The Elite Plan is our top-level international health insurance, providing expatriates with leading edge comprehensive coverage, including full emergency room, surgery and outpatient medication benefits, flexible deductible, emergency dental, and hospitalization and intensive care coverage. The Elite Plan also includes 100% maternity benefits, local ambulance service, lab and x-rays, as well as complementary medicines.
Plan highlights*
- $5,000,000 in lifetime maximum
- Worldwide coverage (U.S. optional)
- 3 Deductible options
- Hospitalization (private room)
- Intensive Care Unit
- $2,000,000 Lifetime Transplant benefit
- Outpatient Medication
- 100% Maternity coverage
- Wellness benefits
- Acupuncture and Aromatherapy
- Dental treatment
- Vision benefits
- Emergency Medical Evacuation
Download ELITE Summary of Benefits including the US
Download ELITE Summary of Benefits excluding the US
Benefits |
Elite Option |
| Coverage Area | Two Options: Worldwide Coverage or Worldwide Excluding the US |
| Lifetime Maximum Benefits | $5,000,000 |
| Deductible | $1,000, $2,500 or $5,000 |
| Family Deductible | 2 times the individual Deductible |
| Coinsurance (Applied only when in the US) | 10% up to $500 per year |
| Inpatient Benefits | |
| Hospitalization | 100% Private Room |
| Intensive Care Unit (ICU) | 100% |
| Surgery | 100% |
| Transplant | $2,000,000 Lifetime |
| Outpatient Benefits | |
| Doctor Visits | 100% |
| Outpatient Surgery | 100% |
| Outpatient Medication (RX) | 100% |
| Complementary Medicine | Acupuncture, Aroma, Herbal, Magnetic, Massage and Vitamin Therapy (please refer to the policy terms and conditions for specific benefits). |
| Laboratory Tests | 100% |
| X-Rays, MRI and CT scans | 100% |
| Emergency Room | 100% |
| Local Ambulance | 100% |
| Mental and Nervous | 100% up to $50,000 |
| Radiation Treatment | 100% |
| Home Nursing | 100% |
| Hospice Care | 100% |
| Prosthetic Devices | 100% |
| Physical Therapy | $50 per Visit |
| Wellness (available after 12 months of continuous coverage) | |
| Child Wellness | $400 per period of coverage, not subject to deductible or coinsurance |
| Adult Wellness | $500 per period of coverage, not subject to deductible or coinsurance |
| Dental and Vision Benefits | |
| Emergency Dental due to Accident | 100% |
| Non-Emergency Dental | $750 per period of coverage$50 deductible and co-pay applied |
| Emergency Dental due to Sudden Unexpected Pain | Included in the Non-Emergency benefits |
| Vision | Exams: $100, Materials: $150benefits available after 24 months of coverage and every 2 years) |
| Maternity Benefits | |
| Benefit Available after 12 months of coverage | 100% |
| Pre-Existing Conditions | |
| Coverage Available after 24 months of coverage | 100% (no waiting period applied) |
| Additional Benefits | |
| Emergency Medical Evacuation | 100% |
| Return of Mortal Remains | $50,000 |
