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Understanding health insurance
Compare our health plans
If you’re reading this, you’ve probably decided that you need international health insurance for you, your family, or your business. Now starts the tricky part: picking the right health plan. We’ve put together a comparison table so you can see the different levels of cover you have under each plan.
Just to let you know—you won’t find complete information for the plans in this comparison table, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find these in the plan agreements, which we suggest you read alongside this table. The information below is accurate for health plans starting between 01 January 2023 and 31 December 2023. All the benefits in this table are per member per period of cover, unless we state otherwise. We’ve stated the benefit limits in US dollars, though other currencies are available. Some of the benefits below are optional, and you can add them to your plan on the online quote tool. There are some optional benefits that are only available on plans for businesses. We’ve indicated where this is the case.
Bronze
SilverLite
Silver
Gold
Annual benefit limit
US$1,500,000
US$1,500,000
US$2,500,000
US$5,000,000
Hospital costs
Hospital accommodation
Semi-private room (option to upgrade to a private room)
Semi-private room (option to upgrade to a private room)
Private room
Private room
Hospital treatment
Full cover
Full cover
Full cover
Full cover
Parent accommodation
Full cover
Full cover
Full cover
Full cover
Local ambulance
Full cover
Up to US$1,600
Full cover
Full cover
Hospital cash benefit
Up to US$150 per night (maximum of 60 nights)
Up to US$200 per night (maximum of 60 nights)
Up to US$200 per night (maximum of 60 nights)
Up to US$350 per night (maximum of 60 nights)
Advanced diagnostic tests
Full cover
Full cover
Full cover
Full cover
Cancer treatment
Cancer treatment
Full cover
Full cover
Full cover
Full cover
Cancer genome tests
Full cover
Full cover
Full cover
Full cover
Cash benefit upon diagnosis of cancer1
No cover
No cover
No cover
US$5,0002
Wigs
Lifetime limit of US$150
Lifetime limit of US$150
Lifetime limit of US$150
Lifetime limit of US$250
Counselling
Lifetime limit of US$500
Lifetime limit of US$500
Lifetime limit of US$500
Lifetime limit of US$750
Dietitian
Lifetime limit of US$100
Lifetime limit of US$100
Lifetime limit of US$100
Lifetime limit of US$250
Organ, bone marrow or tissue transplants
Transplants and related treatment
Full cover
Full cover
Full cover
Full cover
Donor costs (per transplant)
Up to US$25,000
Up to US$25,000
Up to US$25,000
Up to US$25,000
Kidney dialysis
Kidney dialysis
Full cover
Full cover
Full cover
Full cover
Reconstructive surgery
Reconstructive surgery
Cover for in-patient, day-patient & post-hospital treatment only
Full cover
Full cover
Full cover
Congenital or hereditary conditions
Treatment for congenital and hereditary conditions
Up to US$50,000 for in-patient, day-patient & post-hospital treatment only
Up to US$60,000
Up to US$80,000
Up to US$100,000
Mental health treatment
Lifetime limit for mental health treatment
US$50,000
No cover
US$75,000
US$100,000
In-patient & day-patient mental health treatment3
Up to 30 days
No cover
Cover up to the lifetime limit for mental health treatment
Cover up to the lifetime limit for mental health treatment
Out-patient mental health treatment3
Up to 10 consultations (in-patient, day-patient & post-hospital treatment only)
No cover
Up to 10 consultations
Up to 10 consultations
Out-patient mental health medication3
Up to US$500 for in-patient, day-patient & post-hospital treatment only, with a 20% co-insurance
No cover
Up to US$500, with a 20% co-insurance
Up to US$500, with a 20% co-insurance
HIV/AIDS treatment
HIV/AIDS treatment4
Up to US$5,000 for in-patient & day-patient only
Up to US$5,000
Up to US$75,000
Up to US$100,000
Medical appliances
Medical aids
Up to US$250 per medical condition
No cover
Up to US$500 per medical condition
Up to US$1,000 per medical condition
Prosthetic implants
Full cover
Full cover
Full cover
Full cover
Prosthetic devices
Up to US$500 per device
Up to US$1,000 per device
Up to US$1,000 per device
Up to US$1,500 per device
Out-patient treatment
Annual limit for out-patient treatment
No limit
US$5,000 (option to extend to US$7,500 or US$10,000)
No limit
No limit
Primary medical care
Post-hospital treatment only
US$1,500 (option to extend to US$2,500 or US$3,500)
Full cover
Full cover
Emergency ward treatment
Essential & immediate treatment following an accident
Up to the annual limit for out-patient treatment
Full cover
Full cover
Complementary treatments
Up to 10 sessions (post-hospital treatment only)
No cover
Up to 10 sessions
Up to 15 sessions
Hormone replacement therapy
No cover
No cover
Up to 12 months from date of diagnosis
Up to 18 months from date of diagnosis
Traditional Chinese medicine
No cover
No cover
Up to US$50 per session (maximum of 15 sessions)
Up to US$50 per session (maximum of 20 sessions)
Physiotherapy
Up to US$1,000 (post-hospital treatment only)
Up to US$250, subject to the annual limit for out-patient treatment
Full cover
Full cover
Chronic conditions
Acute flare-ups
Cover for In-patient, day-patient & post-hospital treatment only
Cover for in-patient & day-patient treatment, with out-patient treatment subject to the benefit limit for primary medical care
Full cover
Full cover
Monitoring & maintenance
No cover
Up to the benefit limit for primary medical care
Full cover
Full cover
Well-being benefits
Preventive health & well-being5
No cover
No cover
Up to US$300 (option to extend cover to US$500)
Up to US$750 (option to extend cover to US$1,300)
Vaccinations for adults
No cover
No cover
Up to US$150
Up to US$250
Well-child benefit5
No cover
No cover
Up to US$200
Up to US$400
Rehabilitation treatment
In-patient treatment
Up to US$2,000
Up to US$2,000
Up to US$4,000
Up to US$6,000
Home nursing costs
Medical services of a qualified nurse in your own home
Up to US$5,000 per medical condition
Up to US$8,000 per medical condition
Up to US$12,000 per medical condition
Up to US$15,000 per medical condition
Lifetime care
Lifetime limit for all lifetime care
US$25,000
US$50,000
US$50,000
US$100,000
Hospice & palliative care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Artificial life maintenance
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Persistent vegetative state & neurological damage
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime care
Optical care (plans for businesses only)
Cover for an annual optical test and lenses and frames
No cover
No cover
Option for cover up to US$200
Option for cover up to US$200
Dental costs
Emergency restorative treatment received as an in-patient
Full cover
Up to US$5,000
Full cover
Full cover
Emergency restorative treatment received as an out-patient
No cover
No cover
Up to US$500
Up to US$1,000
Routine dental care (Dental Basic)5
No cover
Option for cover up to US$500, with a 20% co-insurance
(10% co-insurance on plans for businesses)
Option for cover up to US$1,000, with a 20% co-insurance (10% co-insurance on plans for businesses)
On plans for businesses, a further option for cover up to US$1,500, with a 10% co-insurance
On plans for businesses, a further option for cover up to US$1,500, with a 10% co-insurance
Up to US$1,500
Complex dental care (Dental Plus)6
No cover
No cover
Option for cover up to US$1,500 with a 20% co-insurance
(10% co-insurance on plans for businesses)
Option for cover up to US$2,000 with a 20% co-insurance
(10% co-insurance on plans for businesses)
Maternity costs
Routine maternity care & routine care of newborns3
No cover
Option for cover up to US$5,000, with a 20% co-insurance (plans for businesses only)
Options for cover up to US$10,000, with a 20% co-insurance (plans for businesses only)
Up to US$18,500 per pregnancy
Complications of pregnancy3
Up to US$4,800
Up to US$10,000
Up to US$15,000 (option to extend to full cover on plans for businesses)
Full cover
Childbirth necessitating an emergency surgical procedure3
No cover
No cover
Option to add cover up to US$20,000 on plans for businesses
Full cover
Treatment for congenital conditions or hereditary conditions for newborn babies
No cover
No cover
Up to US$10,000 for in-patient or day-patient treatment received within the first 90 days after birth (option to extend cover up to US$50,000 on plans for businesses)
Up to US$100,000 for in-patient or day-patient treatment received within the first 90 days after birth
Expat benefits
24-hour medical assistance helpline
Full cover
Full cover
Full cover
Full cover
Emergency medical evacuation (Medevac Basic)
Full cover
Full cover
Full cover
Full cover
Return airfare
Full cover
Full cover
Full cover
Full cover
Travel expenses of a companion
Full cover
Full cover
Full cover
Full cover
Accommodation expenses of a companion
Up to US$75 per night
Up to US$100 per night
Up to US$150 per night
Up to US$250 per night
Compassionate home visit3
Lifetime limit of one claim
No cover
Lifetime limit of one claim
Lifetime limit of one claim
Repatriation of mortal remains
Full cover
Up to US$5,000
Full cover
Full cover
Burial or cremation
Up to US$1,600
Up to US$1,600
Up to US$1,600
Up to US$1,600
Medevac Plus
Optional
Optional
Optional
Optional
Accidental death benefit
Accidental death benefit paid to your beneficiary
No cover
No cover
No cover
US$15,000
1 – 6-month waiting period. 2 – Lifetime limit of one claim. 3 – 12-month waiting period. 4 – 24-month waiting period. 5 – 6-month waiting period. 6 – 10-month waiting period.
