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Annual premiums in US$  (effective May 1, 2019 ~ April 30, 2020)

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) $ 603   $ 603  
  10 - 18 (1) $ 1,496   $ 1,496  
  19 - 24 (1) $ 1,496   $ 1,496  
  00 - 24 $ 2,692   $ 4,969  
  25 - 29 $ 3,022   $ 5,582  
  30 - 34  $ 3,158   $ 5,999  
  35 - 39 $ 3,648   $ 6,726  
  40 - 44  $ 3,857   $ 4,844  
  45 - 49 $ 4,347   $ 5,433  
  50 - 54  $ 5,105   $ 5,592  
  55 - 59  $ 6,212   $ 6,502  
  60 - 64 $ 8,145   $ 8,145  
  65 - 69 (2) $ 11,432   $ 11,432  
  70 - 74 (2) $ 12,042   $ 12,042  
  Over 75 (2) $ 13,242   $ 13,242  
  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) $ 474   $ 474  
  10 - 18 (1) $ 1,176   $ 1,176  
  19 - 24 (1) $ 1,176   $ 1,176  
  00 - 24 $ 1,992   $ 3,669  
  25 - 29 $ 2,240   $ 4,119  
  30 - 34  $ 2,337   $ 4,427  
  35 - 39 $ 2,618   $ 4,962  
  40 - 44  $ 2,852   $ 3,584  
  45 - 49 $ 3,210   $ 4,010  
  50 - 54  $ 3,768   $ 4,142  
  55 - 59  $ 4,571   $ 4,790  
  60 - 64 $ 6,552   $ 6,552  
  65 - 69 (2) $ 10,207   $ 10,207  
  70 - 74 (2) $ 10,600   $ 10,600  
  Over 75 (2) $ 11,659   $ 11,659  
  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) $ 474   $ 474  
  10 - 18 (1) $ 1,176   $ 1,176  
  19 - 24 (1) $ 1,176   $ 1,176  
  00 - 24 $ 1,992   $ 3,669  
  25 - 29 $ 2,240   $ 4,119  
  30 - 34  $ 2,337   $ 4,427  
  35 - 39 $ 2,618   $ 4,962  
  40 - 44  $ 2,852   $ 3,584  
  45 - 49 $ 3,210   $ 4,010  
  50 - 54  $ 3,768   $ 4,142  
  55 - 59  $ 4,571   $ 4,790  
  60 - 64 $ 6,552   $ 6,552  
  65 - 69 (2) $ 10,207   $ 10,207  
  70 - 74 (2) $ 10,600   $ 10,600  
  Over 75 (2) $ 11,659   $ 11,659  
  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) $ 415   $ 415  
  10 - 18 (1) $ 1,031   $ 1,031  
  19 - 24 (1) $ 1,031   $ 1,031  
  00 - 24 $ 1,364   $ 1,605  
  25 - 29 $ 1,534   $ 1,767  
  30 - 34  $ 1,599   $ 1,941  
  35 - 39 $ 1,796   $ 2,156  
  40 - 44  $ 2,044   $ 2,604  
  45 - 49 $ 2,279   $ 2,760  
  50 - 54  $ 2,789   $ 3,058  
  55 - 59  $ 3,367   $ 3,556  
  60 - 64 $ 4,957   $ 4,957  
  65 - 69 (2) $ 6,859   $ 6,859  
  70 - 74 (2) $ 6,631   $ 6,631  
  Over 75 (2) $ 7,294   $ 7,294  
  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) $ 441   $ 441  
  10 - 18 (1) $ 1,095   $ 1,095  
  19 - 24 (1) $ 1,095   $ 1,095  
  00 - 24 $ 1,744   $ 2,285  
  25 - 29 $ 1,956   $ 2,571  
  30 - 34  $ 2,044   $ 2,760  
  35 - 39 $ 2,291   $ 3,083  
  40 - 44  $ 2,490   $ 3,221  
  45 - 49 $ 2,803   $ 3,496  
  50 - 54  $ 3,282   $ 3,682  
  55 - 59  $ 3,999   $ 4,185  
  60 - 64 $ 5,937   $ 5,937  
  65 - 69 (2) $ 7,848   $ 7,848  
  70 - 74 (2) $ 8,393   $ 8,393  
  Over 75 (2) $ 9,231   $ 9,231  
  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) $ 415   $ 415  
  10 - 18 (1) $ 1,031   $ 1,031  
  19 - 24 (1) $ 1,031   $ 1,031  
  00 - 24 $ 1,364   $ 1,605  
  25 - 29 $ 1,534   $ 1,767  
  30 - 34  $ 1,599   $ 1,941  
  35 - 39 $ 1,796   $ 2,156  
  40 - 44  $ 2,044   $ 2,604  
  45 - 49 $ 2,279   $ 2,760  
  50 - 54  $ 2,789   $ 3,058  
  55 - 59  $ 3,367   $ 3,556  
  60 - 64 $ 4,957   $ 4,957  
  65 - 69 (2) $ 6,859   $ 6,859  
  70 - 74 (2) $ 6,631   $ 6,631  
  Over 75 (2) $ 7,294   $ 7,294  
  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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