Insurance plans

Pacific Cross Insurance has been a trusted provider of comprehensive insurance solutions for over 75 years, specializing in travel and health insurance across Asia. With a presence in five major Asian regions and a network of over 3,300 hospitals and clinics, Pacific Cross ensures that individuals and businesses have access to quality healthcare services wherever they are.

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International Business Health Insurance

For globally mobile employees, Pacific Cross offers international business health insurance that provides extensive benefits, including:

• Maternity Coverage: Encompassing newborn care, childbirth costs, and complications of pregnancy.

• Cancer Treatment: Access to consultations, diagnostics, chemotherapy, and radiotherapy.

• Hospital Treatment: Coverage for surgeries, hospital stays, and associated costs.

• Outpatient Services: Quick access to diagnostics like MRIs, specialist consultations, and treatments.

• Mental Health Support: Including counseling, cognitive behavioral therapy, psychiatric care, and prescription drugs.

These comprehensive plans are designed to enhance recruitment, retention, and productivity by ensuring employees have access to quality healthcare services.

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Self-Insurance Plans

Recognizing the diverse needs of businesses, Pacific Cross has introduced self-insurance plans that offer:

• Cost Control and Flexibility: Businesses can design custom benefit packages aligning with their budgetary constraints and employee needs, managing healthcare expenses more effectively.

• Customized Coverage Options: Tailored solutions, including comprehensive medical coverage, wellness programs, or specialized benefits such as dental or vision care.

• Transparency and Accountability: Access to real-time data and analytics to track healthcare utilization, identify trends, and make informed decisions about benefit design and cost containment strategies.

• Risk Management and Mitigation: Inclusion of stop-loss coverage to protect against catastrophic claims, ensuring financial stability.

• Employee Engagement and Satisfaction: Personalized benefits that empower employees to take an active role in their healthcare decisions, improving retention and overall productivity.

These self-insurance plans provide businesses with a strategic and cost-effective solution for managing healthcare costs while prioritizing employee well-being.

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Asia-Specific Insurance Plans

Understanding the unique needs of individuals navigating the diverse cultures of Asia, Pacific Cross has introduced new Asia plans offering:

• Comprehensive Coverage: Tailored specifically for the Asian region, covering destinations from bustling cities like Tokyo to tranquil beaches of Bali.

• Tailored Solutions: Focused on both travel and health insurance, including emergency medical evacuation and coverage for pre-existing conditions.

• Seamless Assistance and Support: 24/7 access to a dedicated team of professionals for medical assistance or travel advice.

These plans are designed to provide peace of mind, offering transparent policies, competitive premiums, and unparalleled customer service throughout Asia.

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Insurance for Schools and Group Trips

Pacific Cross also offers specialized insurance solutions for schools and group trips, providing:

• Comprehensive Coverage: Safeguarding school and group trips with coverage for medical expenses, emergency medical evacuation, trip cancellation/interruption, and other travel-related risks.

• Flexibility and Customization: Flexible underwriting and benefit design tailored to the unique requirements of school and group trip organizers.

• Optional Benefits: Including coverage for school sporting activities, school trips (both local and international), and free work permit medicals for school and university employees.

With over 65 years of experience in serving expatriate employees, Pacific Cross ensures that educational institutions and trip organizers have the necessary support to provide a safe and enjoyable experience for all participants.

Commitment to Innovation and Service Excellence

Pacific Cross has embraced technological innovations to enhance service delivery and customer experience. By leveraging digital platforms, the company has made its products more accessible, streamlined claims processing, and improved customer engagement. This commitment to innovation ensures that clients receive efficient and effective service tailored to their needs.

In summary, Pacific Cross offers a diverse range of business solutions designed to meet the unique needs of organizations and individuals across Asia. With comprehensive coverage options, customizable plans, and a commitment to service excellence, Pacific Cross stands as a reliable partner in safeguarding health and well-being.