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CHRONIC CONDITIONS
:: Additional Premium of $895 per Adult, $304 per Child.
Please note that under the standard program rules, only the initial diagnosis of a chronic condition will be covered. Therefore this option provides extended cover that includes the routine management and palliative medical expenses incurred in connection with a chronic condition. Cover is restricted to new medical conditions that have not been previously suffered from, whether or not diagnosed, occurring after the purchase date of this option. Medical expenses are limited to routine check-ups, prescribed drugs, hospital accommodation, nursing, surgery and palliative treatment associated with the chronic condition.
The payable benefit is limited up to US$50,000 (with HIV/AIDS coverage limited to US$10,000) per insured person from the date of confirmed diagnosis, subjected to program membership being maintained throughout the period of a claim.
Note: The option, if purchased, must be applied to all dependants on the policy. Please enquire about rates for those above age 65 years.
ROUTINE DENTAL COVER
:: Additional Premium of $218 per Adult, $63 per Child.
Includes examinations and cleaning, normal compound fillings, porcelain crowns and extractions, but excludes corrective, orthodontic or cosmetic treatment carried out by a dental surgeon in a dental surgery; up to US$250 per insured person, payable in any one annual period.
TRAVEL COVER
:: Additional Premium of $137 per Person.
This option provides straightforward, but effective travel insurance policy that works whilst away from your Home Country and Overseas Country of Residence. Please note that for children, this option is only necessary if the child travels alone.
Cancellation & Curtailment: Up to US$1,500 reimbursement for unused travel and accommodation costs, should you have to cancel or cut short your projected journey for various reasons.
Luggage, Clothing & Personal Effects: Up to US$1,000 reimbursement for loss of, or damage to, luggage, clothing and personal effects. The underwriters will, in addition, pay up to US$2,000 in respect of loss of a notebook computer and up to US$300 for the loss of a camera or musical instrument.
Personal Money: Up to a US$500 reimbursement for the loss of cash, bank or currency notes, traveller's cheques, passports, etc., including any reasonable expenses following such loss.
Deductible: The underwriters shall not be liable for the first US$50 of each claim.
Territorial Limits: Worldwide, excluding a member's Home Country and Normal Country of Residence.
EXTENDED COMPASSIONATE TRAVEL
:: Additional Premium of $350 per Policy.
This option extends the built-in benefit to provide cover for reasonable travel and accommodation in respect of one Insured Person per Policy necessarily having to travel to and return from the normal Country of Domicile or Country of Residence of a parent who has unexpectedly suffered a life threatening Accident, life threatening illness or suffered a sudden death from any condition which did not pre-date the purchase date of this agreement. This is subject to US$1,500 towards the cost of travel per Period of Cover and limited to no more than two (2) claims in any five (5) year period.
TERM LIFE COVER
:: Additional Premium of $144 for age 18~49 and $288 for age 50~65.
Life insurance cover, a flat rate pay out of US$100,000 for 18~49-year-olds, and US$50,000 for 50~65-year-olds. Premium is dependent on age 18~49 or age 50~65.
ACCIDENTAL DEATH and DISMEMBERMENT
:: Additional Premium of $60 on top of Term Life Cover.
A lump sum payment in the event that a member loses their life, or a significant body part in an accident. US$100,000 for 18~49-year-olds, and US$50,000 for 50~65-year-olds. This option is only available in conjunction with Term Life Cover.
PERSONAL ACCIDENT
:: Additional Premium of $212 per Adult.
A lump sum payment of US$100,000 in the event of accidental death, with additional of temporary or permanent total disability following an accident. Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.
Note: All premiums stated are annual amount (in US$) and effective May 1, 2010 ~ April 30, 2011.
