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International Health Insurance Optional Benefits

Enhance your International Medical Insurance cover by adding optional benefits. Our optional benefits give added protection to your core plan and you can add as many benefits as you like.

International Outpatient

(Silver, Gold and Platinum only)

Includes outpatient care and medical emergencies where a hospital admission as a day patient or inpatient is not needed. Also includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre- and post-natal outpatient care, physiotherapy, osteopathy, chiropractic care and more.

Annual overall benefit maximum - per beneficiary per period of coverSilverGoldPlatinum

$15,000

$35,000

Paid in Full

Annual overall benefit maximum - per beneficiary per period of cover
    Silver
    • $15,000

    Gold
    • $35,000

    Platinum
    • Paid in Full

    Consultations with medical practitioners and specialistsSilverGoldPlatinum

    $2,500

    $5,000

    Paid in Full

    Prescribed drugs and dressingsSilverGoldPlatinum

    $1,500

    $3,000

    Paid in Full

    Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)SilverGoldPlatinum

    $2,500

    $5,000

    Paid in Full

    Outpatient RehabilitationSilverGoldPlatinum

    We will pay for:

    • Outpatient Physiotherapy;
    • Outpatient Occupational therapy;
    • Osteopathy and Chiropractic treatment;
    • Speech therapy; and
    • Cardiac and pulmonary rehabilitation.

    $5,000

    $10,000

    Paid in Full

    Pre-natal and post-natal careSilverGoldPlatinum

    Available once the mother has been covered by the policy for 12 months or more.

    No coverage

    $3,500

    $7,000

    Infertility Investigations and treatmentSilverGoldPlatinum

    Available once the beneficiary has been covered by this option for 24 months or more.

    Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old.

    No coverage

    No coverage

    $10,000 per lifetime

    Sleep ApnoeaSilverGoldPlatinum

    No coverage

    $1,500

    $2,000

    Genetic Cancer testSilverGoldPlatinum

    Available once the beneficiary has been covered by this option for 12 months or more.

    No coverage

    $2,000

    $4,000

    Acupuncture & Chinese medicineSilverGoldPlatinum

    Up to a combined maximum of 15 consultations per period of cover.

    $2,500

    $5,000

    Paid in Full

    Durable medical equipmentSilverGoldPlatinum

    Paid in Full

    Paid in Full

    Paid in Full

    Adult vaccinationsSilverGoldPlatinum

    $250

    Paid in Full

    Paid in Full

    Dental accidentsSilverGoldPlatinum

    $1,000

    Paid in Full

    Paid in Full

    Child and Adolescence Wellbeing HealthSilverGoldPlatinum

    Paid in Full

    Paid in Full

    Paid in Full

    60+ CareSilverGoldPlatinum

    If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia.

    No coverage

    $1,000

    $2,000

    Consultations with medical practitioners and specialists
      Silver
      • $2,500

      Gold
      • $5,000

      Platinum
      • Paid in Full

      Prescribed drugs and dressings
        Silver
        • $1,500

        Gold
        • $3,000

        Platinum
        • Paid in Full

        Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging)
          Silver
          • $2,500

          Gold
          • $5,000

          Platinum
          • Paid in Full

          Outpatient Rehabilitation

            We will pay for:

            • Outpatient Physiotherapy;
            • Outpatient Occupational therapy;
            • Osteopathy and Chiropractic treatment;
            • Speech therapy; and
            • Cardiac and pulmonary rehabilitation.

          Silver
          • $5,000

          Gold
          • $10,000

          Platinum
          • Paid in Full

          Pre-natal and post-natal care

            Available once the mother has been covered by the policy for 12 months or more.

          Silver
          • No coverage

          Gold
          • $3,500

          Platinum
          • $7,000

          Infertility Investigations and treatment

            Available once the beneficiary has been covered by this option for 24 months or more.

            Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old.

          Silver
          • No coverage

          Gold
          • No coverage

          Platinum
          • $10,000 per lifetime

          Sleep Apnoea
            Silver
            • No coverage

            Gold
            • $1,500

            Platinum
            • $2,000

            Genetic Cancer test

              Available once the beneficiary has been covered by this option for 12 months or more.

            Silver
            • No coverage

            Gold
            • $2,000

            Platinum
            • $4,000

            Acupuncture & Chinese medicine

              Up to a combined maximum of 15 consultations per period of cover.

            Silver
            • $2,500

            Gold
            • $5,000

            Platinum
            • Paid in Full

            Durable medical equipment
              Silver
              • Paid in Full

              Gold
              • Paid in Full

              Platinum
              • Paid in Full

              Adult vaccinations
                Silver
                • $250

                Gold
                • Paid in Full

                Platinum
                • Paid in Full

                Dental accidents
                  Silver
                  • $1,000

                  Gold
                  • Paid in Full

                  Platinum
                  • Paid in Full

                  Child and Adolescence Wellbeing Health
                    Silver
                    • Paid in Full

                    Gold
                    • Paid in Full

                    Platinum
                    • Paid in Full

                    60+ Care

                      If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia.

                    Silver
                    • No coverage

                    Gold
                    • $1,000

                    Platinum
                    • $2,000

                    DeductibleSilverGoldPlatinum

                    A deductible is the amount which you must pay before any claims are covered by your plan.

                    $0 / $150 / $500 / $1,000 / $1,500

                    $0 / $150 / $500 / $1,000 / $1,500

                    $0 / $150 / $500 / $1,000 / $1,500

                    Cost share after deductible and out of pocket maximumSilverGoldPlatinum

                    Cost share is the percentage of each claim not covered by your plan.

                    The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

                    The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

                    First, choose your cost share percentage:
                    0% / 10% / 20% / 30%

                    Your out of pocket maximum is: $3,000

                    First, choose your cost share percentage:
                    0% / 10% / 20% / 30%

                    Your out of pocket maximum is: $3,000

                    First, choose your cost share percentage:
                    0% / 10% / 20% / 30%

                    Your out of pocket maximum is: $3,000

                    Deductible

                      A deductible is the amount which you must pay before any claims are covered by your plan.

                    Silver
                    • $0 / $150 / $500 / $1,000 / $1,500

                    Gold
                    • $0 / $150 / $500 / $1,000 / $1,500

                    Platinum
                    • $0 / $150 / $500 / $1,000 / $1,500

                    Cost share after deductible and out of pocket maximum

                      Cost share is the percentage of each claim not covered by your plan.

                      The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

                      The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

                    Silver
                    • First, choose your cost share percentage:
                      0% / 10% / 20% / 30%

                      Your out of pocket maximum is: $3,000

                    Gold
                    • First, choose your cost share percentage:
                      0% / 10% / 20% / 30%

                      Your out of pocket maximum is: $3,000

                    Platinum
                    • First, choose your cost share percentage:
                      0% / 10% / 20% / 30%

                      Your out of pocket maximum is: $3,000

                    International Vision and Dental

                    (Silver, Gold and Platinum only)

                    International Vision and Dental pays for the beneficiary’s routine eye examination and pays costs for spectacles and lenses. It also covers a wide range of preventative, routine and major dental treatments.

                    Eye testSilverGoldPlatinum

                    1 eye examination per period of cover

                    $100

                    $200

                    Paid in Full

                    New Expenses for:SilverGoldPlatinum
                    • Spectacle lenses;
                    • Contact lenses;
                    • Spectacle frames;
                    • Prescription sunglasses.

                    $155

                    $155

                    $310

                    Eye test

                      1 eye examination per period of cover

                    Silver
                    • $100

                    Gold
                    • $200

                    Platinum
                    • Paid in Full

                    New Expenses for:

                      • Spectacle lenses;
                      • Contact lenses;
                      • Spectacle frames;
                      • Prescription sunglasses.

                    Silver
                    • $155

                    Gold
                    • $155

                    Platinum
                    • $310

                    Annual Dental benefit maximumSilverGoldPlatinum

                    Per beneficiary per period of cover.

                    $1,250

                    $2,500

                    $5,500

                    PreventativeSilverGoldPlatinum

                    Available once the beneficiary has been covered by this option for 3 months or more.

                    Paid in Full

                    Paid in Full

                    Paid in Full

                    RoutineSilverGoldPlatinum

                    Available once the beneficiary has been covered by this option for 3 months or more.

                    80% refund

                    90% refund

                    Paid in Full

                    Major restorativeSilverGoldPlatinum

                    Available once the beneficiary has been covered by this option for 12 months or more.

                    70% refund

                    80% refund

                    Paid in Full

                    Orthodontic treatmentSilverGoldPlatinum

                    Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old.

                    40% refund

                    50% refund

                    50% refund

                    Annual Dental benefit maximum

                      Per beneficiary per period of cover.

                    Silver
                    • $1,250

                    Gold
                    • $2,500

                    Platinum
                    • $5,500

                    Preventative

                      Available once the beneficiary has been covered by this option for 3 months or more.

                    Silver
                    • Paid in Full

                    Gold
                    • Paid in Full

                    Platinum
                    • Paid in Full

                    Routine

                      Available once the beneficiary has been covered by this option for 3 months or more.

                    Silver
                    • 80% refund

                    Gold
                    • 90% refund

                    Platinum
                    • Paid in Full

                    Major restorative

                      Available once the beneficiary has been covered by this option for 12 months or more.

                    Silver
                    • 70% refund

                    Gold
                    • 80% refund

                    Platinum
                    • Paid in Full

                    Orthodontic treatment

                      Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old.

                    Silver
                    • 40% refund

                    Gold
                    • 50% refund

                    Platinum
                    • 50% refund

                    International Health and Wellbeing

                    (Silver, Gold and Platinum only)

                    Provides you with the tools to manage your overall health and wellbeing with non-symptomatic annual routine physical examinations, preventative cancer screenings, and the Life Management Assistance programme to access 24/7 stress management support and confidential counselling sessions.

                    Life Management Assistance ProgrammeSilverGoldPlatinum

                    This programme is available 24 hours a day and gives you access to free, confidential assistance with any work, life, personal or family issue that matters to you.

                    Paid in Full

                    Paid in Full

                    Paid in Full

                    Routine adult physical examinationsSilverGoldPlatinum

                    $225

                    $450

                    $600

                    Cervical cancer screeningSilverGoldPlatinum

                    $225

                    $450

                    Paid in Full

                    Prostate cancer screeningSilverGoldPlatinum

                    $225

                    $450

                    Paid in Full

                    Mammograms for breast cancer screeningSilverGoldPlatinum

                    $225

                    $450

                    Paid in Full

                    Bowel cancer screeningSilverGoldPlatinum

                    $225

                    $450

                    Paid in Full

                    Bone densitometrySilverGoldPlatinum

                    $225

                    $450

                    Paid in Full

                    Dietetic consultationsSilverGoldPlatinum

                    Up to 4 consultations per period of cover.

                    No coverage

                    No coverage

                    Paid in Full

                    Life Management Assistance Programme

                      This programme is available 24 hours a day and gives you access to free, confidential assistance with any work, life, personal or family issue that matters to you.

                    Silver
                    • Paid in Full

                    Gold
                    • Paid in Full

                    Platinum
                    • Paid in Full

                    Routine adult physical examinations
                      Silver
                      • $225

                      Gold
                      • $450

                      Platinum
                      • $600

                      Cervical cancer screening
                        Silver
                        • $225

                        Gold
                        • $450

                        Platinum
                        • Paid in Full

                        Prostate cancer screening
                          Silver
                          • $225

                          Gold
                          • $450

                          Platinum
                          • Paid in Full

                          Mammograms for breast cancer screening
                            Silver
                            • $225

                            Gold
                            • $450

                            Platinum
                            • Paid in Full

                            Bowel cancer screening
                              Silver
                              • $225

                              Gold
                              • $450

                              Platinum
                              • Paid in Full

                              Bone densitometry
                                Silver
                                • $225

                                Gold
                                • $450

                                Platinum
                                • Paid in Full

                                Dietetic consultations

                                  Up to 4 consultations per period of cover.

                                Silver
                                • No coverage

                                Gold
                                • No coverage

                                Platinum
                                • Paid in Full

                                International Evacuation and Crisis Assistance Plus™

                                (Silver, Gold and Platinum)

                                Provides coverage for medical evacuation in the event of an emergency and global crisis response services. This includes emergency transport to a centre of medical excellence, repatriation home following a serious incident, costs for compassionate visits, and global crisis response services in the event of a travel or security risk.

                                International Evacuation and Crisis Assistance Plus™ overall benefit maximum - per beneficiary per period of coverSilverGoldPlatinum

                                Paid in Full

                                Paid in Full

                                Paid in Full

                                International Evacuation and Crisis Assistance Plus™ overall benefit maximum - per beneficiary per period of cover
                                  Silver
                                  • Paid in Full

                                  Gold
                                  • Paid in Full

                                  Platinum
                                  • Paid in Full

                                  Crisis Assistance Plus™ ProgrammeSilverGoldPlatinum

                                  The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling.

                                  FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  Medical EvacuationSilverGoldPlatinum

                                  Paid in Full

                                  Paid in Full

                                  Paid in Full

                                  Medical RepatriationSilverGoldPlatinum

                                  Paid in Full

                                  Paid in Full

                                  Paid in Full

                                  Repatriation of mortal remainsSilverGoldPlatinum

                                  Paid in Full

                                  Paid in Full

                                  Paid in Full

                                  Compassionate visit - travel costsSilverGoldPlatinum

                                  Up to a maximum of 5 trips per lifetime.

                                  $1,200

                                  $1,200

                                  $1,200

                                  Compassionate visit - living allowance costsSilverGoldPlatinum

                                  Per day up to 10 days per visit.

                                  $155

                                  $155

                                  $155

                                  Crisis Assistance Plus™ Programme

                                    The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling.

                                  Silver
                                  • FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  Gold
                                  • FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  Platinum
                                  • FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

                                  Medical Evacuation
                                    Silver
                                    • Paid in Full

                                    Gold
                                    • Paid in Full

                                    Platinum
                                    • Paid in Full

                                    Medical Repatriation
                                      Silver
                                      • Paid in Full

                                      Gold
                                      • Paid in Full

                                      Platinum
                                      • Paid in Full

                                      Repatriation of mortal remains
                                        Silver
                                        • Paid in Full

                                        Gold
                                        • Paid in Full

                                        Platinum
                                        • Paid in Full

                                        Compassionate visit - travel costs

                                          Up to a maximum of 5 trips per lifetime.

                                        Silver
                                        • $1,200

                                        Gold
                                        • $1,200

                                        Platinum
                                        • $1,200

                                        Compassionate visit - living allowance costs

                                          Per day up to 10 days per visit.

                                        Silver
                                        • $155

                                        Gold
                                        • $155

                                        Platinum
                                        • $155

                                        Outpatient and Wellness Care

                                        (Close Care only)

                                        Outpatient and Wellness Care covers you more comprehensively for outpatient care and medical emergencies that may arise where a hospital admission as a daypatient or inpatient is not required. As well as this, this benefit will cover you for consultations with specialists and medical practitioners, prescribed drugs and dressings, physiotherapy and osteopathic and chiropractic treatments. You will also be covered for pre-cancer screenings, and routine adult physical exams.

                                        Outpatient and Wellness Care annual overall benefit maximum - per beneficiary per period of cover.Close Care

                                        $5,000

                                        Outpatient and Wellness Care annual overall benefit maximum - per beneficiary per period of cover.
                                          Close Care
                                          • $5,000

                                          Consultations with medical practitioners and specialistsClose Care

                                          $100 per visit.
                                          Up to 8 visits per year.

                                          Pathology, radiology and diagnostic tests (excluding Advanced Medical ImagingClose Care

                                          $1,000 

                                          Physiotherapy treatmentClose Care

                                          $1,000 

                                          Osteopathy and chiropractic treatmentClose Care

                                          $100 per visit.
                                          Up to 8 visits per year.

                                          Acupuncture, Homeopathy, and Chinese medicineClose Care

                                          Up to a combined maximum of 15 visits per period of cover.

                                          $100 per visit. 

                                          Prescribed drugs and dressingsClose Care

                                          $500 

                                          Rental of durable equipmentClose Care

                                          Up to a maximum of 45 days in the period of cover.

                                          $1,500 

                                          Adult vaccinationsClose Care

                                          $250 

                                          Dental accidentsClose Care

                                          $500 

                                          Well child testsClose Care

                                          $1,000 

                                          Child immunisationsClose Care

                                          $1,000 

                                          Annual eye and hearing test for children aged 15 and youngerClose Care

                                          Up to a maximum of 45 days in the period of cover.

                                          Paid in full
                                          (Up to the overall annual limit)

                                          Routine adult physical examinationClose Care

                                          $100 

                                          Pap smearClose Care

                                          Up to the combined maximum amount shown per period of cover.

                                          $400
                                          (Combined aggregate limit)

                                          Prostate cancer screeningClose Care

                                          Up to the combined maximum amount shown per period of cover.

                                          $400
                                          (Combined aggregate limit)

                                          Mammograms for breast cancer screeningClose Care

                                          Up to the combined maximum amount shown per period of cover.

                                          $400
                                          (Combined aggregate limit)

                                          Bowel cancer screeningClose Care

                                          Up to the combined maximum amount shown per period of cover.

                                          $400
                                          (Combined aggregate limit)

                                          Bone densitometryClose Care

                                          Up to the combined maximum amount shown per period of cover.

                                          $400
                                          (Combined aggregate limit)

                                          Consultations with medical practitioners and specialists
                                            Close Care
                                            • $100 per visit.
                                              Up to 8 visits per year.

                                            Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging
                                              Close Care
                                              • $1,000 

                                              Physiotherapy treatment
                                                Close Care
                                                • $1,000 

                                                Osteopathy and chiropractic treatment
                                                  Close Care
                                                  • $100 per visit.
                                                    Up to 8 visits per year.

                                                  Acupuncture, Homeopathy, and Chinese medicine

                                                    Up to a combined maximum of 15 visits per period of cover.

                                                  Close Care
                                                  • $100 per visit. 

                                                  Prescribed drugs and dressings
                                                    Close Care
                                                    • $500 

                                                    Rental of durable equipment

                                                      Up to a maximum of 45 days in the period of cover.

                                                    Close Care
                                                    • $1,500 

                                                    Adult vaccinations
                                                      Close Care
                                                      • $250 

                                                      Dental accidents
                                                        Close Care
                                                        • $500 

                                                        Well child tests
                                                          Close Care
                                                          • $1,000 

                                                          Child immunisations
                                                            Close Care
                                                            • $1,000 

                                                            Annual eye and hearing test for children aged 15 and younger

                                                              Up to a maximum of 45 days in the period of cover.

                                                            Close Care
                                                            • Paid in full
                                                              (Up to the overall annual limit)

                                                            Routine adult physical examination
                                                              Close Care
                                                              • $100 

                                                              Pap smear

                                                                Up to the combined maximum amount shown per period of cover.

                                                              Close Care
                                                              • $400
                                                                (Combined aggregate limit)

                                                              Prostate cancer screening

                                                                Up to the combined maximum amount shown per period of cover.

                                                              Close Care
                                                              • $400
                                                                (Combined aggregate limit)

                                                              Mammograms for breast cancer screening

                                                                Up to the combined maximum amount shown per period of cover.

                                                              Close Care
                                                              • $400
                                                                (Combined aggregate limit)

                                                              Bowel cancer screening

                                                                Up to the combined maximum amount shown per period of cover.

                                                              Close Care
                                                              • $400
                                                                (Combined aggregate limit)

                                                              Bone densitometry

                                                                Up to the combined maximum amount shown per period of cover.

                                                              Close Care
                                                              • $400
                                                                (Combined aggregate limit)

                                                              Dental care and treatment

                                                              (Close Care only)

                                                              Maintain your oral health with the Dental Care and Treatment option. This option covers you for a wide range of preventative, routine and major dental treatments.

                                                              Dental Care and Treatment annual overall benefit maximum - per beneficiary per period of cover Close Care

                                                              $750 

                                                              Dental Care and Treatment annual overall benefit maximum - per beneficiary per period of cover
                                                                Close Care
                                                                • $750 

                                                                Preventative dental treatmentClose Care

                                                                After the beneficiary has been covered on this option for 3 months.

                                                                Paid in full
                                                                (Up to the overall annual limit)

                                                                Routine dental treatmentClose Care

                                                                After the beneficiary has been covered on this option for 3 months.

                                                                80% refund per period of cover

                                                                Major restorative dental treatmentClose Care

                                                                After the beneficiary has been covered on this option for 12 months.

                                                                70% refund per period of cover

                                                                Preventative dental treatment

                                                                  After the beneficiary has been covered on this option for 3 months.

                                                                Close Care
                                                                • Paid in full
                                                                  (Up to the overall annual limit)

                                                                Routine dental treatment

                                                                  After the beneficiary has been covered on this option for 3 months.

                                                                Close Care
                                                                • 80% refund per period of cover

                                                                Major restorative dental treatment

                                                                  After the beneficiary has been covered on this option for 12 months.

                                                                Close Care
                                                                • 70% refund per period of cover

                                                                Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit and you should refer to the Customer Guide for full benefit details. The benefits contained within the Benefit Table are applicable to annual policies commencing or renewing on or after 22nd October 2020. For annual policies commencing or renewing before 22nd October 2020 please refer to your policy documents for benefit details. The benefits described may be subject to change.

                                                                Prices are displayed in US Dollars (USD) only. Please refer to the Sales Brochure to see benefit limits displayed in EUR / GBP.

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