 $ 1,796   $ 2,156  
  40 - 44  $ 2,044   $ 2,604  
  45 - 49 $ 2,279   $ 2,760  
  50 - 54  $ 2,789   $ 3,058  
  55 - 59  $ 3,367   $ 3,556  
  60 - 64 $ 4,957   $ 4,957  
  65 - 69 (2) $ 6,859   $ 6,859  
  70 - 74 (2) $ 6,631   $ 6,631  
  Over 75 (2) $ 7,294   $ 7,294  
  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 $1,218* per Adult, $412* 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 $1,401* per Adult, $563* per Child.

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

Additional Premium of $458* 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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