International Health Insurance Optional Benefits for Professionals

$15,000

$35,000

Paid in Full

$2,500

$7,500

Paid in Full

$1,500

$4,500

Paid in Full

$2,500

$5,000

Paid in Full

We will pay for:

• Outpatient Physiotherapy;
• Outpatient Occupational therapy;
• Osteopathy and Chiropractic treatment;
• Speech therapy; and
• Cardiac and pulmonary rehabilitation.

$5,000

$15,000

Paid in Full

Available once the mother has been covered by the policy for 12 months or more.

Please note, the waiting periods for these benefits may be 24 months depending on your insurance entity. Please contact us for further details.

No coverage

$3,500

$7,000

Available once the beneficiary has been covered by this option for 24 months or more.

Up to a maximum of 4 attempts per lifetime. Available for beneficiaries up to 41 years old.

No coverage

No coverage

$10,000 per lifetime

$1,000

$1,500

$2,000

Available once the beneficiary has been covered by this option for 12 months or more.

$1,000

$2,000

$4,000

Up to a combined maximum of 15 consultations per period of cover.

$2,500

$5,000

Paid in Full

Paid in Full

Paid in Full

Paid in Full

$250

Paid in Full

Paid in Full

$1,000

Paid in Full

Paid in Full

Up to the total limit shown for your selected plan per beneficiary per period of cover.

Paid in Full

Paid in Full

Paid in Full

Up to the total limit shown for your selected plan per beneficiary per period of cover.

$500

$1,000

$1,500

Up to the total limit shown for your selected plan per beneficiary per period of cover.

$500

$1,000

$2,000

If a beneficiary is aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire (and is a special exclusion as detailed on your Certificate of Insurance), we will pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia.

$500

$1,000

$2,000

A deductible is the amount which you must pay before any claims are covered by your plan.

$0 / $150 / $500 / $1,000 / $1,500

$0 / $150 / $500 / $1,000 / $1,500

$0 / $150 / $500 / $1,000 / $1,500

Cost share is the percentage of each claim not covered by your plan.

The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.

The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.

First, choose your cost share percentage:
0% / 10% / 20% / 30%

Your out of pocket maximum is: $3,000

First, choose your cost share percentage:
0% / 10% / 20% / 30%

Your out of pocket maximum is: $3,000

First, choose your cost share percentage:
0% / 10% / 20% / 30%

Your out of pocket maximum is: $3,000

1 eye examination per period of cover

$100

$200

Paid in Full

• Spectacle lenses;
• Contact lenses;
• Spectacle frames;
• Prescription sunglasses.

$155

$155

$310

Per beneficiary per period of cover.

$1,250

$2,500

$5,500

Available once the beneficiary has been covered by this option for 3 months or more.

Paid in Full

Paid in Full

Paid in Full

Available once the beneficiary has been covered by this option for 3 months or more.

80% refund

90% refund

Paid in Full

Available once the beneficiary has been covered by this option for 12 months or more.

70% refund

80% refund

Paid in Full

Available once the beneficiary has been covered by this option for 18 months or more. Only available up to 18 years old.

40% refund

50% refund

50% refund

Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more.

Paid in Full

Paid in Full

Paid in Full

Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals.

Paid in Full

Paid in Full

Paid in Full

Up to 20 face to face counselling sessions per condition per period of cover.

Paid in Full

Paid in Full

Paid in Full

Up to the total limit shown for your selected plan per beneficiary per period of cover.

$325

$650

$900

$325

$650

$2000

$325

$650

Paid in Full

$325

$650

Paid in Full

$325

$650

Paid in Full

$325

$650

Paid in Full

$325

$650

Paid in Full

$325

$650

Paid in Full

1 consultation available to all eligible beneficiaries

Up to 4 consultations per period of cover, if medically necessary.

$325

$650

Paid in Full

Paid in Full

Paid in Full

Paid in Full

The programme provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you're travelling.

FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

FocusPoint International will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover.

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Paid in Full

Up to a maximum of 5 trips per lifetime.

$1,200

$1,200

$1,200

Per day up to 10 days per visit.

$155

$155

$155

$5,000

$650

Unlimited consultations 

This is a combined benefit limit with the consultations with medical practitioners and specialists benefit.

$650

$1,000 

$1,000

$650

$650

$500 

Up to a maximum of 45 days in the period of cover.

$1,500 

$250 

$500 

$1,000 

$1,000 

Paid in full
(Up to the overall annual limit)

Access to a range of confidential services and tools to help with any work, life, personal or family issue. Includes short-term counselling sessions, mindfulness coaching sessions, access to a Cognitive Behavioural Therapy (CBT) programme, and life coaching sessions for career development support, and more.

Your personal wellness coach will help you build a wellness plan to help reach your nutrition, fitness, sleep, stress, weight management, and tobacco cessation goals

$225 

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$225
$400 (Combined limit for all cancer screenings)

Up to the combined maximum amount shown per period of cover.

$400
(Combined aggregate limit)