| Hospital, Outpatient and Emergency Medical Plan |
Senior Standard |
Senior Comprehensive |
|
MAXIMUM BENEFIT FOR ANY DISABILITY AND SEQUELAE
(reduces to US $ 250,000 for applicants over age 65)
|
US $1,000,000 |
US $1,000,000 |
|
Covers normal, usual and customary charges for:
|
|
|
|
Room and Board
|
Private |
Private |
|
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% |
|
Organ Transplant
Fees for kidney, heart, 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:
This benefit is a lump sum maximum per organ and no other policy benefits are payable in respect of Organ Transplant
|
US $100,000
|
US $100,000
|
|
AIDS
Coverage will apply when signs or symptoms present for the first time after 5 years continuous coverage under the Policy and any renewal thereof, with life time limit of
|
US $100,000
|
US $100,000
|
|
Anaesthetist's Fee
|
100% |
100% |
|
Private Nurse Fee
When certified necessary by the attending physician ( at home for up to 30 days immediately after hospitalization)
|
100%
|
100%
|
|
Miscellaneous Inpatient Charges
For required diagnostic laboratory charges, x-rays, prescribed medicines, professional fees, blood and plasma, wheel chair rentals, outpatient surgery, surgical appliances and devices, and intra-operative standard prosthetics (as approved by the company)
|
100%
|
100%
|
|
Hospice Care
For terminal illness with a lifetime limit of
|
US $10,000
|
US $10,000
|
|
Medical Check-up
Annual limit for routine medical check ups
|
Not available
|
US $500
|
|
Phychiatric and Mental Disorders
Hospital charges of US$ 5,000 per year with lifetime limit of
|
US $10,000
|
US $10,000
|
|
Accidental Damage to Teeth
Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth
|
100%
|
100%
|
|
Out Patient Benefit
Physician and specialist's fee for office visits, physiotherapist, chiropractor and acupuncturist when referred by the attending physician, and, for required diagnostic laboratory fees, x-rays and prescribed medicines.
|
100%
|
100%
|
Alternative Medicines (As part of "Outpatient Benefit") Consultation fees for homeopath, bonesetter, herbalist, Chinese medicine practitioner, and prescribed herbs up to an annual limit of
|
US $1,000 |
US $1,000 |
|
Emergency Room Treatment & Emergency Local Ambulance Service
|
100% |
100% |
|
24-Hour Emergency Assistance Services and Emergency Local Ambulance Service
|
Included |
Included |
|
|
|
|
ADDITIONAL BENEFIT PLANS: Covers normal, usual, and customary charges for eligible expenses:
|
Senior Standard |
Senior Comprehensive |
|
Dental Benefit
80% reimbursement up to
|
(US $2,000 option) |
US $2,000 |
|
Vision Benefit
80% reimbursement for eye examination and prescription lenses annually for each Insured Person up to
|
Not Available
|
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 absolute disability caused directly and solely by an accident. Coverage terminated after age 75.
|
(US $100,000 option)
|
US $100,000 (with added load for class 2 and 3)
|
|
Travel Benefit
Covers the following eligible expenses worldwide when traveling outside your country of residence on trips lasting up to 90 days:
|
(Option)
|
Included
|
Emergency Medical Expenses: Covers illness or injury including "Emergency Evacuation"--(up to US$ 25,000) with a maximum of US $300 per day for hospital room and board which is doubled when the room fee includes medical service costs and tripled when the room fee also includes all professional services, and
"Get You Home Benefit"-- covers the additional cost of your own travel and accommodation necessarily incurred as a result of a covered disability to get you back home
|
US $35,000
|
US $35,000
|
Baggage and 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 the purchase of essential clothing and toiletries if your checked baggage is delayed upon arrival at your destination for over 12 hours up to
|
US $125
|
US $125
|
Personal Money-- covers theft, burglary and armed robbery of cash, bank notes and traveler's checks up to
|
US $500
|
US $500
|
Hospital Cash Income-- pays up to 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, industrial action, hijack, mechanical derangement if an
Insured Person has to re-route his trip due cancellation of a prior booking; or
"Cash Allowance"- pays US $ 25 for each full 12 hours delay up to a maximum of
US $ 100.
|
US $650
|
US $650
|
Curtailment of Trip & Cancellation Charges- covers irrecoverable
prepaid travel arrangement deposits and any incresed 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 occurs to a rental
car result directly from fire, theft, collision or vandalism.
Deductible: US $ 250
|
(US $10,000 option) |
(US $ 10,000 option) |
|
Note: "100%" herein means full reimbursement of the normal, usual and customary charges
|
