TRAVEL INSURANCE
HEALTH INSURANCE

Major Medical

Inpatient only plan with a yearly deductible
Done
Free choice of doctors and hospitals, empowering policyholders to access preferred medical care confidently.
Done
Coverage for recreational sports, direct payment to hospitals + 24-hour worldwide emergency assistance.
Done
Guaranteed renewability regardless of age, medical condition, or location.
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Why choose Pacific Cross?

Over 54 years

With our original insurance company founded in 1971, we offer vast experience in insuring people.
About us

24/7 emergency assistance

Through our global partner network, we offer worldwide medical emergency assistance.
Our network
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Overview of our Travel Insurance

The ability to freely choose healthcare providers and facilities is yours!

You can confidently access your preferred medical care and make informed decisions about your health.

You'll be covered wherever you are with the convenience of direct payments to hospitals for round-the-clock worldwide emergencies,

We guarantee renewability irrespective of your age, medical status, or geographic location to maintain uninterrupted coverage.

Your peace of mind is our commitment.

Freedom & flexibility

Our Major Medical Plan emphasizes free choice of doctors and hospitals, empowering policyholders to access preferred medical care confidently. With this flexibility, individuals receive treatment from trusted professionals and institutions, enhancing their healthcare experience significantly.

Our major medical plan also includes free coverage for recreational sports, promoting an active lifestyle and comprehensive protection against potential injuries. With direct payment to hospitals and 24-hour worldwide emergency assistance, it ensures seamless access to medical services and support. Moreover, consideration of declared pre-existing conditions highlights its inclusivity and commitment to addressing specific healthcare needs, enhancing its value to a wide range of individuals.

Guaranteed renewability

The plan ensures guaranteed renewability regardless of age, medical condition, or location, offering policyholders peace of mind. Its flexible geographic coverage further expands access to quality healthcare services locally and abroad, catering to diverse needs effectively.

Guaranteed renewability, a core tenet of healthcare policy, extends a crucial lifeline to individuals, promising the continuity of coverage regardless of age, existing medical conditions, or geographical constraints. This provision not only safeguards individuals against the uncertainties of health but also fosters a profound sense of security and assurance in their healthcare journey.

Trusted insurance partner

Pacific Cross goes beyond mere assurances by providing tailored solutions that cater to the specific requirements of each demographic. Whether it's addressing age-related concerns, managing pre-existing conditions, or accommodating policyholders across various locations in Asia, Pacific Cross's offerings are designed to adapt and evolve alongside their clients' changing circumstances.

By emphasizing guaranteed renewability and tailoring their plans to suit the needs of Asians, expatriates, tourists to Asia, and families, Pacific Cross not only ensures continuous coverage but also cultivates a sense of empowerment among policyholders. Knowing that their healthcare needs are secure, individuals and families are better equipped to pursue their goals, explore opportunities, and embrace life's adventures with confidence, knowing that Pacific Cross is there to support them every step of the way.

Major Medical Plan

Comparison

Plan A
Plan B
Plan C
Personal Accident
$100,000
$65,000
$35,000
Show more

Major Medical Plan

Comparison

Benefit/Plan
Plan A
Plan B
Plan C
Personal Accident
Medical Expense & Emergency Assistance
Hospital Cash Allowance
Baggage & Personal Effects
Baggage Delay
Loss of Travel Document
Personal Money
Travel Delay
Curtailment of Trip & Cancellation Charges
Personal Liability
Incidental Home Country Cover
(Optional) Rental Car Protection Benefit (for Adults between 23 and 75)
This is a summary of coverage for reference purpose only.
For details of benefits, terms and conditions, please refer to the brochure and Policy.

General Exclusions:
- Any pre-existing conditions or excluded illness.
- Suicide, self-inflicted injury, childbirth, miscarriage, dental treatment (except as necessitated by accidental injuries to sound and natural teeth), psychiatric and mental disorders, insanity, alcoholism or drug addiction, self-   exposure to needless peril, venereal disease, AIDS or AIDS related complex.
- Any professional sport, racing and competitions of any kind, skydiving, rock or mountainclimbing normally involves the use of ropes or other equipment, hang gliding or parachuting.
- War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, military rising, insurrection, rebellion, revolution, military or usurped power, martial law, mutiny or riot or civil    commotion assuming the proportions of or amounting to a popular rising.
- Diving or trekking exceeds the designated meters.
- Any claims not reported to the relevant authorities within 24 hours.
- Any unlawful or deliberate act.

For details of exclusions, please refer to the Policy.

Major Medical Plan

Comparison

Premier Plan
Executive Plan
Personal Accident
US$ 100,000
US$ 65,000
Show more

Major Medical Plan

Comparison

Benefit/Plan
Premier Plan
Executive Plan
Personal Accident
Medical Expense & Emergency Assistance
(The cost of medical treatment arising from illness or accidental injury)
Hospital Cash Allowance
Baggage & Personal Effects
Baggage Delay
Loss of Travel Document
Personal Money
Travel Delay
Curtailment of Trip & Cancellation Charges
Personal Liability
(Optional) Rental Car Protection Benefit (for Adults between 23 and 75)
This is a summary of coverage for reference purpose only.For details of benefits, terms and conditions, please refer to the brochure and Policy.

General Exclusions:
- Any pre-existing conditions or excluded illness.
- Suicide, self-inflicted injury, childbirth, miscarriage, dental treatment (except as necessitated by accidental injuries to sound and natural teeth), psychiatric and    mental disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril, venereal disease, AIDS or AIDS related complex.
- Any professional sport, racing and competitions of any kind, skydiving, rock or mountainclimbing normally involves the use of ropes or other equipment, hang    gliding or parachuting.
- War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, military rising, insurrection, rebellion, revolution,    military or usurped power, martial law, mutiny or riot or civil commotion assuming the proportions of or amounting to a popular rising.
- Diving or trekking exceeds the designated meters.
- Any claims not reported to the relevant authorities within 24 hours.
- Any unlawful or deliberate act.

For details of exclusions, please refer to the Policy.

Major Medical Plan

Comparison

Premier 250
Premier 500
Annual Fee
US$ 2,829
US$ 3,363
Maximum Limit per Policy Year
US$ 250,000
US$ 500,000
Show more

Major Medical Plan

Comparison

Standard Plan
Standard Upgrade Plan
Annual Fee
US$ 4,046
US$ 4,978
Maximum Limit per Policy Year
US$ 1,000,000
US$ 2,000,000
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Major Medical Plan

Comparison

IP+0P
Annual Fee
US$ 1,020
Maximum Limit per Policy Year
US$ 200,000
Show more

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