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Compare Our Personal Health Plans

If you’re reading this, you’ve probably decided that you need international health insurance for you or your family. 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. As a rule of thumb, Bronze plan gives you the most cost-effective cover, while the Gold plan gives you the most comprehensive cover.

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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. 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. Final thing–this table is for our personal health plans. The health plans for businesses are slightly different, so if you’re an employer, head over to the comparison table for the employee health plans.

BronzeSilverLiteSilverGold
Annual benefit limitUS$1,500,000US$1,500,000US$2,500,000US$5,000,000
Hospital costs
Hospital accommodationSemi-private room (option to upgrade to cover for a private room)Semi-private room (option to upgrade to cover for a private room)Private roomPrivate room
Hospital treatmentFull coverFull coverFull coverFull cover
Parent accommodationFull coverFull coverFull coverFull cover
Road ambulanceFull coverUS$1,600Full coverFull cover
Hospital cash benefitUS$150 per nightUS$200 per nightUS$200 per nightUS$350 per night
Cancer treatment
Cancer treatmentFull coverFull coverFull coverFull cover
Cancer genome testingUS$6,000US$6,000US$6,000US$6,000
Cancer benefit upon diagnosis of cancer (6-month waiting period)No coverNo coverNo coverUS$5,000 (lifetime limit of one claim)
WigsLifetime limit of US$150Lifetime limit of US$150Lifetime limit of US$150Lifetime limit of US$250
CounsellingLifetime limit of US$500Lifetime limit of US$500Lifetime limit of US$500Lifetime limit of US$750
DietitianLifetime limit of US$100Lifetime limit of US$100Lifetime limit of US$100Lifetime limit of US$250
Organ, bone marrow or tissue transplants
Transplant and related treatmentFull coverFull coverFull coverFull cover
Donor costsUS$25,000 per transplantUS$25,000 per transplantUS$25,000 per transplantUS$25,000 per transplant
Kidney dialysis
-Full coverFull coverFull coverFull cover
Reconstructive surgery
-In-patient, day-patient & post-hospital treatment onlyFull coverFull coverFull cover
Congenital conditions or hereditary conditions
-Lifetime limit of US$20,000 (in-patient, day-patient & post-hospital treatment only)Lifetime limit of US$20,000Lifetime limit of US$40,000Lifetime limit of US$80,000
Mental health treatment
Lifetime limit for mental health treatmentUS$50,000n/aUS$75,000US$100,000
In-patient & day-patient treatment (12-month waiting period)30 daysNo cover30 days30 days
Out-patient mental health treatment (12-month waiting period)10 consultations (in-patient, day-patient & post-hospital treatment only)No cover10 consultations10 consultations
HIV/AIDS treatment
(24-month waiting period)US$5,000 (in-patient & day-patient treatment only)US$5,000US$75,000US$100,000
Medical appliances
Medical aidsUS$250 per medical conditionNo coverUS$500 per medical conditionUS$1,000 per medical condition
Prosthetic implantsFull coverFull coverFull coverFull cover
Prosthetic devicesUS$500 per deviceUS$1,000 per deviceUS$1,000 per deviceUS$1,500 per device
Out-patient treatment
Annual limit for out-patient treatmentNo limitUS$5,000 (option to extend up to US$10,000)No limitNo limit
Primary medical care (e.g., doctor visits, specialist consultations, prescribed drugs)Post-hospital treatment onlyUS$1,500 (option to extend up to US$3,500)Full coverFull cover
Emergency ward treatmentTreatment for accidents onlyUp to the annual limit for out-patient treatmentFull coverFull cover
Out-patient surgical proceduresFull coverUp to the annual limit for out-patient treatmentFull coverFull cover
Advanced diagnostic testsFull coverUp to the annual limit for out-patient treatmentFull coverFull cover
Complementary treatments10 sessions (post-hospital only)No cover10 sessions15 sessions
Hormone replacement therapyNo coverNo coverUp to 12 months from date of diagnosisUp to 18 months from date of diagnosis
Traditional Chinese medicineNo coverNo coverUS$50 per session (max. 15 sessions)US$50 per session (max. 20 sessions)
PhysiotherapyUS$1,000 (post-hospital treatment only))US$250 (up to the annual limit for out-patient treatment)Full coverFull cover
Chronic conditions
Acute flare-upsIn-patient, day-patient & post-hospital treatment onlyIn-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical careFull coverFull cover
Monitoring & maintenanceNo coverUp to the benefit limit for primary careFull coverFull cover
Well-being benefits
Preventive health & well-being (6-month waiting period)No coverNo coverUS$300 (option to extend to US$500)US$750 (option to extend to US$1,300)
Vaccinations for adultsNo coverNo coverUS$150US$250
Well-child benefit (6-month waiting period)No coverNo coverUS$200US$400
Rehabilitation treatment
Rehabilitation treatment you receive as an in-patient7 days per medical condition7 days per medical condition15 days per medical condition30 days per medical condition
Home nursing costs
Medical services of a qualified nurse in your own home12 weeks per medical condition2 weeks per medical condition12 weeks per medical condition12 weeks per medical condition
Lifetime care
Lifetime limit for all lifetime careUS$25,000US$50,000US$50,000US$100,000
Hospice & palliative careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
Artificial life maintenanceUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
Persistent vegetative state & neurological damageUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
Dental costs
Emergency restorative treatment received as an in-patientFull coverUS$5,000Full coverFull cover
Emergency restorative treatment received as an out-patientNo coverNo coverUS$500US$1,000
Routine dental care (6-month waiting period)No coverOption for US$500 cover with a 20% co-insuranceOption for US$1,000 cover with a 20% co-insuranceUS$1,500
Complex dental care (12-month waiting period)No coverNo coverOption for US$1,500 cover with a 20% co-insuranceOption for US$2,000 cover with a 20% co-insurance
Maternity costs
Routine maternity care & routine care of newborns (12-month waiting period)No coverNo coverNo coverUS$15,000 per pregnancy
Complications of pregnancy (12-month waiting period)US$4,800US$10,000US$15,000Full cover
Childbirth necessitating an emergency surgical procedure (12-month waiting period)No coverNo coverNo coverFull cover
Treatment for congenital conditions or hereditary conditions for newborn babiesNo coverNo coverUS$10,000 for in-patient or day-patient treatment received within the first 90 days after birthUS$100,000 for in-patient or day-patient treatment received within the first 90 days after birth
Expat benefits
24-hour medical assistance helplineFull coverFull coverFull coverFull cover
Emergency medical evacuationFull coverFull coverFull coverFull cover
Return airfareFull coverFull coverFull coverFull cover
Travel expenses of a companionFull coverFull coverFull coverFull cover
Accommodation expenses of a companionUS$72 per nightUS$50 per nightUS$96 per nightUS$250 per night
Compassionate home visit (12-month waiting period)Lifetime limit of one claimNo coverLifetime limit of one claimLifetime limit of one claim
Repatriation of mortal remainsFull coverUS$5,000Full coverFull cover
Burial or cremationUS$1,600US$1,600US$1,600US$1,600
Medevac PlusOptional coverOptional coverOptional coverOptional cover

BronzeSilverGold
US$1,500,000US$2,500,000US$5,000,000
Semi-private room (option to upgrade to cover for a private room)Private roomPrivate room
Full coverFull coverFull cover
Full coverFull coverFull cover
US$1,600Full coverFull cover
US$200 per nightUS$200 per nightUS$350 per night
Full coverFull coverFull cover
US$6,000US$6,000US$6,000
No coverNo coverUS$5,000 (lifetime limit of one claim)
Lifetime limit of US$150Lifetime limit of US$150Lifetime limit of US$250
Lifetime limit of US$500Lifetime limit of US$500Lifetime limit of US$750
Lifetime limit of US$100Lifetime limit of US$100Lifetime limit of US$250
Full coverFull coverFull cover
US$25,000 per transplantUS$25,000 per transplantUS$25,000 per transplant
Full coverFull coverFull cover
Full coverFull coverFull cover
Lifetime limit of US$20,000Lifetime limit of US$40,000Lifetime limit of US$80,000
n/aUS$75,000US$100,000
No cover30 days30 days
No cover10 consultations10 consultations
US$5,000US$75,000US$100,000
No coverUS$500 per medical conditionUS$1,000 per medical condition
Full coverFull coverFull cover
US$1,000 per deviceUS$1,000 per deviceUS$1,500 per device
US$5,000 (option to extend up to US$10,000)No limitNo limit
US$1,500 (option to extend up to US$3,500)Full coverFull cover
Up to the annual limit for out-patient treatmentFull coverFull cover
Up to the annual limit for out-patient treatmentFull coverFull cover
Up to the annual limit for out-patient treatmentFull coverFull cover
No cover10 sessions15 sessions
No coverUp to 12 months from date of diagnosisUp to 18 months from date of diagnosis
No coverUS$50 per session (max. 15 sessions)US$50 per session (max. 20 sessions)
US$250 (up to the annual limit for out-patient treatment)Full coverFull cover
In-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical careFull coverFull cover
Up to the benefit limit for primary careFull coverFull cover
No coverUS$300 (option to extend to US$500)US$750 (option to extend to US$1,300)
No coverUS$150US$250
No coverUS$200US$400
7 days per medical condition15 days per medical condition30 days per medical condition
2 weeks per medical condition12 weeks per medical condition12 weeks per medical condition
US$50,000US$50,000US$100,000
Up to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
Up to the lifetime limit for lifetime careUp to the lifetime limit for lifetime careUp to the lifetime limit for lifetime care
US$5,000Full coverFull cover
No coverUS$500US$1,000
Option for US$500 cover with a 20% co-insuranceOption for US$1,000 cover with a 20% co-insuranceUS$1,500
No coverOption for US$1,500 cover with a 20% co-insuranceOption for US$2,000 cover with a 20% co-insurance
No coverNo coverUS$15,000 per pregnancy
US$10,000US$15,000Full cover
No coverNo coverFull cover
No coverUS$10,000 for in-patient or day-patient treatment received within the first 90 days after birthUS$100,000 for in-patient or day-patient treatment received within the first 90 days after birth
Full coverFull coverFull cover
Full coverFull coverFull cover
Full coverFull coverFull cover
Full coverFull coverFull cover
US$50 per nightUS$96 per nightUS$250 per night
No coverLifetime limit of one claimLifetime limit of one claim
US$5,000Full coverFull cover
US$1,600US$1,600US$1,600
Optional coverOptional coverOptional cover

We mean different things to different people.


We mean a better healthcare experience for people living & working abroad. We mean financial security for people with futures to safeguard. We mean healthy & happy staff for international businesses. We mean progressive thinking for insurance partners. But one thing everyone knows us by is the way we work. By putting our members at the heart of everything we do, we’re creating an insurance experience that’s personal, sustainable & transparent. That’s why we’re the insurance partner of choice for people living & working abroad.
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