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Compare Four Coverage Plans
Compare our four coverage plans to find the right fit for you. Major Medical offers essential care, Standard adds more benefits, Comprehensive expands coverage further, and Fully Comprehensive gives you complete, all-inclusive protection.
Plan Summary
Overall Plan Limit (per year)
Major Medical
US $1,000,000
Standard
US $1,000,000
Comprehensive
US $1,000,000
Fully Comprehensive
US $2,000,000
Room and Board incl. general nursing care
Major Medical
Semi-Private
Standard
Semi-Private
Comprehensive
Semi-Private
Fully Comprehensive
Full Cover
Parental Accommodation
Major Medical
No Cover
Standard
No Cover
Comprehensive
No Cover
Fully Comprehensive
Full Cover
Theatre fees, x-rays, meds, appliances
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Intensive Care (Room and Board incl. nursing care)
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Surgeon’s Fees incl. Pre/Post Surgical
Major Medical
US $25,000
Standard
US $25,000
Comprehensive
US $25,000
Fully Comprehensive
Full Cover
Anaesthetist Fees
Major Medical
30% of Surgeon’s Fees
Standard
30% of Surgeon’s Fees
Comprehensive
30% of Surgeon’s Fees
Fully Comprehensive
Full Cover
Major Medical
US $25,000
US $25,000
Professional Fees (Physician, Radiologist, Pathologist)
Standard
US $25,000
Comprehensive
US $25,000
Fully Comprehensive
Full Cover
Rehabilitation Cover
Rehabilitation Cover
Major Medical
No Cover
Standard
No Cover
Comprehensive
Full Cover – 30 Days
Fully Comprehensive
Full Cover – 30 Days
Kidney Dialysis
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Emergency Room Treatment
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Organ Transplant Cover
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $100,000
Fully Comprehensive
Full Cover
Local Ambulance to Hospital
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Hospital Cash Benefit
Major Medical
US $100
Standard
US $100
Comprehensive
US $100
Fully Comprehensive
US $200
Outpatient Surgical
Major Medical
No Cover
Standard
US $25,000
Comprehensive
US $25,000
Fully Comprehensive
Full Cover
Pre-Hospitalisation
Major Medical
No Cover
Standard
US $2,000 – 30 Days Prior
Comprehensive
US $2,000 – 30 Days Prior
Fully Comprehensive
Full Cover
Post Hospitalisation
Major Medical
No Cover
Standard
US $2,000 – 30 Days Prior
Comprehensive
US $2,000 – 30 Days Prior
Fully Comprehensive
Full Cover
GP Consultation Fees
Major Medical
No Cover
Standard
US $750
Comprehensive
US $750
Fully Comprehensive
Full Cover
Specialist Consultation Fees
Major Medical
No Cover
Standard
US $750
Comprehensive
US $750
Fully Comprehensive
Full Cover
Prescribed Medication
Major Medical
No Cover
Comprehensive
US $750
Standard
US $750
Fully Comprehensive
Full Cover
Imaging and Lab Tests
Major Medical
No Cover
Standard
US $750
Comprehensive
US $750
Fully Comprehensive
Full Cover
Physiotherapy
Major Medical
No Cover
Standard
US $750
Comprehensive
US $750
Fully Comprehensive
Full Cover – 10 Visits
Oncology (Outpatient)
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $20,000
Fully Comprehensive
Full Cover
Oncology (Outpatient)
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $20,000
Fully Comprehensive
Full Cover
Alternative Therapies
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $250 – 5 Visits
Fully Comprehensive
Full Cover – 10 Visits
Chronic Conditions Benefit
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $1,000
Fully Comprehensive
US $10,000
Annual Medical Check-ups
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $250 25% Co-insurance
Fully Comprehensive
US $500
Wellbeing Benefits
Vaccinations
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $250 25% Co-insurance
Fully Comprehensive
US $500
Eye-Test
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $250 1 Per Year
Fully Comprehensive
US $250 1 Per Year
Emergency Dental (Relief of Pain Only)
Major Medical
No Cover
Standard
No Cover
Comprehensive
Inpatient Treatment Only
Fully Comprehensive
Full Cover
Dental Benefits
Routine Dental (6 month waiting period)
Major Medical
No Cover
Standard
No Cover
Comprehensive
No Cover
Fully Comprehensive
US $750
Major Dental (6 month waiting period)
Major Medical
No Cover
Standard
No Cover
Comprehensive
US $750 25% Co-insurance
Fully Comprehensive
US $750
Global Security Benefits
Terrorism
Major Medical
US $50,000
Standard
US $100,000
Comprehensive
US $150,000
Fully Comprehensive
Full Cover
Hostage Negotiation
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Hijacking
Major Medical
US $100 Per Day 10 Days
Standard
US $100 Per Day 10 Days
Comprehensive
US $100 Per Day 10 Days
Fully Comprehensive
US $100 Per Day 10 Days
Mugging
Major Medical
US $100 Per Day 5 Days
Standard
US $100 Per Day 5 Days
Comprehensive
US $100 Per Day 5 Days
Fully Comprehensive
US $100 Per Day
Psychology Benefits
24 Hour Psychology Counselling
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
24 Hour Personal Coaching
Major Medical
Full Cover
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
International Assistance Benefits
24 Hour Personal Coaching
Standard
Full Cover
Comprehensive
Full Cover
Fully Comprehensive
Full Cover
Life Cover
Death Benefit
Major Medical
US $10,000
Standard
US $10,000
Comprehensive
US $10,000
Fully Comprehensive
US $10,000
Optional Benefits
Where an additional premium has been paid
Evacuation & Repatriation
Major Medical
US $100,000
Standard
US $100,000
Comprehensive
US $100,000
Fully Comprehensive
US $100,000
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