| Area of Cover |
Worldwide excluding USA
(Option to include USA) |
Worldwide excluding USA
(Option to include USA) |
Worldwide excluding USA
(Option to include USA) |
| Maximum Limit per Policy Year |
$2,000,000 |
$2,500,000 |
$3,000,000 |
| Annual Inpatient Deductible |
$1,000
Option: $2,500 / $5,000 /
$7,500 / $10,000 |
Nil
Option: $1,000 / $2,500 /
$5,000 / $7,500 / $10,000 |
Nil
Option: $1,000 / $2,500 /
$5,000 / $7,500 / $10,000 |
| Hospitalisation Benefits |
| Room and Board |
Up to Standard Private Room
(Option for Semi-Private Room Accommodation in Hong Kong) |
|
Parent Accommodation
An extra bed in the same room for a parent accompanying an insured child under 12 years old
|
100% |
| Intensive Care Unit, Coronary Care Unit and Operating Room |
100% |
|
Surgeon's Fee
Includes pre-surgical assessment and normal post-surgical care for each operation
|
100% |
| Anaesthetist's Fee |
100% |
|
Miscellaneous Inpatient Charges
For required diagnostic laboratory tests, diagnostic imaging, prescribed medicines; Professional Fees; blood and plasma; wheelchair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company); and any types of lenses (up to $800) following cataract surgery
|
100% |
|
Pre-hospitalisation Treatment
For consultation, prescribed medicine, and medically necessary basic diagnostic tests by written referral from a Physician prior to a covered Hospitalisation for the same medical condition
|
100%, up to within 30 days prior to an eligible surgical procedure |
100%, up to within 30 days prior to an eligible surgical procedure |
100%, up to within 30 days prior to an eligible surgical procedure |
|
Post-hospitalisation Treatment
For consultation, prescribed medicine, basic diagnostic tests, and physiotherapy ordered by written referral following a covered Hospitalisation for the same medical condition, rendered by the same Attending Physician or Surgeon
|
100% up to 30 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case |
100% up to 60 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case |
100% up to 90 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case |
|
Prescribed Advance Diagnostic Imaging
Medically necessary magnetic resonance imaging (MRI), computerised tomography (CT), and positron emission tomography (PET) scans received in covered inpatient Hospital, day surgery, or outpatient by written referral of a Physician
|
100% |
100% |
100% |
|
Newborn Acute Condition Cover
Inpatient treatment only. Please refer to the terms and conditions
|
N/A |
Up to $100,000
lifetime limit |
Up to $150,000
lifetime limit |
| Congenital and Hereditary Condition |
N/A |
Up to $100,000
lifetime limit |
Up to $100,000
lifetime limit |
|
Organ Transplant
Fees for kidney, heart, lung or liver transplants. This benefit is a lump sum maximum per organ and no other policy benefits such as expenses for regular medical care of consultation, diagnostic tests and long-term medication are payable in respect of Organ Transplant
|
$100,000 |
$300,000 |
100% |
| Donor cost, covered at 50% up to the limits |
Cover 50% up to $50,000 |
Cover 50% up to $75,000 |
Cover 50%, up to $100,000 |
|
Kidney Dialysis
i.Treatment for Kidney Dialysis on an inpatient basis
ii.Treatment for Kidney Dialysis on a day or outpatient basis
|
i. 100%
ii. Up to $50,000
|
i. 100%
ii. Up to $100,000
|
100% |
|
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:
|
$25,000 |
$100,000 |
$150,000 |
|
Hospital Cash Benefit
For inpatient treatment received without charge or received at a public hospital
|
$100 per night,
up to 5 nights |
$100 per night,
up to 15 nights |
$150 per night,
up to 15 nights |
|
Home Nursing
Immediately after a hospital confinement and certified to be medically necessary by the attending physician
|
100%
up to 20 days |
100%
up to 20 days |
100%
up to 30 days |
|
Rehabilitation
When certified necessary by the attending physician for inpatient, day case or outpatient treatment starting within 14 days immediately after the hospitalisation
|
100%
up to 30 days |
100%
up to 45 days |
100%
up to 60 days |
|
Oncology Treatment
Non-surgical treatment of Radiotherapy, Chemotherapy, targeted therapy, immunotherapy, hormonal therapy (by way of infusion, injections or oral medications) and fees for bone marrow transplant and peripheral stem cell transplants when treatment cancer with or without high dose chemotherapy received as inpatient, day case or outpatient treatments
|
100% |
|
Hospice Care
For Terminal Illness with lifetime limit of
|
$25,000 |
$50,000 |
$100,000 |
|
Psychiatric and Mental Disorders
Hospital charges with lifetime limit of
|
$50,000 |
$150,000 |
$200,000 |
| Emergency Benefits |
| Emergency Room Treatment |
100% |
100% |
100% |
| Walk-in Treatment |
$250 |
$300 |
$500 |
|
Accidental Damage of Teeth
Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth
|
100% |
100% |
100% |
| Emergency Local Ambulance Service |
100% |
100% |
100% |
| Emergency Assistance Service |
100% |
100% |
100% |
|
Repatriation of Mortal Remains
Covers costs for repatriation of mortal remains of the Insured Person to home country or country of residence
|
100% |
100% |
100% |
| Outpatient Benefits |
| Annual Maximum Limit |
Nil
($3,000 option) |
Up to $7,000
combined limit |
100% |
General Practitioner and
Specialist consultations |
100% |
| Prescribed Medicines and Drugs |
100% |
Prescribed diagnostic laboratory tests,
basic diagnostic tests |
100% |
| Physiotherapy Treatment |
Up to 5 sessions
per Policy Year |
Up to 10 sessions
per Policy Year |
100%
A referral letter for every 8 sessions |
| Psychiatric Treatment |
N/A |
Up to $1,000 |
Up to $2,500 |
|
Alternative Medicines/Treatment
Fees for visits to chiropractor, homeopath, osteopath, podiatrist, acupuncturist, bonesetter, herbalist and Chinese Medicine Practitioner, and prescribed herbs
|
N/A |
Up to $2,000
combined limit |
100% |
|
Of which Traditional Chinese Medicine Practitioner
|
Maximum 10 sessions
per Policy Year |
Maximum 20 sessions
per Policy Year |
|
Medical Check-up and Vaccination
Annual limit for routine medical check-ups and vaccinations
|
N/A |
$250 |
$350 |
| Optional Benefits |
| Outpatient Cover |
$3,000 option |
N/A |
| Worldwide including USA |
Optional benefit |
|
Dental Care Benefit - Routine Dental
Routine oral examination (Scaling, Polishing and prophylactic treatments), fillings, root canal treatment, extractions, treatment of dental abscesses, gum treatments, X-rays
|
N/A |
$1,000 option |
Dental Care Benefit - Major Dental
Bridges, implants, orthodontic treatment and dental prostheses (dentures resulting from an accident to natural sound teeth only), crowns, inlays (orthodontic dental treatment paid up to 50%)
(8 months waiting period applies)
|
N/A |
$3,000 option |
|
Maternity Benefit
Maximum limit per pregnancy including pre- and post-natal treatment after 12 months waiting period (90 days for miscarriage and therapeutic abortion)
|
N/A |
$5,000 & $10,000 option |
|
Complications of pregnancy
|
100%, up to the selected option limit
|
|
Optical Care Benefit
Eye examination, prescription lenses, glasses & frame
|
N/A |
$300 option |
| Discount Options |
| Annual Inpatient Deductible |
Option: $2,500 / $5,000 /
$7,500 / $10,000 |
Option: $1,000 / $2,500 /
$5,000 / $7,500 / $10,000 |
Option: $1,000 / $2,500 /
$5,000 / $7,500 / $10,000 |
|
Semi-Private Room Accommodation
For treatments received in Hong Kong
|
Optional discount
This option is only available to Insured Persons whose Country of Residence is Hong Kong. |
| High-Cost Country |
Optional discount
This option is available exclusively to Insured Persons whose Country of Residence is within the APAC region, as determined by the Company.
For Hospitalisation Treatment and non-surgical cancer treatment received in Hong Kong or Singapore, the Company will reimburse up to 70% of Eligible Expenses and payable under the Benefit Schedule, with the 30% co-insurance applied first and the annual deductible applied after the co-insurance. This applies regardless of whether the treatment is billed as inpatient, day-patient, or outpatient, provided it meets the definition of Hospitalisation Treatment.
|
