Global Connections

This option covers pregnancy, childbirth and elective caesarean sections, after the first ten months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition. Mothers have the choice of any hospital they want in the available countries

Pricing:

$4,000 benefit, $696

$10,000 benefit, $957

$25,000 benefit, $957 (10% coinsurance applies)

This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition which manifests after its purchase date from $3,000 to $50,000 per year. HIV/AIDS coverage limited to $10,000.

Under the standard program rules, the initial diagnosis of a chronic condition will be covered up to the maximum program limit. All routine management and palliative medical expenses for the chronic condition will be limited to 3,000 per year after the initial diagnosis. 

Pricing:  $681 per adult and $231 per child.

Note: This option is applied to all dependents on the policy.

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

Pricing: $195 per Adult, $50 per Child.
Note: This option must be applied to all dependents on the policy.

Cancellation & Curtailment: Up to $1,500 for unused travel and accommodation costs, should you have to cancel or cut short your projected journey.

Luggage, Clothing & Personal Effects:  Up to $1,000 for loss of, or stolen to, luggage, clothing and personal effects. $1,000 in respect of loss of a notebook computer and up to $300 for the loss of a camera or musical instrument.

For loss of luggage, we will pay $20 per kilogram of the luggage weight. Documentation of carrier’s rejection of claim for loss of luggage and proof of luggage weight is required when submitting a claim. Our liability for each claim shall be limited to $500.

Personal Money:  Up to $500 for the loss of cash, bank or currency notes, traveler’s cheques, passports, etc., including reasonable expenses incurred as a result of a loss.

Excess: $50 for each claim ($100 in the USA).

Territory:  Worldwide, excluding a member’s Home Country and Normal Country of Residence.

Pricing: $30 per Person

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

This option extends the benefit to provide cover for reasonable travel and accommodation for one insured person (together with any minors) per policy necessarily having to travel to and return from the normal Country of Domicile or Country of Residence when:

• A parent 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 $1,500 towards the cost of travel per period of cover and limited to no more than 2 claims in any 5-year period.
• A near relative has unexpectedly been placed on the critical list following an accident.

This is subject to $3,000 towards the cost of travel per incident.

Pricing:   $384 per policy

1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following Accident

Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.

Pricing:  $212 per adult

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

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 dependents on the policy.

Price:  4% of the individual premium rate for the Alpha policy

Applies to one eye exam and prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames

Pricing: $78 per person.

Must be applied to all dependents on the policy.
Policy excess/deductible does not apply to this benefit. 50% coinsurance inside the USA and 20% coinsurance outside of the USA.

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.

CAP Provides Crisis Support for:
• Natural Disasters
• Political Threats
• Terrorism
• Kidnap
• Ransom

Along with 24/7 live support, the CAP Advantage App delivers real-time travel risk support to help members steer clear of security threats altogether.

Pricing for CAP is $90/year per adult and $75/year for each dependent child.

Travel to the following countries is not covered: Afghanistan, Libya, Iran, North Korea, Russia, Somalia, Sudan, Syria, Ukraine, Venezuela, and Yemen.

CAP does not provide evacuation services to members serving in countries where the member’s passport country advises against all travel, such as US Travel Advisory Level 4 countries for US citizens. If the member’s country does not have a formal travel advisory, the US travel advisory will be used. If the member is in a US Level 4 country (the travel advisory advises against all travel), they can only access the Crisis Response Center (CRC) to get advice on their situation.

*This option lasts for 12 months, and no refund is available in the event of policy cancellation.