Comprehensive International Plan
Comprehensive International Plan is a broad benefit health insurance plan for discerning clients living internationally.
Please follow the link for a full copy of the Comprehensive International Plan Brochure.
Please follow the link to download the Comprehensive International Plan Application and Physician Examination Report (for applicants over age 65 only).
Please follow the link for a full copy of the Policy Document.
Key Features
Free Choice of doctors and hospitals | Guaranteed renewability regardless of age, medical condition or location | Flexible geographic cover | Free coverage for recreational sports | Direct payment to hospitals and 24 hour Worldwide Emergency Assistance | Consideration of pre-existing conditions | 14-day Free Look Period. You may return your policy within fourteen days after receipt for full refund of the premiums paid
No Claim Discount
A No Claim Discount will be offered to Insured Persons who are not entitled to Group Discount and have been insured for a period of not less than 12 months. While an Insured Person’s plan remains claims-free at each renewal, the following No Claim Discount will be applied:
| Schedule of Benefits (in USD) | Comprehensive | Upgrade Plan |
|---|---|---|
| Maximum Limit per Policy Year | US$2,000,000 | US$3,000,000 |
| Covers normal, usual and customary charges for: | ||
| Inpatient Benefits | ||
| Room and Board | Private | Private |
| Parent Accommodation - An extra bed in the same room for a parent accompanying an insured child under 12 years old | 100% | 100% |
| Intensive Care Unit, Coronary Care Unit and Operating Room | 100% | 100% |
| Surgeon’s Fee - Includes pre-surgical assessment and normal post-surgical care | 100% | 100% |
| Anaesthetist’s Fee | 100% | 100% |
| Miscellaneous Inpatient Charges - For required diagnostic laboratory tests, x-rays, prescribed medicines; Professional Fees; blood and plasma; kidney dialysis; wheelchair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company) | 100% | 100% |
| Organ Transplant - Fees for kidney, heart, lung, liver and bone marrow transplants (up to 50% for donor and the remaining percentages for recipient, at the option of the Insured Person) to a total of {n} This benefit is a lump sum maximum per organ and no other policy benefits such as expenses for regular medical care or consultation, diagnostic tests and long-term medication are payable in respect of Organ Transplant | US$300,000 | US$300,000 |
| HIV / AIDS - Coverage will apply when HIV and/or its related illnesses present for the first time after 5 years continuous coverage under the Policy and any renewal thereof, with lifetime limit of | US$100,000 | US$100,00 |
| Hospital Cash Benefit - For inpatient treatment received without charge for up to 15 nights | US$150 per night | US$150 per night |
| Home Nursing - Immediately after a hospital confinement and certified to be medically necessary by the attending physician for up to 45 days | 100% | 100% |
| Rehabilitation - When certified necessary by the attending physician for up to 45 days of inpatient, day case or outpatient treatment starting within 14 days immediately after the hospitalization | 100% | 100% |
| Oncology - Radiotherapy, Chemotherapy, targeted therapy, immunotherapy and hormonal therapy (by way of infusion, injection or oral medications) received as inpatient, day case or outpatient treatments subject to a maximum limit of US$5,000 for oral medications | 100% | 100% |
| Hospice Care - For terminal illnesses with lifetime limit of | US$50,000 | US$50,000 |
| Psychiatric and Mental Disorders - Hospital charges of US$100,000 per year with lifetime limit of | US$250,000 | US$250,000 |
| Medical Check-up and Vaccinations - Annual limit for routine medical check-ups and vaccinations | US$500 | US$500 |
| Maternity Benefit - Maximum limit per pregnancy after a 12-month waiting period (90 days for miscarriage and therapeutic abortion) up to When both parents are insured, the limit shall be increased by 50% | US$7,500 | US$7,500 |
| Free New Born Cover - New born child is eligible for the same medical plan as the Insured Person 15 days after the later of the date of birth or the date of discharge on submission of application to the Company until the Insured Person’s next renewal for free. | Included | Included |
| Emergency Benefits | ||
| Emergency Room Treatment | 100% | 100% |
| Accidental Damage to Teeth - Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth | 100% | 100% |
| Emergency Local Ambulance Service | 100% | 100% |
| Emergency Assistance Services | Included | Included |
| Repatriation of Mortal Remains -Covers costs for repatriation of mortal remains of the Insured Person to home country or country of residence | Included | Included |
| Outpatient Benefits | ||
| Physician and specialists’ fees for office visits - Physiotherapist and chiropractor when referred by the attending physician; and for required diagnostic laboratory tests, x-rays and prescribed medicines. | 100% | 100% |
| Alternative Medicines - Fees for visits to homeopath, osteopath, podiatrist, acupuncturist, bonesetter, herbalist and Chinese medicine practitioner; and prescribed herbs up to an annual limit of | US$1,500 | US$1,500 |
| Comprehensive Benefits | ||
| Dental Benefit - 80% reimbursement up to an annual limit of | US$2,000 | US$2,000 |
| Vision Benefit - 80% reimbursement for eye examinations and prescription lenses annually for each Insured Person up to | US$500 | US$500 |
| Personal Accident Benefit -Covers loss of life, loss of one or both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by an accident. {n}(Maximum benefit is US$100,000 after age 65 and coverage is terminated after age 80. Child benefit limit is 10% of the sum insured of his parent/guardian subject to the maximum of US$50,000) | US$100,00 for an adult / US$10,000 for a child For Class I Occupation (Very Light Occupational Hazards) | US$100,00 for an adult / US$10,000 for a child For Class I Occupation (Very Light Occupational Hazards) |
| Travel Benefit - Covers the following eligible expenses worldwide when travelling outside your country of residence on trips lasting up to 90 days: | Included | Included |
| Emergency Medical Expenses - covers illness or injury including “Emergency Evacuation” - (up to US$25,000) with a maximum of US$300 per day for hospital room and board if the hospital expense is on per diem basis, a daily reimbursement of all charges inclusive of room and board and professional services is limited to US$1,000 if no detailed breakdown of charges is provided; and {n}“Medical Repatriation” – covers the additional cost of your own travel necessarily incurred as a result of a covered disability to get you back home following Emergency Evacuation. | US$35,000 | US$35,000 |
| Baggage & Travel Documents - Covers loss and damage of baggage and personal items including laptop computer; and loss of travel documents up to | US$750 | US$750 |
| Baggage Delay - Covers purchase of essential clothing and toiletries if your checked baggage is delayed on arrival at your destination for over 12 hours up to | US$125 | US$125 |
| Personal Money - Covers theft, burglary and robbery of cash, bank notes and travellers checks up to | US$500 | US$500 |
| Hospital Cash Income - Pays US$50 per day for each day you are hospitalized over 24 hours up to | US$600 | US$600 |
| Travel Delay - Covers transportation expenses incurred as a direct consequence of travel delay resulting from serious weather conditions, natural disasters (earthquake, flood, hurricane, tornado, tsunami, etc.), industrial action, hijack, mechanical derangement if an Insured Person has to re-route his trip due to cancellation of a prior confirmed booking; or {n}“Cash Allowance” - pays US$25 for each full 6 hours delay up to a maximum of US$100 | US$650 | US$650 |
| Curtailment of Trip & Cancellation Charges - Covers irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, immediate family members or close business partner or travel companion of the Insured Person, witness summons, jury service, compulsory quarantine; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence. | US$2,500 | US$2,500 |
| Optional Rental Car Protection - Covers loss and damage which occurs to a rental car result directly from fire, theft, collision or vandalism. Deductible: US$500. | US$10,000 | US$10,000 |
| Discount Options | ||
| Treatment Area Limit (TAL): when selected by the policyholder in respect of the policy provides coverage in Hong Kong (SAR), Japan, North America and Singapore provided the Insured Person has not been travelling to these locations for more than 30 accumulated days in one policy year. The coverage is for inpatient treatment in the event of an emergency resulting from an accident and/or the onset of an acute disability which the Insured Person had not suffered from or had been symptomatic prior to travelling. | 20% Discount | 20% Discount |
| 20% Co-Pay Option (you pay 20% and we pay 80% of eligible expenses) | 20% Discount | 20% Discount |