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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 |