The Gold Plan

Our Gold plan offers the most comprehensive cover and a wealth of health benefits. It’s a great option for people looking to start a family or anyone looking for the highest level of cover.

You have all the essential health benefits available on the Silver plan, including a private room as standard if you’re admitted to hospital, plus cover for dental care and maternity costs, and a cash benefit upon diagnosis of cancer.

• Annual benefit limit US$5m
• Hospital costs
• Cancer treatment
• Mental health treatment
• Trips to the doctor
• Pregnancy & childbirth
• Medical evacuations

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• Private accommodation
• Pre-admission tests
• Your accommodation costs
• Surgeon, anesthetist & doctor’s fees
• Nursing care
• Drugs & surgical dressings
• Operating theatre charges
• Intensive care
• Pathology, X-rays, scans & diagnostic tests
• Physiotherapy

When people think of health insurance, they tend to think about hospital and hospital treatment.

Some insurance providers have their own network of hospitals, which means you can only use the hospitals permitted by your provider.

We don’t place any such restrictions on where you receive your medical treatment.

This means you’ll always have access to the top-rated hospitals and medical clinics within your area of cover.

• Tests, scans, and cancer drugs
• Chemotherapy
• Radiotherapy
• Immunotherapy
• Genome testing
• Consultations (both as an out-patient and an in-patient)
• Restorative dental treatment following chemotherapy or radiotherapy
• Reconstructive surgery to restore your appearance (that you receive in the 90-day period following your discharge from hospital)

Cancer can affect you anywhere, at any time. We’re committed to providing the strongest benefits to give you the best chance of overcoming cancer.

We’ll also cover you for cancer genome testing, which sequences the genes of your cancerous cells to help determine the best course of treatment for you.

Finally, cancer is a condition that patients must often learn to live with. So we give you benefits for wigs following chemotherapy, counselling with a psychologist, and consultations with a dietitian.

• In-patient and day-patient treatment
• Specialist mental health consultations
• Specialist mental health medication prescribed by a doctor

There is no telling how the experience of moving to or living in another country can affect someone.

Expats are at a higher risk of experiencing mental health issues than people living in their home country. That’s why the Gold plan covers your mental health as well as your physical health.

• Doctor visits & specialist consultations
• Prescribed drugs and dressings
• Diagnostic tests (X-rays, MRI scans, CAT scans)
• Emergency treatment you receive in the emergency ward of a hospital
• Physiotherapy
• Well-being and preventative care
• Chronic condition management

International health insurance isn’t just for serious health issues.

What about when you just want to pop to the local doctor’s surgery or the pharmacy?

The Gold plan covers you for everyday medical costs, including checks such as blood pressure, diabetes, hearing tests and routine vaccinations.

Hormone replacement therapy and traditional Chinese medicine are also covered on the Gold plan.

• Routine maternity care and routine care of newborns
• Childbirth necessitating an emergency surgical procedure
• Complications of pregnancy
• Treatment for congenital conditions or hereditary conditions for newborn babies
• Routine maternity care and routine care of newborns

Our Gold plan offers routine maternity care as standard, making sure both mother and baby are looked after before, during and after childbirth.

We hope that your pregnancy runs smoothly and that you and your baby are healthy all the way through. If there is a medical condition that arises because of your pregnancy – either during or afterwards – we’ll normally cover in-patient or day-patient admissions in full.

• Emergency medical evacuation
• Access to a 24-hour medical assistance helpline
• Return airfare to your country of residence following your evacuation
• Travel & accommodation expenses of a companion while you’re hospitalised following your emergency

If you have a medical emergency and the treatment that you urgently need isn’t available locally then we will arrange emergency medical evacuation.

We’ll evacuate you by road, sea or air if you suffer a life-threatening or limb-threatening condition that requires an immediate hospital treatment that is not possible locally.

Looking for more dental cover? If you’ve purchased Dental Basic, you can extend this cover to Dental Plus.

This provides you with extra cover for dentures, denture repair, dental bridges, crowns, inlays, onlays and dental implants.

We encourage our members to take charge of their own health and welfare.

The Gold plans comes with well-being benefits as standard, you can can boost your benefit limit from US$750 to US$1,300, giving you additional cover for preventive health screens and check ups (subject to a 6-month waiting period).

Emergency medical evacuation is a vital part of any expat’s medical coverage. Adding Medevac Plus gives you greater peace of mind for your life abroad.

Additional benefits include a lower threshold for evacuation for cancer tests and treatment that cannot be provided locally, advanced repatriation to your country of residence if within your area of cover and additional costs for a companion to ensure you have a loved one with you for support.

Adding the optional personal accident plan cover is a great way to increase the cover provided by your health plan without breaking the bank.

With the personal accident plan, we’ll pay you a cash lump-sum benefit if an accident results in your death, loss of sight, loss of limb or your permanent and total disablement within 2 years of the accident.