Plan Comparison

Side by side comparison of our International Health & Medical insurance plans (Worldwide coverage), Benefit vs Level of Refund.

In-patient and Day-case Treatment Diamond Platinum Classic Essential
Full refund for Private Hospital or Private Clinic accommodation in : Private
Room
Private
Room
Private
Room
Semi-Private
Room
Surgical operations including post operative care 100% 100% 100% 100%
Surgical appliances and prosthetic implants 100% 100% 100% 100%
Prescription drugs and materials, including surgical dressings 100% 100% 100% 100%
Physician and therapist fees 100% 100% 100% 100%
Theatre charges & Anaesthesia 100% 100% 100% 100%
Intensive & Critical Care, Intensive Treatement & Therapy 100% 100% 100% 100%
Coronary care and High Dependency Unit 100% 100% 100% 100%
Pathology X-rays, Diagnostics test 100% 100% 100% 100%
Advanced diagnostic tests (CT, MRI, PET, CT-PET scans) 100% 100% 100% 100%
Reconstructive surgeries to restore appearance after an accident 100% 100% 100% 100%
Reconstructive surgeries to restore appearance after a surgery 100% 100% 100% 100%
Accommodation cost for one parent staying in hospital
with an insured child under 12 years old
100% 100% 100% 100%
In-patient prescribed psychiatric treatment 100% NO NO NO
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Outpatient - Medical Treatment Diamond
Platinum Classic Essential
Day-care treatment and out-patient surgical operations 100% 100% 90% 80%
General practitioner fees including family doctor & specialist 100% 100% 90% 80%
Prescribed drugs and dressings 100% 100% 90% 80%
Pathology X-rays and diagnostic tests 100% 100% 90% 80%
Advanced diagnostic tests (CT, MRI, PET, CT-PET scans) 100% 100% 90% 80%
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Preventive Medicine
Diamond
Platinum Classic Essential
Vaccinations, Inoculations & preventive drugs 100% 100% 900% 80%
Health check up,
including analysis and screening for early detection of illness or disease
100% 100% 100% 100%
Aternative Medicine
Chiropractic, Osteopathy, Physiotherapy 100% 100% 100% NO
Acupuncture, Homeopathy, Traditional Chinese Medicine 100% 100% 100% NO
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Further Benefits ...
Diamond
Platinum Classic Essential
Cancer and Oncology Therapy
In-& day-patient treatment
100% 100% 100% 100%
Related out-patient treatment 100% 100% 90% 80%
Kidney and Renal Dialysis
In-& day-patient treatment
100% 100% 100% 100%
Related out-patient treatment 100% 100% 90% 80%
Hospice and Palliative care
In-& day-patient treatment
100% 100% 100% 100%
Related out-patient treatment 100% 100% 90% 80%
Organ, Bone marrow, Tissue transplants
In-& day-patient treatment
100% 100% 100% 100%
Related out-patient treatment 100% 100% 90% 80%
In-patient cash benefit (per night)
YES NO NO NO
More Benefits ...
Nursing in a convalescent home 100% NO NO NO
Home nursing after in-patient treatment 100% NO NO NO
HIV/AIDS drugs therapy including AFT  100% NO NO NO
Hormone Replacement Therapy 100% 100% 90% 90%
Local Road Ambulance / Local Air Ambulance 100% 100% 100% 100%
Chronic conditions 100% 100% 100% 100%
Pre - existing medical conditions 100% 100% 100% 100%
Long term care for Chronic conditions & for Disability 100% 100% 100% 100%
Rehabilitation Treatment (Maximum 60 days) 100% NO NO NO
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Maternity
Diamond
Platinum Classic Essential
Routine maternity (in-patient and out-patient treatment) 100% 100% 100% NO
Complications of pregnancy (in-patient and out-patient treatment) 100% 100% 100% NO
Complications of childbirth (in-patient treatment) 100% 100% 100% NO
Newborn care (up to 14 days before being names) 100% 100% 100% NO
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Emergency Evacuation & Rapatriation
Diamond
Platinum Classic Essential
Medical evacuation 100% 100% 100% 100%
Emergency treatment outside area of cover 100% 100% 100% 100%
Return airfare to country of residence 100% 100% 100% 100%
Expenses for one person accompanying an evacuated person 100% 100% 100% 100%
Travel costs of one insured family member
in the event of an evacuation
100% 100% 100% 100%
Travel costs of one insured family member
for the repatriation of mortal remains
100% 100% 100% 100%
Repatriation of mortal remains 100% 100% 100% 100%
Local burial or cremation 100% 100% 100% 100%
Treatment arising directly or indirectly as a consequence of war
or terrorism, provided you are an innocent bystander
100% 100% 100% 100%
Accidental death (Costs of repatriation or burial of remains only) 100% 100% 100% 100%
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Optical Care
Diamond
Platinum Classic Essential
Physician fees 100% 100% 90% NO
Visits & optical care 100% 100% 90% NO
Frame / contact lenses 100% 100% 90% NO
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.
Dental Care
Diamond
Platinum Classic Essential
Dental treatment and Dental surgery 100% 100% NO NO
Dental prosthesis
100% 100% NO
NO
Orthodontic treatment (must begin before the age of 18) 100% 100% NO NO
Accident- related dental treatment (in-patient and out-patient) 100% 100% 100% 100%
Zone specifications and limitations may apply. For exact full information, do refer to the Plan Details and to the Exclusions pages.