Why Choose International Medical Insurance?
Expats and Frequent Travelers
For expats and frequent travelers, having international medical insurance is essential. It ensures comprehensive coverage no matter where you are in the world.
Key Benefits of International Medical Insurance:
1. Enjoy cashless access to top hospitals worldwide, limited to panel hospitals.
Enjoy hassle free treatment without immediate payment at numerous hospitals listed in our international directory. We handle inpatient bills directly.
2. Outpatient Coverage
For outpatient treatments, you pay the bills first, and insurer reimburse you later. Simply fill out and sign a claim form with your medical practitioner and send it to insurer promptly with original invoices. Providing all required information ensures quick processing. Claims must be made within 90 days of treatment.
3. 24 Hour Claims Enquiry
The insurer’s Health Service Team is available 24/7, every day of the year. When contacting the insurer, mention that you are a member of the International Exclusive plan and provide your policy number. The hotline number is located on the back of your membership card.
4. Coverage for Pre existing and Chronic Illnesses
After a 12 month waiting period, certain pre existing conditions are covered. Be sure to declare these conditions on your application form. Coverage details vary by plan.
What International Medical Insurance Does Not Cover:
- Hospitalization for investigation purposes only
- Infertility or impotence treatments
- Treatments for sexually transmitted diseases or conditions from HIV infection
- Self inflicted injuries or suicide attempts
- Injuries from professional sports or dangerous activities like cliff diving or mountaineering
For a complete list of benefits and exclusions, refer to our Policy Wording available for download below.
Choosing Your International Medical Plan:
We offer 4 plans, each covering different areas: Worldwide, Worldwide excluding the USA, and Asia. Premiums vary based on your country of residence. Follow these steps to find the right premium:
- Find Your Zone: Look up your country of residence in our table.
- Check the Premium Table: Go to the corresponding page for your zone in the Annual Premium Table.
- Select Your Plan: Choose your plan type (1, 2, 3, or 4) and area of coverage (Asia, Worldwide excluding the USA, Worldwide) based on your age. Repeat for each family member to be included.
Example:
If you’re a 35 year old Finance Manager from Indonesia, working in Malaysia:
- Country of Residence: Malaysia, Zone 6.
- Premium Table: Flip to the page for Zone 6.
- Plan Selection: Decide your plan type and area of coverage based on age 35.
(Note: Premiums do not include stamp duty.)
Conclusion:
International medical insurance offers unparalleled peace of mind for those living or working abroad. With comprehensive coverage, access to top hospitals worldwide, and dedicated support, you can focus on your journey without worrying about your health. Choose the plan that best suits your needs and enjoy the assurance of being protected wherever you go. If you are interested in this product, please contact us at [email protected]. As a registered financial adviser, we are here to provide you with professional insurance service and guidance.
