| HOSPITAL, OUTPATIENT & EMERGENCY MEDICAL PLAN |
| |
SENIOR
STANDARD
MEDICAL PLAN |
SENIOR
COMPREHENSIVE
MEDICAL PLAN |
MAXIMUM BENEFIT FOR ANY ONE
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 |
Semi-Private in E.U.Countries/HK/
N.America/Switzerland
(Private Room option)
or
Private in other countries |
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 lifetime
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 fees, 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 illnesses with lifetime limit of |
US$10,000 |
US$10,000 |
Medical Check-up
Annual limit for routine medical check-ups |
Not Available |
US$500 |
Psychiatric 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% |
Outpatient Benefit
Physician and specialists' fees 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 Medical Evacuation Service
Additional Travel Expenses (following Evacuation)
One economy class airline ticket to return an Insured
Person to the Country of Residence |
Included |
Included |
Note:"100%" herein means full reimbursement of the normal, usual and customary charges in accordance with the eligible room type or other localized circumstances or customs. |
| ADDITIONAL BENEFIT PLANS |
| |
SENIOR
STANDARD
MEDICAL PLAN |
SENIOR
COMPREHENSIVE
MEDICAL PLAN |
|
Covers normal, usual and customary
charges for eligible expenses: |
|
|
Dental Benefit
80% reimbursement up to |
(US$2,000 option) |
US$2,000 |
Vision Benefit
80% reimbursement for eye examinations 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
total disability caused directly and solely by an accident.
Coverage is 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
travelling 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 & Travel Documents - covers loss and damage of baggage and personal items; and loss of travel documents up to |
US$500 |
US$500 |
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, industrial action, hijack, mechanical derangement if an Insured Person has to re-route his trip due to cancellation of a prior confirmed booking; or
" Cash Allowance " - pays US$25 for each full 12 hours delay up to a maximum of US$100. |
US$650 |
US$650 |
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) |
|
