The Omega Plan

$10,000 maternity cover is included.

This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition which manifests after its purchase date from $3,000 to $50,000 per year. HIV/AIDS coverage limited to $10,000.

Under the standard program rules, the initial diagnosis of a chronic condition will be covered up to the maximum program limit. All routine management and palliative medical expenses for the chronic condition will be limited to $3,000 per year after the initial diagnosis.

Pricing: $1,222 per Adult and $414 per Child.

Note: This option is applied to all dependents on the policy.

Straightforward and effective travel insurance that works when 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 $1,500 for unused travel and accommodation costs, should you have to cancel or cut short your projected journey.

Luggage, Clothing & Personal Effects:  Up to $1,000 for loss of, or damage to, luggage, clothing and personal effects. $2,000 in respect of loss of a notebook computer and up to $300 for the loss of a camera or musical instrument.

Personal Money:  Up to $500 for the loss of cash, bank or currency notes, traveller’s cheques, passports, etc., including reasonable expenses incurred as a result of loss.

Excess: $50 for each claim ($100 in the USA).
Territory:  Worldwide, excluding a member’s Home Country and Normal Country of Residence.

Pricing:  $32 per Adult

This option extends the benefit to provide cover for reasonable travel and accommodation for one insured person (together with any minors) per policy necessarily having to travel to and return from the normal Country of Domicile or Country of Residence when:

• A parent 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 $1,500 towards the cost of travel per period of cover and limited to no more than 2 claims in any 5-year period.
• A near relative has unexpectedly been placed on the critical list following an accident.

This is subject to $3,000 towards the cost of travel per incident.

Pricing:   $413 per Policy

A lump sum payment of $100,000 in the event of…

1. Accidental Death
2. Permanent Total Disablement from usual occupation following Accident
3. Loss of and/or loss of use of eyes and/or limbs following Accident

Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.

Pricing:  $228 per Adult

This option will provide the cost of return economy-class travel to the country of the nearest appropriate medical facility, in the event that a member requires inpatient or day patient non-emergency treatment that is unavailable at the member’s current location. Subject to written agreement from us, and certified instructions from the attending medical practitioner or specialist including confirmation that the required treatment is unavailable at the place of incident. Limited to $500 per period of cover (subject to 20% coinsurance).

Emergency travel benefits are included as a standard benefit within the policy.

Note: The option, if purchased, must be applied to all dependents on the policy.

Pricing:  The pricing is based on the premium rate for the Omega policy. You can simply get a quote to see the price. You will have the option to de-select before purchasing.

Includes examinations and tooth cleaning, normal compound fillings, porcelain crowns and extractions, but excludes root canal treatment, false teeth, denture, corrective, orthodontic or cosmetic treatment carried out by a dental surgeon in a dental surgery; up to $250 per insured person per period of cover. This cover is subject to a 6-month waiting period.

Pricing:  $210 per Adult, $54 per Child.

Notes: Only available on Excess 400/100, Excess 800/200 and Deductible 1600/400 plans.
This option is applied to all dependents on the policy.

The cost of routine eye exam and the purchase of vision hardware, when the member’s prescription has changed. Limited to 1 eye exam and a maximum of $250 per insured person per period of cover. Policy excess does not apply to this benefit.

Pricing:  $237 per Adult

Note: The option, if purchased, must be applied to all dependents on the policy.