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.
This option must be applied to all dependants on the policy.
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. This cover is subject to a 6-month waiting period.
Travel Cover (Non Medical Benefit)
This is a non medical benefit option that provides straightforward, but effective travel insurance policy that works whilst away from your Home Country and/or Overseas Country of Residence.
Up to US$1,500 reimbursement for unused travel and/or accommodation costs, should you have to cancel or cut short your projected journey for various reasons.
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.
Up to a US$500 reimbursement for the loss of cash, bank or currency notes, traveller's cheques, a passports, etc., including any reasonable expenses following such loss.
Combination of Above
Chronic Conditions + Routine Dental + Travel Cover bought all together for a reduced premium.
Extended Compassionate Travel
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.
This option covers pregnancy and childbirth, after the first 10 months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition. Members have two options, either a benefit of US$4,000, or a benefit of US$10,000.
Note: Pregnancy Coverage is subject to a 10-month waiting period. Premium for Pregnancy Coverage is doubled the standard rates for female members enrolling without spouse.
Personal Accident (Non Medical Benefit)
A lump sum payment of US$100,000 in the event of...
1. Accidental Death: US$100,000 or
2. Permanent Total Disablement from usual occupation following Accident: US$100,000 or
3. Loss of and/or loss of use of eyes and/or limbs following Accident: US$100,000
Please be assured that even without this option you would be covered for treatment of injuries sustained in an accident.
Term Life Cover
For age 18~49 Additional Premium of
- $ 176 for US$100,000 option
- $ 440 for US$250,000 option
For age 50~64 Additional Premium of
- $ 352 for US$50,000 option
- $ 704 for US$100,000 option
- $1,760 for US$250,000 option
Life insurance that provides a flat rate pay out to a nominated beneficiary in the event of death.
Accidental Death and Dismemberment
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 those aged 50~64. Can only be bought in conjunction with Term Life cover.
Our standard rates are published in annual amounts. We prefer annual payments, as we pay our underwriters up front in full for a members payment. We understand however that some members will not be able to afford this. We do have a limited facility that will allow existing members and members from existing groups to pay us on a quarterly basis with no charge. This is a limited facility, and we do ask that where possible members pay off their remaining balance when they are able. Alternatively, we also have a monthly payment option available, but this does have a 4.2% loading to cover our cost of financing.
3-Digit Verification Number
the three-digit Verification Number (also known as CVV) is printed on the signature panel on the back of the card immediately after the card's account number.
A 3-digit number in reverse italics on the back of your credit card.
As many of you are aware TTc only grew from very humble beginnings as a result of members telling others about us because they thought we could also help their friends. Today this is still our largest avenue for growth as you our members continue to tell your friends about us.
In order to reward our members for this valuable service to us TTc have set up our Referral Program. If a member refers a new member to the Alpha program they will receive US$65 off their next renewal premium. If that member refers a new member to the Omega Program they will receive US$115 against their next renewal premium.
Note: The definition of a member is "an adult, whether or not they have dependents enrolling", i.e., a single person, couple or family, all count as a single new membership.
This option excludes the following countries from cover.
- All EU countries
- Hong Kong
Restricting cover from these high-cost countries reduces the Alpha premiums by 25% from the standard Alpha program's premiums.