Affordable Medical Insurance
Expatriate Medical Insurance Individuals or Families
• USD 1 million of cover at leading hospitals worldwide• Affordable premiums
• No medical examination required
• Unique smart card for prompt claims approval and settlement
• Essential cover when you need it most
• What is covered?
What Is Covered In Brief
For full coverage details and specific limits please refer to the Policy Wording and the medical insurance plan, terms and conditions apply.
Local Ambulance Service
Costs covering the Insured Person's transport to the nearest suitable Hospital by the most appropriate means available, comprising road / off-road ambulance, train, helicopter or fixed-wing aircraft, with a medical escort if Our Medical Advisor considers necessary.
Hospitalisation Benefits
Costs covering the Insured Person's Inpatient or Day-care admission to the Hospital and for the following Medical Expenses and services when recommended and / or approved by Our Medical Advisor (the hospital):
Reimbursement of a cash allowance of USD100 per night for up to 30 nights as an inpatient within the insured period.
Emergency Outpatient Treatment
Reimbursement up to the Policy Limit for Emergency Outpatient Treatment necessary as a result of an Accidental Injury or sudden acute Illness, received in a Casualty/Emergency room within 48 hours of the Accident or onset of the Illness.
Emergency Dental Treatment
Reimbursement up to the Policy Limits for Outpatient Emergency Dental Treatment necessary as a result of an extra-oral impact and received within 48 hours from the date and time of the Accident for the immediate relief of pain the Insured Person suffers as the direct result of an Accident occurring during the Period of Insurance.
Emergency Medical Transfer
If in Our Medical Advisor's opinion the Insured Person requires Emergency Medical Transfer or evacuation then we will reimburse:
Should it be necessary for the Insured Person to undergo a scheduled Major Intervention, We will arrange and pay for their transfer, by regular scheduled or charter airline, with medical escort if necessary, to their Elected Country. As shown in the Membership Certificate, as soon as their medical condition permits.
Repatriation of Remains
Reimbursement for the costs of preparation and repatriation (by air) of the mortal remains of the Insured Person from the country where death occurs to the place of the funeral in the Home Country or in the Country of Residence.
Or
The costs of local cremation or burial
Out of Area Emergency Treatment
The Insured Person may contact Assistance Online China to obtain the following travel information and services before starting or during his journey:
Local Ambulance Service
Costs covering the Insured Person's transport to the nearest suitable Hospital by the most appropriate means available, comprising road / off-road ambulance, train, helicopter or fixed-wing aircraft, with a medical escort if Our Medical Advisor considers necessary.
Hospitalisation Benefits
Costs covering the Insured Person's Inpatient or Day-care admission to the Hospital and for the following Medical Expenses and services when recommended and / or approved by Our Medical Advisor (the hospital):
- Accommodation
- Hospital medical facilities
- Prescribed Medical Treatment including
- Surgeon's and Anesthetist’s charges
- Physician's charges
- consultations
- diagnostic procedures (including CT, MRI and PET scans)
- surgical appliances
- Physiotherapy
- Prescription Drugs
- Intensive care unit accommodation
- If the Insured Person is a child aged under 16 then overnight accommodation for one parent
- Day-care surgery
- Emergency Dental Treatment as a result of an Accident
- Chinese traditional medicine, including herbal Treatments, acupuncture, and bone setting
- Post Operative care for 3 months following discharge
Reimbursement of a cash allowance of USD100 per night for up to 30 nights as an inpatient within the insured period.
Emergency Outpatient Treatment
Reimbursement up to the Policy Limit for Emergency Outpatient Treatment necessary as a result of an Accidental Injury or sudden acute Illness, received in a Casualty/Emergency room within 48 hours of the Accident or onset of the Illness.
Emergency Dental Treatment
Reimbursement up to the Policy Limits for Outpatient Emergency Dental Treatment necessary as a result of an extra-oral impact and received within 48 hours from the date and time of the Accident for the immediate relief of pain the Insured Person suffers as the direct result of an Accident occurring during the Period of Insurance.
Emergency Medical Transfer
If in Our Medical Advisor's opinion the Insured Person requires Emergency Medical Transfer or evacuation then we will reimburse:
- All necessary costs for the Insured Person's medical transportation to the nearest suitable and appropriate Hospital, which may be in a country including outside the Geographical Area should circumstances dictate
- Or to a Hospital which is more suitably equipped or more suitably specialised to treat the insured’s condition
- The most appropriate means of transport available locally will be used
- Should Our Medical Advisor consider it necessary; we will arrange and pay for a medical escort to accompany the Insured Person
Should it be necessary for the Insured Person to undergo a scheduled Major Intervention, We will arrange and pay for their transfer, by regular scheduled or charter airline, with medical escort if necessary, to their Elected Country. As shown in the Membership Certificate, as soon as their medical condition permits.
Repatriation of Remains
Reimbursement for the costs of preparation and repatriation (by air) of the mortal remains of the Insured Person from the country where death occurs to the place of the funeral in the Home Country or in the Country of Residence.
Or
The costs of local cremation or burial
Out of Area Emergency Treatment
- For customers electing to take out Area 1 cover their policy excludes treatment in USA, Canada and Caribbean
- The Global Health Plan provides Emergency Only cover to USA, Canada and Caribbean for a period of up to 30 days per year
The Insured Person may contact Assistance Online China to obtain the following travel information and services before starting or during his journey:
- 24 hour Assistance Call Center
- Pre Travel Medical Advice
- Hotel Reservation and guarantee
- Limousine & Taxi Reservation and guarantee
- Air Ticket Reservation and guarantee
- Visa & Embassies Information
- Cash Advance
- Lost Passport Assistance
- Legal Assistance
- Lost Baggage Retrieval
