Standard International Plan

 standard cover

Standard International Plan is a flexible solution to your health insurance needs as an expatriate.

Choose optional benefits such as treatment area limit (TAL discount) and outpatient exclusion to reduce premium or upgrade options such as dental, travel and vision cover to tailor your insurance to match your requirements and budget. 

Please follow the link for a full copy of the Standard International Plan Brochure.

Please follow the link to download the Standard International Plan Application and Physician Examination Report (for applicants over age 65 only).

Please follow the link for a full copy of the Policy Document.

Key Features 

Free Choice of doctors and hospitals | Guaranteed renewability regardless of age, medical condition or location | Flexible geographic cover | Free coverage for recreational sports | Direct payment to hospitals and 24 hour Worldwide Emergency Assistance | Consideration of pre-existing conditions | 14-day Free Look Period. You may return your policy within fourteen days after receipt for full refund of the premiums paid

No Claim Discount

A No Claim Discount will be offered to Insured Persons who are not entitled to Group Discount and have been insured for a period of not less than 12 months. While an Insured Person’s plan remains claims-free at each renewal, the following No Claim Discount will be applied:

No Claim Discount

 

Schedule of Benefits (in USD) Standard Upgrade Plan
Maximum Benefit For Any One Disability and Sequelae US$1,000,000 US$2,000,000
Covers normal, usual and customary charges for:
Inpatient Benefits
Room and Board Semi-Private in E.U Countries, U.K, H.K, N.America, Switzerland or Private in other countries Private
Parent Accommodation - An extra bed in the same room for a parent accompanying an insured child under 12 years old 100% 100%
Intensive Care Unit, Coronary Care Unit and Operating Room 100% 100%
Surgeon's Fee - Includes pre-surgical assessment and normal post-surgical care 100% 100%
Anaesthetist's Fee 100% 100%
Miscellaneous Inpatient Charges - For required diagnostic laboratory tests, x-rays, prescribed medicines; Professional Fees; blood and plasma; wheel chair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company) 100% 100%
Organ Transplant - Fees for kidney, heart, lung, liver or bone marrow transplants (up to 50% for donor and the remaining percentages for recipient, at the option of the Insured Person) to a total of This benefit is a lump sum maximum per organ and no other policy benefits are payable in respect of Organ Transplant US$200,000 US$200,000
HIV / AIDS - Coverage will apply when HIV and/or its related illnesses present for the first time after 5 years continuous coverage under the Policy and any renewal thereof, with lifetime limit of US$100,000 US$100,000
Hospital Cash Benefit - For inpatient treatment received without charge for up to 15 nights US$100 per night US$100 per night
Home Nursing - Immediately after a hospital confinement and certified to be medically necessary by the attending physician for up to 30 days 100% 100%
Rehabilitation - When certified necessary by the attending physician for up to 45 days of inpatient, day case or outpatient treatment starting within 14 days of hospitalization 100% 100%
Oncology - Radiotherapy and chemotherapy (by way of infusion and injection) received as inpatient, day case or outpatient treatment 100% 100%
Hospice Care - For terminal illnesses with lifetime limit of US$10,000 US$10,000
Psychiatric and Mental Disorders - Hospital charges of US$5,000 per year with lifetime limit of US$10,000 US$10,000
Maternity Benefit - Maximum limit per pregnancy after a 12-month waiting period (90 days for miscarriage and therapeutic abortion) up to When both parents are insured, the limit shall be increased by 50% US$5,000 US$5,000
Free New Born Cover - New born child is eligible for the same medical plan as the Insured Person 15 days after the later of the date of birth or the date of discharge on submission of application to the Company until the Insured Person’s next renewal for free Included Included
Emergency Benefits
Emergency Room Treatment 100% 100%
Accidental Damage to Teeth - Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth 100% 100%
Emergency Local Ambulance Service 100% 100%
24-Hour Emergency Assistance Services and Emergency Medical Evacuation Service - Additional Travel Expenses (following Evacuation). One economy class airline ticket to return an Insured Person to the country of residence Included Included
Repatriation of Mortal Remains - Covers costs for repatriation of mortal remains of the Insured Person to home country or country of residence Included Included
Outpatient Benefits
Physician and specialists’ fees for office visits - Physiotherapist and chiropractor when referred by the attending physician; and for required diagnostic laboratory tests, x-rays and prescribed medicines 100% 100%
Alternative Medicines - Fees for visits to homeopath, osteopath, acupuncturist, bonesetter, herbalist and Chinese medicine practitioner; and prescribed herbs up to an annual limit of US$1,500 US$1,500
Additional Benefits
Dental Benefit - 80% reimbursement up to an annual limit of US$2,000 US$2,000
Vision Benefit - 80% reimbursement for eye examinations and prescription lenses annually for each Insured Person (this option is only available to groups of 21 or more people with 100% of the group participating) up to US$500 US$500
Personal Accident Benefit - Covers loss of life, loss of one or both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by an accident. (Maximum benefit is US$100,000 after age 65 and coverage is terminated after age 75. Child benefit limits are US$10,000 to US$50,000) US$100,000 to US$500,000 US$100,000 to US$500,000
Travel Benefit - Covers the following eligible expenses worldwide when travelling outside your country of residence on trips lasting up to 90 days:
Emergency Medical Expenses - Covers illness or injury including “Emergency Evacuation” - (up to US$25,000) with a maximum of US$300 per day for hospital room and board which is doubled when the room fee includes medical service costs and tripled when the room fee also includes all professional services; and “Get You Home Benefit” - Covers the additional cost of your own travel and accommodation necessarily incurred as a result of a covered disability to get you back home. US$35,000 US$35,000
Baggage & Travel Documents - Covers loss and damage of baggage and personal items including laptop computer; and loss of travel documents up to US$750 US$750
Baggage Delay - Covers purchase of essential clothing and toiletries if your checked baggage is delayed on arrival at your destination for over 12 hours up to US$125 US$125
Personal Money - Covers theft, burglary and robbery of cash, bank notes and travellers checks up to US$500 US$500
Hospital Cash Income - Pays US$50 per day for each day you are hospitalized over 24 hours up to US$600 US$600
Travel Delay - Covers transportation expenses incurred as a direct consequence of travel delay resulting from serious weather conditions, industrial action, hijack, mechanical derangement if an Insured Person has to re-route his trip due to cancellation of a prior confirmed booking; or “Cash Allowance” - Pays US$25 for each full 12 hours delay up to a maximum of US$100 US$650 US$650
Curtailment of Trip & Cancellation Charges - Covers irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members or close business partner or travel companion of the Insured Person, witness summons, jury service, compulsory quarantine; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence. US$2,500 US$2,500
Optional Rental Car Protection - Covers loss and damage occurs to a rental car result directly from fire, theft, collision or vandalism. Deductible: US$500. US$10,000 US$10,000
Discount Options
Treatment Area Limit (TAL): when selected by the policyholder in respect of the policy provides coverage in Hong Kong (SAR), Japan, North America and Singapore provided the Insured Person has not been travelling to these locations for more than 30 accumulated days in one policy year. The coverage is for inpatient treatment in the event of an emergency resulting from an accident and/or the onset of an acute disability which the Insured Person had not suffered from or had been symptomatic prior to travelling. 25% Discount 25% Discount
Outpatient Exclusion (excludes outpatient coverage) 25% Discount 25% Discount
20% Co-Payment (you pay 20% and we pay 80% of eligible expenses) 25% Discount 25% Discount