Compare our international health insurance plans for businesses
If you’re reading this, you’ve probably decided that you need international health insurance for your employees. Now starts the tricky part: picking the right health plan for them. We’ve put together a comparison table so you can see the different levels of cover your employees have under each plan. As a rule of thumb, Bronze plan gives them the most cost-effective cover, while the Gold plan gives them 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 when you submit your application. Final thing—this table is for our health plans for businesses. The personal health plans are slightly different, so if you’re looking for cover for you and your family, head over to the comparison table for the personal health plans.
| 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 cover for a private room) | Semi-private room (option to upgrade to cover for 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 |
| Road ambulance | Full cover | US$1,600 | Full cover | Full cover |
| Hospital cash benefit | US$150 per night | US$200 per night | US$200 per night | US$350 per night |
| Cancer treatment | ||||
| Cancer treatment | Full cover | Full cover | Full cover | Full cover |
| Cancer genome testing | US$6,000 | US$6,000 | US$6,000 | US$6,000 |
| Cancer benefit upon diagnosis of cancer (6-month waiting period) | No cover | No cover | No cover | US$5,000 (lifetime limit of one claim) |
| 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 | ||||
| Transplant and related treatment | Full cover | Full cover | Full cover | Full cover |
| Donor costs | US$25,000 per transplant | US$25,000 per transplant | US$25,000 per transplant | US$25,000 per transplant |
| Kidney dialysis | ||||
| - | Full cover | Full cover | Full cover | Full cover |
| Reconstructive surgery | ||||
| - | In-patient, day-patient & post-hospital treatment only | Full cover | Full cover | Full cover |
| Congenital conditions or hereditary conditions | ||||
| - | Lifetime limit of US$20,000 (in-patient, day-patient & post-hospital treatment only) | Lifetime limit of US$20,000 | Lifetime limit of US$40,000 | Lifetime limit of US$80,000 |
| Mental health treatment | ||||
| Lifetime limit for mental health treatment | US$50,000 | n/a | US$75,000 | US$100,000 |
| In-patient & day-patient treatment (12-month waiting period) | 30 days | No cover | 30 days | 30 days |
| Out-patient mental health treatment (12-month waiting period) | 10 consultations (in-patient, day-patient & post-hospital treatment only) | No cover | 10 consultations | 10 consultations |
| HIV/AIDS treatment | ||||
| (24-month waiting period) | US$5,000 (in-patient & day-patient treatment only) | US$5,000 | US$75,000 | US$100,000 |
| Medical appliances | ||||
| Medical aids | US$250 per medical condition | No cover | US$500 per medical condition | US$1,000 per medical condition |
| Prosthetic implants | Full cover | Full cover | Full cover | Full cover |
| Prosthetic devices | US$500 per device | US$1,000 per device | US$1,000 per device | US$1,500 per device |
| Out-patient treatment | ||||
| Annual limit for out-patient treatment | No limit | US$5,000 (option to extend up to US$10,000) | No limit | No limit |
| Primary medical care (e.g., doctor visits, specialist consultations, prescribed drugs) | Post-hospital treatment only | US$1,500 (option to extend up to US$3,500) | Full cover | Full cover |
| Emergency ward treatment | Treatment for accidents only | Up to the annual limit for out-patient treatment | Full cover | Full cover |
| Out-patient surgical procedures | Full cover | Up to the annual limit for out-patient treatment | Full cover | Full cover |
| Advanced diagnostic tests | Full cover | Up to the annual limit for out-patient treatment | Full cover | Full cover |
| Complementary treatments | 10 sessions (post-hospital only) | No cover | 10 sessions | 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 | US$50 per session (max. 15 sessions) | US$50 per session (max. 20 sessions) |
| Physiotherapy | US$1,000 (post-hospital treatment only)) | US$250 (up to the annual limit for out-patient treatment) | Full cover | Full cover |
| Chronic conditions | ||||
| Acute flare-ups | In-patient, day-patient & post-hospital treatment only | In-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical care | Full cover | Full cover |
| Monitoring & maintenance | No cover | Up to the benefit limit for primary care | Full cover | Full cover |
| Well-being benefits | ||||
| Preventive health & well-being (6-month waiting period) | No cover | No cover | US$300 (option to extend to US$500) | US$750 (option to extend to US$1,300) |
| Vaccinations for adults | No cover | No cover | US$150 | US$250 |
| Well-child benefit (6-month waiting period) | No cover | No cover | US$200 | US$400 |
| Rehabilitation treatment | ||||
| Rehabilitation treatment you receive as an in-patient | 7 days per medical condition | 7 days per medical condition | 15 days per medical condition | 30 days per medical condition |
| Home nursing costs | ||||
| Medical services of a qualified nurse in your own home | 12 weeks per medical condition | 2 weeks per medical condition | 12 weeks per medical condition | 12 weeks 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 | ||||
| Annual optical test, lenses, frames & contact lenses (upon change of prescription) | 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 | US$5,000 | Full cover | Full cover |
| Emergency restorative treatment received as an out-patient | No cover | No cover | US$500 | US$1,000 |
| Routine dental care (6-month waiting period) | No cover | Option for US$500 cover with a 10% co-insurance | Option for up to US$1,500 cover with a 10% co-insurance | US$1,500 |
| Complex dental care (12-month waiting period) | No cover | No cover | Option for US$1,500 cover with a 10% co-insurance | Option for US$2,000 cover with a 10% co-insurance |
| Maternity costs | ||||
| Routine maternity care & routine care of newborns (12-month waiting period) | No cover | Option for US$5,000 per pregnancy with a 20% co-insurance | Option for up to US$10,000 per pregnancy with a 20% co-insurance | US$15,000 per pregnancy |
| Complications of pregnancy (12-month waiting period) | US$4,800 | US$10,000 | US$15,000 (option to extend to full cover) | Full cover |
| Childbirth necessitating an emergency surgical procedure (12-month waiting period) | No cover | No cover | Option for US$20,000 per pregnancy | Full cover |
| Treatment for congenital conditions or hereditary conditions for newborn babies | No cover | No cover | US$10,000 for in-patient or day-patient treatment received within the first 90 days after birth (option to extend to US$50,000 per pregnancy) | 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 | 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 | US$72 per night | US$50 per night | US$96 per night | US$250 per night |
| Compassionate home visit (12-month waiting period) | Lifetime limit of one claim | No cover | Lifetime limit of one claim | Lifetime limit of one claim |
| Repatriation of mortal remains | Full cover | US$5,000 | Full cover | Full cover |
| Burial or cremation | US$1,600 | US$1,600 | US$1,600 | US$1,600 |
| Medevac Plus | Optional cover | Optional cover | Optional cover | Optional cover |
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|---|---|---|
| Bronze | Silver | Gold |
| US$1,500,000 | US$2,500,000 | US$5,000,000 |
| Semi-private room (option to upgrade to cover for a private room) | Private room | Private room |
| Full cover | Full cover | Full cover |
| Full cover | Full cover | Full cover |
| US$1,600 | Full cover | Full cover |
| US$200 per night | US$200 per night | US$350 per night |
| Full cover | Full cover | Full cover |
| US$6,000 | US$6,000 | US$6,000 |
| No cover | No cover | US$5,000 (lifetime limit of one claim) |
| Lifetime limit of US$150 | Lifetime limit of US$150 | Lifetime limit of US$250 |
| Lifetime limit of US$500 | Lifetime limit of US$500 | Lifetime limit of US$750 |
| Lifetime limit of US$100 | Lifetime limit of US$100 | Lifetime limit of US$250 |
| Full cover | Full cover | Full cover |
| US$25,000 per transplant | US$25,000 per transplant | US$25,000 per transplant |
| Full cover | Full cover | Full cover |
| Full cover | Full cover | Full cover |
| Lifetime limit of US$20,000 | Lifetime limit of US$40,000 | Lifetime limit of US$80,000 |
| n/a | US$75,000 | US$100,000 |
| No cover | 30 days | 30 days |
| No cover | 10 consultations | 10 consultations |
| US$5,000 | US$75,000 | US$100,000 |
| No cover | US$500 per medical condition | US$1,000 per medical condition |
| Full cover | Full cover | Full cover |
| US$1,000 per device | US$1,000 per device | US$1,500 per device |
| US$5,000 (option to extend up to US$10,000) | No limit | No limit |
| US$1,500 (option to extend up to US$3,500) | Full cover | Full cover |
| Up to the annual limit for out-patient treatment | Full cover | Full cover |
| Up to the annual limit for out-patient treatment | Full cover | Full cover |
| Up to the annual limit for out-patient treatment | Full cover | Full cover |
| No cover | 10 sessions | 15 sessions |
| No cover | Up to 12 months from date of diagnosis | Up to 18 months from date of diagnosis |
| No cover | US$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 cover | Full cover |
| In-patient & day-patient treatment, with out-patient treatment covered up to the benefit limit for primary medical care | Full cover | Full cover |
| Up to the benefit limit for primary care | Full cover | Full cover |
| No cover | US$300 (option to extend to US$500) | US$750 (option to extend to US$1,300) |
| No cover | US$150 | US$250 |
| No cover | US$200 | US$400 |
| 7 days per medical condition | 15 days per medical condition | 30 days per medical condition |
| 2 weeks per medical condition | 12 weeks per medical condition | 12 weeks per medical condition |
| US$50,000 | US$50,000 | US$100,000 |
| 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 | 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 | Up to the lifetime limit for lifetime care |
| No cover | Option for cover up to US$200 | Option for cover up to US$200 |
| US$5,000 | Full cover | Full cover |
| No cover | US$500 | US$1,000 |
| Option for US$500 cover with a 10% co-insurance | Option for up to US$1,500 cover with a 10% co-insurance | US$1,500 |
| No cover | Option for US$1,500 cover with a 10% co-insurance | Option for US$2,000 cover with a 10% co-insurance |
| Option for US$5,000 per pregnancy with a 20% co-insurance | Option for up to US$10,000 per pregnancy with a 20% co-insurance | US$15,000 per pregnancy |
| US$10,000 | US$15,000 (option to extend to full cover) | Full cover |
| No cover | Option for US$20,000 per pregnancy | Full cover |
| No cover | US$10,000 for in-patient or day-patient treatment received within the first 90 days after birth (option to extend to US$50,000 per pregnancy) | US$100,000 for in-patient or day-patient treatment received within the first 90 days after birth |
| Full cover | Full cover | Full cover |
| Full cover | Full cover | Full cover |
| Full cover | Full cover | Full cover |
| Full cover | Full cover | Full cover |
| US$50 per night | US$96 per night | US$250 per night |
| No cover | Lifetime limit of one claim | Lifetime limit of one claim |
| US$5,000 | Full cover | Full cover |
| US$1,600 | US$1,600 | US$1,600 |
| Optional cover | Optional cover | Optional cover |
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