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.
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 cover | Silver | Gold | Platinum |
|---|---|---|---|
$15,000 | $35,000 | Paid in Full |
$15,000
$35,000
Paid in Full
| Consultations with medical practitioners and specialists | Silver | Gold | Platinum |
|---|---|---|---|
$2,500 | $5,000 | Paid in Full |
|
| Prescribed drugs and dressings | Silver | Gold | Platinum |
$1,500 | $3,000 | Paid in Full |
|
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) | Silver | Gold | Platinum |
$2,500 | $5,000 | Paid in Full |
|
| Outpatient Rehabilitation | Silver | Gold | Platinum |
We will pay for:
| $5,000 | $10,000 | Paid in Full |
| Pre-natal and post-natal care | Silver | Gold | Platinum |
Available once the mother has been covered by the policy for 12 months or more. | No coverage | $3,500 | $7,000 |
| Infertility Investigations and treatment | Silver | Gold | Platinum |
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 Apnoea | Silver | Gold | Platinum |
No coverage | $1,500 | $2,000 |
|
| Genetic Cancer test | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 12 months or more. | No coverage | $2,000 | $4,000 |
| Acupuncture & Chinese medicine | Silver | Gold | Platinum |
Up to a combined maximum of 15 consultations per period of cover. | $2,500 | $5,000 | Paid in Full |
| Durable medical equipment | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Adult vaccinations | Silver | Gold | Platinum |
$250 | Paid in Full | Paid in Full |
|
| Dental accidents | Silver | Gold | Platinum |
$1,000 | Paid in Full | Paid in Full |
|
| Child and Adolescence Wellbeing Health | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| 60+ Care | Silver | Gold | Platinum |
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 |
$2,500
$5,000
Paid in Full
$1,500
$3,000
Paid in Full
$2,500
$5,000
Paid in Full
We will pay for:
$5,000
$10,000
Paid in Full
Available once the mother has been covered by the policy for 12 months or more.
No coverage
$3,500
$7,000
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
No coverage
$1,500
$2,000
Available once the beneficiary has been covered by this option for 12 months or more.
No coverage
$2,000
$4,000
Up to a combined maximum of 15 consultations per period of cover.
$2,500
$5,000
Paid in Full
Paid in Full
Paid in Full
Paid in Full
$250
Paid in Full
Paid in Full
$1,000
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
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
| Deductible | Silver | Gold | Platinum |
|---|---|---|---|
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 maximum | Silver | Gold | Platinum |
Cost share is the percentage of each claim not covered by your plan. | First, choose your cost share percentage: | First, choose your cost share percentage: | First, choose your cost share percentage: |
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 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
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 test | Silver | Gold | Platinum |
|---|---|---|---|
1 eye examination per period of cover | $100 | $200 | Paid in Full |
| New Expenses for: | Silver | Gold | Platinum |
| $155 | $155 | $310 |
1 eye examination per period of cover
$100
$200
Paid in Full
$155
$155
$310
| Annual Dental benefit maximum | Silver | Gold | Platinum |
|---|---|---|---|
Per beneficiary per period of cover. | $1,250 | $2,500 | $5,500 |
| Preventative | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 3 months or more. | Paid in Full | Paid in Full | Paid in Full |
| Routine | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 3 months or more. | 80% refund | 90% refund | Paid in Full |
| Major restorative | Silver | Gold | Platinum |
Available once the beneficiary has been covered by this option for 12 months or more. | 70% refund | 80% refund | Paid in Full |
| Orthodontic treatment | Silver | Gold | Platinum |
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 |
Per beneficiary per period of cover.
$1,250
$2,500
$5,500
Available once the beneficiary has been covered by this option for 3 months or more.
Paid in Full
Paid in Full
Paid in Full
Available once the beneficiary has been covered by this option for 3 months or more.
80% refund
90% refund
Paid in Full
Available once the beneficiary has been covered by this option for 12 months or more.
70% refund
80% refund
Paid in Full
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
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 Programme | Silver | Gold | Platinum |
|---|---|---|---|
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 examinations | Silver | Gold | Platinum |
$225 | $450 | $600 |
|
| Cervical cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Prostate cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Mammograms for breast cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Bowel cancer screening | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Bone densitometry | Silver | Gold | Platinum |
$225 | $450 | Paid in Full |
|
| Dietetic consultations | Silver | Gold | Platinum |
Up to 4 consultations per period of cover. | No coverage | No coverage | Paid in Full |
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
$225
$450
$600
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
$225
$450
Paid in Full
Up to 4 consultations per period of cover.
No coverage
No coverage
Paid in Full
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 cover | Silver | Gold | Platinum |
|---|---|---|---|
Paid in Full | Paid in Full | Paid in Full |
Paid in Full
Paid in Full
Paid in Full
| Crisis Assistance Plus™ Programme | Silver | Gold | Platinum |
|---|---|---|---|
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 Evacuation | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Medical Repatriation | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Repatriation of mortal remains | Silver | Gold | Platinum |
Paid in Full | Paid in Full | Paid in Full |
|
| Compassionate visit - travel costs | Silver | Gold | Platinum |
Up to a maximum of 5 trips per lifetime. | $1,200 | $1,200 | $1,200 |
| Compassionate visit - living allowance costs | Silver | Gold | Platinum |
Per day up to 10 days per visit. | $155 | $155 | $155 |
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.
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Paid in Full
Up to a maximum of 5 trips per lifetime.
$1,200
$1,200
$1,200
Per day up to 10 days per visit.
$155
$155
$155
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 |
$5,000
| Consultations with medical practitioners and specialists | Close Care |
|---|---|
$100 per visit. |
|
| 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. |
|
| Acupuncture, Homeopathy, and Chinese medicine | Close Care |
Up to a combined maximum of 15 visits per period of cover. | $100 per visit. |
| Prescribed drugs and dressings | Close Care |
$500 |
|
| Rental of durable equipment | Close Care |
Up to a maximum of 45 days in the period of cover. | $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 | Close Care |
Up to a maximum of 45 days in the period of cover. | Paid in full |
| Routine adult physical examination | Close Care |
$100 |
|
| Pap smear | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
| Prostate cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
| Mammograms for breast cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
| Bowel cancer screening | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
| Bone densitometry | Close Care |
Up to the combined maximum amount shown per period of cover. | $400 |
$100 per visit.
Up to 8 visits per year.
$1,000
$1,000
$100 per visit.
Up to 8 visits per year.
Up to a combined maximum of 15 visits per period of cover.
$100 per visit.
$500
Up to a maximum of 45 days in the period of cover.
$1,500
$250
$500
$1,000
$1,000
Up to a maximum of 45 days in the period of cover.
Paid in full
(Up to the overall annual limit)
$100
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
Up to the combined maximum amount shown per period of cover.
$400
(Combined aggregate limit)
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 |
$750
| Preventative dental treatment | Close Care |
|---|---|
After the beneficiary has been covered on this option for 3 months. | Paid in full |
| Routine dental treatment | Close Care |
After the beneficiary has been covered on this option for 3 months. | 80% refund per period of cover |
| Major restorative dental treatment | Close Care |
After the beneficiary has been covered on this option for 12 months. | 70% refund per period of cover |
After the beneficiary has been covered on this option for 3 months.
Paid in full
(Up to the overall annual limit)
After the beneficiary has been covered on this option for 3 months.
80% refund per period of cover
After the beneficiary has been covered on this option for 12 months.
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.
Our specialists are here to guide you through a personalised quote.
Call +44 (0) 1475 492 119 (877 539 6295 Inside US – Toll free). You can also request a callback or build your plan online.