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Annual premiums in US$  (effective May 1, 2018 ~ April 30, 2019)

Note: For Omega members who are residing or spending more than 2 months in a policy year within the United States, there will be an additional loading.

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  Age Male   Female  
  00 - 09 (1) $ 609   $ 609  
  10 - 18 (1) $ 1,511   $ 1,511  
  19 - 24 (1) $ 1,511   $ 1,511  
  00 - 24 $ 2,719   $ 5,019  
  25 - 29 $ 3,052   $ 5,638  
  30 - 34  $ 3,190   $ 6,059  
  35 - 39 $ 3,685   $ 6,794  
  40 - 44  $ 3,896   $ 4,893  
  45 - 49 $ 4,391   $ 5,488  
  50 - 54  $ 5,157   $ 5,648  
  55 - 59  $ 6,275   $ 6,567  
  60 - 64 $ 8,227   $ 8,227  
  65 - 69 (2) $ 11,547   $ 11,547  
  70 - 74 (2) $ 12,163   $ 12,163  
  Over 75 (2) $ 13,376   $ 13,376  
  Membership Fee $ 20      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 400 $ 100

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$400 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$100 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 479   $ 479  
  10 - 18 (1) $ 1,188   $ 1,188  
  19 - 24 (1) $ 1,188   $ 1,188  
  00 - 24 $ 2,012   $ 3,706  
  25 - 29 $ 2,262   $ 4,161  
  30 - 34  $ 2,361   $ 4,472  
  35 - 39 $ 2,644   $ 5,013  
  40 - 44  $ 2,880   $ 3,620  
  45 - 49 $ 3,242   $ 4,051  
  50 - 54  $ 3,806   $ 4,184  
  55 - 59  $ 4,618   $ 4,838  
  60 - 64 $ 6,618   $ 6,618  
  65 - 69 (2) $ 10,310   $ 10,310  
  70 - 74 (2) $ 10,708   $ 10,708  
  Over 75 (2) $ 11,776   $ 11,776  
  Membership Fee $ 20      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 800 $ 200

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$800 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$200 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 479   $ 479  
  10 - 18 (1) $ 1,188   $ 1,188  
  19 - 24 (1) $ 1,188   $ 1,188  
  00 - 24 $ 2,012   $ 3,706  
  25 - 29 $ 2,262   $ 4,161  
  30 - 34  $ 2,361   $ 4,472  
  35 - 39 $ 2,644   $ 5,013  
  40 - 44  $ 2,880   $ 3,620  
  45 - 49 $ 3,242   $ 4,051  
  50 - 54  $ 3,806   $ 4,184  
  55 - 59  $ 4,618   $ 4,838  
  60 - 64 $ 6,618   $ 6,618  
  65 - 69 (2) $ 10,310   $ 10,310  
  70 - 74 (2) $ 10,708   $ 10,708  
  Over 75 (2) $ 11,776   $ 11,776  
  Membership Fee $ 20      

  Policy Deductible Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 1,600 $ 400

A deductible is the amount that you are liable for before the insurance policy will reimburse your claim. A new deductible is applied each policy year per insured person. US$1,600 indicates the deductible that will be applied where treatment is sought within the United States, and US$400 indicates the deductible that will be applied when treatment is undertaken outside of the United States.
Hybrid level is ideal for American members who are located overseas and only really want to have US cover in the event of something very major, such as an organ transplant.

  Age Male   Female  
  00 - 09 (1) $ 420   $ 420  
  10 - 18 (1) $ 1,041   $ 1,041  
  19 - 24 (1) $ 1,041   $ 1,041  
  00 - 24 $ 1,378   $ 1,621  
  25 - 29 $ 1,550   $ 1,784  
  30 - 34  $ 1,616   $ 1,960  
  35 - 39 $ 1,814   $ 2,178  
  40 - 44  $ 2,065   $ 2,630  
  45 - 49 $ 2,302   $ 2,787  
  50 - 54  $ 2,817   $ 3,089  
  55 - 59  $ 3,401   $ 3,592  
  60 - 64 $ 5,007   $ 5,007  
  65 - 69 (2) $ 6,928   $ 6,928  
  70 - 74 (2) $ 6,698   $ 6,698  
  Over 75 (2) $ 7,368   $ 7,368  
  Membership Fee $ 20      
  Hybrid Policy Fee $ 240      

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 5,000 $ 100

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$5,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$100 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 446   $ 446  
  10 - 18 (1) $ 1,106   $ 1,106  
  19 - 24 (1) $ 1,106   $ 1,106  
  00 - 24 $ 1,761   $ 2,308  
  25 - 29 $ 1,976   $ 2,597  
  30 - 34  $ 2,065   $ 2,787  
  35 - 39 $ 2,314   $ 3,114  
  40 - 44  $ 2,516   $ 3,254  
  45 - 49 $ 2,832   $ 3,532  
  50 - 54  $ 3,315   $ 3,719  
  55 - 59  $ 4,039   $ 4,227  
  60 - 64 $ 5,997   $ 5,997  
  65 - 69 (2) $ 7,927   $ 7,927  
  70 - 74 (2) $ 8,478   $ 8,478  
  Over 75 (2) $ 9,324   $ 9,324  
  Membership Fee $ 20      

Note: Pregnancy coverage is not available for this level.

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 2,000 $ 500

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$2,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$500 indicates the excess that will be applied when treatment is undertaken outside of the United States.
  Age Male   Female  
  00 - 09 (1) $ 420   $ 420  
  10 - 18 (1) $ 1,041   $ 1,041  
  19 - 24 (1) $ 1,041   $ 1,041  
  00 - 24 $ 1,378   $ 1,621  
  25 - 29 $ 1,550   $ 1,784  
  30 - 34  $ 1,616   $ 1,960  
  35 - 39 $ 1,814   $ 2,178  
  40 - 44  $ 2,065   $ 2,630  
  45 - 49 $ 2,302   $ 2,787  
  50 - 54  $ 2,817   $ 3,089  
  55 - 59  $ 3,401   $ 3,592  
  60 - 64 $ 5,007   $ 5,007  
  65 - 69 (2) $ 6,928   $ 6,928  
  70 - 74 (2) $ 6,698   $ 6,698  
  Over 75 (2) $ 7,368   $ 7,368  
  Membership Fee $ 20      

Note: Pregnancy coverage is not available for this level.

  Policy Excess Within USA
(20% Co-pay)
Overseas
(No Co-pay)
    $ 4,000 $ 1,000

An excess is the amount that you are liable for before the insurance policy will reimburse your claim. A new excess is applied for each condition. US$4,000 indicates the excess that will be applied per condition where treatment is sought within the United States, and US$1,000 indicates the excess that will be applied when treatment is undertaken outside of the United States.

(1) The dependent child premium is only available when a natural or legally adopted unmarried child not more than age 18 (or not more than age 26 if in full-time education and must rely on the parents for support) is covered with at least one parent (the legal guardian) under the same program.

(2) Applicable for renewing member only.

Note 1: All premiums are subject to a BMI of below 30.

Note 2: Pregnancy coverage is only available for Levels 1, 2, Deductible and Hybrid plan. Pregnancy coverage is subject to a 10-month waiting period.

Note 3: All Omega levels provide the same of amount of coverage (
except for pregnancy), only the excess/deductible levels vary with the chosen level.

Note 4: All non-emergency treatment in the United States must be pre-approved in writing and be carried out at one of Aetna's preferred provider facilities if one is available within 100 miles. Failure to do so will automatically result in a 40% co-insurance without limitation.
No Claims Bonus  

TTc offer a NCB (No Claims Bonus), where a member is rewarded with a discount each year they are not reimbursed for a claim.

1 year no claims   - 10% off the standard rate.
2 years no claims - 20% off the standard rate.
3 years no claims - 30% off the standard rate.
4 years no claims - 40% off the standard rate.
5 years no claims - 50% off the standard rate.

Should a member make a claim and receive reimbursement of US$15,000 or less, they will revert to a level two years below their current level at their next renewal. However, if their reimbursement exceeds US$15,000 they will drop all the way down to the standard premium, i.e., no discount. Members who make claims may continue to rebuild their discount in subsequent years.

Group Introductory Discounts

3-10 members - 20% discount
10+ members  - 30% discount

When members renew their discounts will follow the NCB structure.
A member is considered to be an adult or a family unit, whether or not they have dependants.

We are also able to offer these introductory discounts where a group has a reasonable expectation of that accumulative number during their initial 12-month period.

If an entire mission joins TTc, other discounts may be available depending on the number of members joining. Please contact us to discuss this. For groups in excess of 40 members it is also possible to provide premiums on a flat structure (Single, Couple, Family, Single Parent Family) if this is required.
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