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* Premiums stated are per policy year.            
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Pregnancy Cover
Additional Premium of $723* per Policy for US$4,000 option.
Additional Premium of $994* per Policy for US$10,000 option.
Additional Premium of $994* per Policy for US$25,000 option (10% coinsurance applies)

This option covers pregnancy, childbirth and elective caesarean sections, after the first ten months from its purchase date, for any treatment cost associated with normal pregnancy, or any related condition. Members have three options, either a benefit of US$4,000, US$10,000, or US$25,000. The US$25,000 option is subject to 10% coinsurance without limitation.

Note: Premium for Pregnancy Coverage is doubled the standard rates for female members enrolling without spouse.
Chronic Conditions
Additional Premium of $708* per Adult, $240* per Child.

Please note that 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 US$3,000 per year after the initial diagnosis. This option increases the benefit for routine management and palliative medical expenses incurred in connection with a chronic condition to US$50,000 per year. 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 and dressing, hospital accommodation, nursing, surgery, renal dialysis 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 per period of cover, subjected to the policy 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 $203* per Adult, $52* per Child.

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 US$250 per insured person per period of cover. This cover is subject to a 6-month waiting period.

Note: The option, if purchased, must be applied to all dependants on the policy.
Travel Cover
Additional Premium of $137 per Person.

This is a non medical benefit option that 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 reasonable expenses incurred as a result of loss.


The underwriters shall not be liable for the first US$50 of each claim (US$100 in the USA).

Territorial Limits:

Worldwide, excluding a member's Home Country and Normal Country of Residence.
Combination of the above three options
Additional Premium of $928* per Adult, $394* per Child.

Chronic Conditions + Routine Dental + Travel Cover bought all together for a reduced premium.

Extended Compassionate Travel
Additional Premium of $399* 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 2 claims in any 5-year period.
Term Life Cover
Additional Premium of $ 176 for age 18~49 for US$100,000 option.
Additional Premium of $ 440 for age 18~49 for US$250,000 option.
Additional Premium of $ 352 for age 50~64 for US$50,000 option.
Additional Premium of $ 704 for age 50~64 for US$100,000 option.
Additional Premium of $1,760 for age 50~64 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
Additional Premium of $74 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 50~64-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...

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.
Restricted Cover
This option restricts cover to a maximum of 60 days or US$50,000 per insured year (whichever comes first) for emergency cover of new medical condition which first manifested whilst a member is visiting the following countries:

•   All EU countries
•   United Kingdom
•   Switzerland
•   Australia
•   China
•   Hong Kong
•   Israel
•   Japan
•   Russia
•   Singapore
•   The United Arab Emirates
•   The United States of America

Restricting cover in these high-cost countries reduces the Alpha premiums by 25% from the standard Alpha premiums.

The following discounts on options also apply

•   Pregnancy 5% discount
•   Chronic Conditions 5% discount
•   Routine dental 5% discount
•   Combo option 10% discount

Note: In the event there is a possibility of you travelling to the above mentioned countries, and have no alternate cover there, we highly recommend that you do not include the restricted country option.
Non-Emergency Travel
Please contact us for rates.

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 US$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 dependants on the policy.
Vision Care Option
Additional Premium of $220 per Person.

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 US$250 per insured person per period of cover. Policy excess does not apply to this benefit.

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

* The premium for this option will be reduced by any No Claims Bonus you have.
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