WAYS TO SAVE MONEY

n             CHOOSING A HIGHER EXCESS OPTION

The excess is the amount you will have to pay in the event of any claim that you make. 

You can reduce your premiums significantly by choosing a higher excess option.

GLOBAL HEALTH ELITE PLAN - EXCESS OPTIONS

	BRONZE	SILVER	GOLD	PLATINUM
Nil Excess	Base Rate	20% Loading	20% Loading	20% Loading
£30 or $50 or €45	Not available	Base Rate	Base Rate	Base Rate
£60 or $100 or €90	Not available	5% Discount	5% Discount	5% Discount
£250 or $400 or €375	5% Discount	15% Discount	15% Discount	15% Discount
£500 or $800 or €750	10% Discount	20% Discount	20% Discount	20% Discount
£1,000 or $1,600 or €1,500	15% Discount	30% Discount	30% Discount	30% Discount
£3,000 or $5,000 or €4,500	30% Discount	40% Discount	40% Discount	40% Discount
£6,000 or $10,000 or €9,000	50% Discount	50% Discount	50% Discount	50% Discount

GLOBAL HEALTH ESSENTIAL PLAN - EXCESS OPTIONS

	ESSENTIAL CARE	ESSENTIAL CARE PLUS
$50	Base Rate	Base rate
$1,000	10% Discount	20% Discount
$2,500	20% Discount	30% Discount
$5,000	30% Discount	40% Discount

n          FAMILY DISCOUNTS

If you have more than one child, this discount will really save you money.  The premium for the first child you insure will be the full child premium rate.  For the second child you will receive a 25% discount and for the third child onwards you will receive a 50% discount.

n         DISCOUNT FOR ANNUAL PREMIUMS

You will enjoy a 5% discount if you pay your premiums annually.

n       SEMI-PRIVATE ROOM DISCOUNT (ONLY AVAILABLE WITH GLOBAL HEALTH ELITE)

If you live in Hong Kong or Singapore and you pay the Orchid rates, and you are prepared to have your hospital treatment in a semi-private room, you can achieve the following premium discounts:

BRONZE PLAN	8% premium discount
SILVER PLAN	5% premium discount
GOLD PLAN	5% premium discount
PLATINUM PLAN	5% premium discount