Seguro Internacional | Full
Global-80 2700- Only US/CA
Deductible: 2.700 USD and Max. Coverage: 2.025.000 USD/Year
Consult
Administrators
A Plus International Services Limited
Room 4, 17 th Floor, Westlands Centre,
20 Westlands Road, Quarry Bay,
Hong Kong China S.A.R.
Tel: + 852 2891 3608
Fax: + 852 2891 3229
Email: [email protected]
Concepts and trademarks
are licensed from
A Plus International Insurance Development AG
CH-8032 Zurich, Switzerland
www.aplusii.com
Your Health First
Worldwide Plans
Benefits Table
effective 1/1/2022
A Plus International Services Limited
Room 4, 17 th Floor, Westlands Centre,
20 Westlands Road, Quarry Bay,
Hong Kong China S.A.R.
Tel: + 852 2891 3608
Fax: + 852 2891 3229
Email: [email protected]
Concepts and trademarks
are licensed from
A Plus International Insurance Development AG
CH-8032 Zurich, Switzerland
www.aplusii.com
Your Health First
Worldwide Plans
Benefits Table
effective 1/1/2022
Benefits Table
- effective 1/1/2022
Note: The General Conditions
can be provided upon request
or downloaded from
www.aplusii.com
Important notice:
1) Only expenses which are ‘reasonable & customary’ can qualify for reimbursement. (for all
plans and options)
2) Unless indicated otherwise, all ceilings mentioned in this table are applicable per Insured
and per Insurance Year.
3) For definitions of the terms used in this table, reference is explicitly made to article 1.2.
(‘Definitions’) of Chapter I of the General Conditions.
4) Pre-existing conditions are covered subject to acceptance by the medical consultant at
the time of enrolment.
Level of cover is according to the limits of the plan chosen.
Hospitalisation Global 80 Global 100 Global 100 Plus
BENEFITS a) Hospitalisation a) Hospitalisation
b) Outpatient 80%
c) Other Benefits
a) Hospitalisation
b) Outpatient 100%
c) Other Benefits
a) Hospitalisation
b) Outpatient 100%
c) Maternity treatment
d) Other Benefits
Maximum total
reimbursement per Insured
and per insurance year
Premiums and claims shall be
payable in US$, EUR, GBP or CHF,
according to the currency in which
the policy has been concluded. *
$ 1,350,000
€ 1,000,000
GBP 900,000
CHF 1,500,000
$ 2,025,000
€ 1,500,000
GBP 1,350,000
CHF 2,250,000
$ 4,050,000
€ 3,000,000
GBP 2,700,000
CHF 4,500,000
$ 4,050,000
€ 3,000,000
GBP 2,700,000
CHF 4,500,000
Hospitalisation Global 80 Global 100 Global 100 Plus
1. Inpatient Care (with overnight stay in hospital)
Important: Precertification is always required except in case of emergency (see article 2.1.3.4. ‘precertification’ in General
Conditions). Failure to comply with the precertification requirement could lead to a reduction of the reimbursement.
Hospital accommodation
- Room & board (standard private
room or semi-private if private
room is not available) Full Cover Full Cover Full Cover Full Cover
- Intensive Care Unit (ICU) Full Cover Full Cover Full Cover Full Cover
- One accompanying parent for
child under age 16 having to stay
overnight in hospital
Full Cover
up to 14 days
Full Cover
up to 14 days
Full Cover
up to 14 days
Full Cover
up to 14 days
Doctors' fees (including surgeon's &
anaesthetist's fees) Full Cover Full Cover Full Cover Full Cover
Other medical expenses, including:
- use of operating room and recovery room
- lab exams / - medical imaging (X-ray,
CT, MRI, etc.)
- prescription drugs and dressings
- physiotherapy
- logopaedic treatment, speech therapy,
occupational therapy and ergo therapy
Full Cover Full Cover Full Cover Full Cover
Cancer treatment (e.g. radiotherapy,
chemotherapy) and diabetes, kidney dialysis,
excluding all experimental treatments
Full Cover Full Cover Full Cover Full Cover
Psychiatric inpatient hospital care
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Accidental Damage to teeth (treatment
received in an emergency ward of a hospital
within 5 days of incurring an accidental
damage to sound and natural teeth)
Full Cover Full Cover Full Cover Full Cover
* Euro, GBP and CHF only available to residents in the European Union and Switzerland
- effective 1/1/2022
Note: The General Conditions
can be provided upon request
or downloaded from
www.aplusii.com
Important notice:
1) Only expenses which are ‘reasonable & customary’ can qualify for reimbursement. (for all
plans and options)
2) Unless indicated otherwise, all ceilings mentioned in this table are applicable per Insured
and per Insurance Year.
3) For definitions of the terms used in this table, reference is explicitly made to article 1.2.
(‘Definitions’) of Chapter I of the General Conditions.
4) Pre-existing conditions are covered subject to acceptance by the medical consultant at
the time of enrolment.
Level of cover is according to the limits of the plan chosen.
Hospitalisation Global 80 Global 100 Global 100 Plus
BENEFITS a) Hospitalisation a) Hospitalisation
b) Outpatient 80%
c) Other Benefits
a) Hospitalisation
b) Outpatient 100%
c) Other Benefits
a) Hospitalisation
b) Outpatient 100%
c) Maternity treatment
d) Other Benefits
Maximum total
reimbursement per Insured
and per insurance year
Premiums and claims shall be
payable in US$, EUR, GBP or CHF,
according to the currency in which
the policy has been concluded. *
$ 1,350,000
€ 1,000,000
GBP 900,000
CHF 1,500,000
$ 2,025,000
€ 1,500,000
GBP 1,350,000
CHF 2,250,000
$ 4,050,000
€ 3,000,000
GBP 2,700,000
CHF 4,500,000
$ 4,050,000
€ 3,000,000
GBP 2,700,000
CHF 4,500,000
Hospitalisation Global 80 Global 100 Global 100 Plus
1. Inpatient Care (with overnight stay in hospital)
Important: Precertification is always required except in case of emergency (see article 2.1.3.4. ‘precertification’ in General
Conditions). Failure to comply with the precertification requirement could lead to a reduction of the reimbursement.
Hospital accommodation
- Room & board (standard private
room or semi-private if private
room is not available) Full Cover Full Cover Full Cover Full Cover
- Intensive Care Unit (ICU) Full Cover Full Cover Full Cover Full Cover
- One accompanying parent for
child under age 16 having to stay
overnight in hospital
Full Cover
up to 14 days
Full Cover
up to 14 days
Full Cover
up to 14 days
Full Cover
up to 14 days
Doctors' fees (including surgeon's &
anaesthetist's fees) Full Cover Full Cover Full Cover Full Cover
Other medical expenses, including:
- use of operating room and recovery room
- lab exams / - medical imaging (X-ray,
CT, MRI, etc.)
- prescription drugs and dressings
- physiotherapy
- logopaedic treatment, speech therapy,
occupational therapy and ergo therapy
Full Cover Full Cover Full Cover Full Cover
Cancer treatment (e.g. radiotherapy,
chemotherapy) and diabetes, kidney dialysis,
excluding all experimental treatments
Full Cover Full Cover Full Cover Full Cover
Psychiatric inpatient hospital care
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Full Cover up to
$ 13,500 / € 10,000
/ GBP 9,000
/ CHF 15,000
Accidental Damage to teeth (treatment
received in an emergency ward of a hospital
within 5 days of incurring an accidental
damage to sound and natural teeth)
Full Cover Full Cover Full Cover Full Cover
* Euro, GBP and CHF only available to residents in the European Union and Switzerland
Reconstructive Surgery following an accident Full Cover Full Cover Full Cover Full Cover
Hospital Cash Benefit: daily allowance,
only when room, board & treatment
costs are not claimed to the policy
$ 67.50 / € 50 /
GBP 45 / CHF 75
per night
up to 60 nights
$ 135 / € 100 /
GBP 90 / CHF 150
per night
up to 60 nights
$ 270 / € 200 /
GBP 180 / CHF 300
per night
up to 60 nights
$ 270 / € 200 /
GBP 180 / CHF 300
per night
up to 60 nights
Organ transplant
We cover doctors’ fees, hospital
accommodation (standard private
room) and other related medical
expenses during hospital stay.
Excluded from cover: costs related
to the search for a donor, costs for
acquisition of the organ, costs incurred
for removal of organ from the donor
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Rehabilitation and convalescence rest /
care (when the admission immediately
follows hospitalisation)
Full Cover
up to 30 days
Full Cover
up to 30 days
Full Cover
up to 60 days
Full Cover
up to 60 days
Hospitalisation Global 80 Global 100 Global 100 Plus
2. Outpatient Care
GP
Fees of a GP (General Practitioner,
Family Doctor)
Not Covered 80% Full Cover Full Cover
Specialist
Fees of a Specialist Doctor Not Covered 80% Full Cover Full Cover
Consultations, Diagnosis tests,lab
tests, medical imaging (cf. X-Ray,
Ct, MRI, etc.) by GP and Specialist,
Prescribed Drugs, Treatments by
Physiotherapists related to inpatient
treatments within 15 days prior to
admission and up to 30 days following
hospital release
Up to maximum of
$ 2,000 / € 1,500 /
GBP 1,333 /
CHF 3,000 /
if related to Inpatient
treatment
Full Cover Full Cover Full Cover
Outpatient psychiatric care, ergotherapy,
logopaedics and / or speech therapy,
occupational therapy
Only care prescribed by or performed by
a Doctor can qualify for reimbursement.
The covered amount includes fees of
Doctor and / or (treatment fees of) Medical
Practitioner, but does not include prescription
drugs which are covered according to the
provisions of paragraph below.
Not Covered
50% up to
$ 1,350 /
€ 1,000 /
GBP 900 /
CHF 1,500
50% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
50% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Prescription drugs
Only drugs that are prescribed by
a Doctor and that are not available
without prescription can be reimbursed.
Not Covered 80% Full Cover Full Cover
Diagnostic tests, lab tests, medical
imaging (cf. X-ray, CT, MRI, etc.) Not Covered 80% Full Cover Full Cover
Traditional Chinese Medicine Not Covered 80% Full Cover Full Cover
Cancer treatment (e.g. radiotherapy,
chemotherapy) and diabetes, kidney dialysis,
excluding all experimental treatments
Full Cover Full Cover Full Cover Full Cover
Physiotherapy prescribed by a Doctor Not Covered
80% up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Medical aids (including hearing aids,
orthopaedic appliances & stockings,
artificial limbs, wheelchair)
Not Covered
80% up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Treatments performed by
Complementary Medical
Practitioners:
Chiropractor / Osteopath /
Acupuncturist / Homeopath
These treatments must be prescribed
by a registered medical Doctor.
Not Covered
80% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Day surgery (outpatient surgery) Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Preventive care & wellness benefits
A waiting period of 12 months applies
- well baby care
- medically required vaccinations
(adults & children)
- one routine eye test per insurance year
- one adult physical examination every 2
years including:
- one (bilateral) mammogram and
one pap-smear test every 2
years (females as of age 35)
- one PSA-test every 2 years
(males as of age 50)
Not Covered
Full Cover
combined cover of
up to
$ 675 /
€ 500 /
GBP 450 /
CHF 750
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
3. Medical Evacuation and Repatriation Services * (Prior Approval from Insurer compulsory)
Evacuation / Repatriation
Emergency medical evacuation to the nearest hospital or emergency medical repatriation Full Cover
Transportation of mortal remains or burial at the place of death Full Cover
Compassionate Visit by a relative of the Insured
(Applicable when hospitalisation in excess of 5 consecutive days)
One economy class return airfare
Accommodation for compassionate visit by a relative accompanying the insured
Full Cover
$ 125 / € 100 / GBP 80 / CHF 150 per day (Max 7 days)
Return of minor children (<19, unmarried and at school) if left alone when Insured
is hospitalised. One-way economy class airfare per eligible child Full Cover
Early Return
One economy class return airfare Full Cover
Temporary replacement colleague (transport costs) Full Cover
For complete terms and conditions and explanation of benefits, refer to Chapter III of the General Conditions
Hospitalisation Global 80 Global 100 Global 100 Plus
4. Other Benefits
Local ambulance to nearest hospital
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Dental treatment following an accident
(surgical reconstruction covered
under hospitalisation benefits)
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Nursing at home Not Covered
80%. Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
* This service is provided by AXA Assistance
Hospital Cash Benefit: daily allowance,
only when room, board & treatment
costs are not claimed to the policy
$ 67.50 / € 50 /
GBP 45 / CHF 75
per night
up to 60 nights
$ 135 / € 100 /
GBP 90 / CHF 150
per night
up to 60 nights
$ 270 / € 200 /
GBP 180 / CHF 300
per night
up to 60 nights
$ 270 / € 200 /
GBP 180 / CHF 300
per night
up to 60 nights
Organ transplant
We cover doctors’ fees, hospital
accommodation (standard private
room) and other related medical
expenses during hospital stay.
Excluded from cover: costs related
to the search for a donor, costs for
acquisition of the organ, costs incurred
for removal of organ from the donor
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Full Cover
(Prior approval
from the Insurer’s
Medical Consultant)
Rehabilitation and convalescence rest /
care (when the admission immediately
follows hospitalisation)
Full Cover
up to 30 days
Full Cover
up to 30 days
Full Cover
up to 60 days
Full Cover
up to 60 days
Hospitalisation Global 80 Global 100 Global 100 Plus
2. Outpatient Care
GP
Fees of a GP (General Practitioner,
Family Doctor)
Not Covered 80% Full Cover Full Cover
Specialist
Fees of a Specialist Doctor Not Covered 80% Full Cover Full Cover
Consultations, Diagnosis tests,lab
tests, medical imaging (cf. X-Ray,
Ct, MRI, etc.) by GP and Specialist,
Prescribed Drugs, Treatments by
Physiotherapists related to inpatient
treatments within 15 days prior to
admission and up to 30 days following
hospital release
Up to maximum of
$ 2,000 / € 1,500 /
GBP 1,333 /
CHF 3,000 /
if related to Inpatient
treatment
Full Cover Full Cover Full Cover
Outpatient psychiatric care, ergotherapy,
logopaedics and / or speech therapy,
occupational therapy
Only care prescribed by or performed by
a Doctor can qualify for reimbursement.
The covered amount includes fees of
Doctor and / or (treatment fees of) Medical
Practitioner, but does not include prescription
drugs which are covered according to the
provisions of paragraph below.
Not Covered
50% up to
$ 1,350 /
€ 1,000 /
GBP 900 /
CHF 1,500
50% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
50% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Prescription drugs
Only drugs that are prescribed by
a Doctor and that are not available
without prescription can be reimbursed.
Not Covered 80% Full Cover Full Cover
Diagnostic tests, lab tests, medical
imaging (cf. X-ray, CT, MRI, etc.) Not Covered 80% Full Cover Full Cover
Traditional Chinese Medicine Not Covered 80% Full Cover Full Cover
Cancer treatment (e.g. radiotherapy,
chemotherapy) and diabetes, kidney dialysis,
excluding all experimental treatments
Full Cover Full Cover Full Cover Full Cover
Physiotherapy prescribed by a Doctor Not Covered
80% up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Medical aids (including hearing aids,
orthopaedic appliances & stockings,
artificial limbs, wheelchair)
Not Covered
80% up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
Treatments performed by
Complementary Medical
Practitioners:
Chiropractor / Osteopath /
Acupuncturist / Homeopath
These treatments must be prescribed
by a registered medical Doctor.
Not Covered
80% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Day surgery (outpatient surgery) Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Preventive care & wellness benefits
A waiting period of 12 months applies
- well baby care
- medically required vaccinations
(adults & children)
- one routine eye test per insurance year
- one adult physical examination every 2
years including:
- one (bilateral) mammogram and
one pap-smear test every 2
years (females as of age 35)
- one PSA-test every 2 years
(males as of age 50)
Not Covered
Full Cover
combined cover of
up to
$ 675 /
€ 500 /
GBP 450 /
CHF 750
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
3. Medical Evacuation and Repatriation Services * (Prior Approval from Insurer compulsory)
Evacuation / Repatriation
Emergency medical evacuation to the nearest hospital or emergency medical repatriation Full Cover
Transportation of mortal remains or burial at the place of death Full Cover
Compassionate Visit by a relative of the Insured
(Applicable when hospitalisation in excess of 5 consecutive days)
One economy class return airfare
Accommodation for compassionate visit by a relative accompanying the insured
Full Cover
$ 125 / € 100 / GBP 80 / CHF 150 per day (Max 7 days)
Return of minor children (<19, unmarried and at school) if left alone when Insured
is hospitalised. One-way economy class airfare per eligible child Full Cover
Early Return
One economy class return airfare Full Cover
Temporary replacement colleague (transport costs) Full Cover
For complete terms and conditions and explanation of benefits, refer to Chapter III of the General Conditions
Hospitalisation Global 80 Global 100 Global 100 Plus
4. Other Benefits
Local ambulance to nearest hospital
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Dental treatment following an accident
(surgical reconstruction covered
under hospitalisation benefits)
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Nursing at home Not Covered
80%. Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
* This service is provided by AXA Assistance
Treatments performed by
Complementary Medical
Practitioners:
Chiropractor / Osteopath /
Acupuncturist / Homeopath
These treatments must be prescribed
by a registered medical Doctor.
Not Covered
80% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Day-care treatment and Day surgery Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Preventive care & wellness benefits
A waiting period of 12 months applies
- well baby care
- medically required vaccinations
(adults & children)
- one routine eye test per insurance year
- one adult physical examination every 2
years including:
- one (bilateral) mammogram and
one pap-smear test every 2
years (females as of age 35)
- one PSA-test every 2 years
(males as of age 50)
Not Covered
Full Cover
combined cover of
up to
$ 675 /
€ 500 /
GBP 450 /
CHF 750
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
3. Medical Evacuation and Repatriation Services * (Prior Approval from Insurer compulsory)
Evacuation / Repatriation
Emergency medical evacuation to the nearest hospital or emergency medical repatriation Full Cover
Transportation of mortal remains or burial at the place of death Full Cover
Compassionate Visit by a relative of the Insured
(Applicable when hospitalisation in excess of 5 consecutive days)
One economy class return airfare
Accommodation for compassionate visit by a relative accompanying the insured
Full Cover
$ 125 / € 100 / GBP 80 / CHF 150 per day (Max 7 days)
Return of minor children (<19, unmarried and at school) if left alone when Insured
is hospitalised. One-way economy class airfare per eligible child Full Cover
Early Return
One economy class return airfare Full Cover
Temporary replacement colleague (transport costs) Full Cover
For complete terms and conditions and explanation of benefits, refer to Chapter III of the General Conditions
Hospitalisation Global 80 Global 100 Global 100 Plus
4. Other Benefits
Local ambulance to nearest hospital
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Dental treatment following an accident
(surgical reconstruction covered
under hospitalisation benefits)
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Nursing at home Not Covered
80%. Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
* This service is provided by AXA Assistance
Complementary Medical
Practitioners:
Chiropractor / Osteopath /
Acupuncturist / Homeopath
These treatments must be prescribed
by a registered medical Doctor.
Not Covered
80% up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Full Cover up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
Day-care treatment and Day surgery Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Full Cover
(precertification
required)
Preventive care & wellness benefits
A waiting period of 12 months applies
- well baby care
- medically required vaccinations
(adults & children)
- one routine eye test per insurance year
- one adult physical examination every 2
years including:
- one (bilateral) mammogram and
one pap-smear test every 2
years (females as of age 35)
- one PSA-test every 2 years
(males as of age 50)
Not Covered
Full Cover
combined cover of
up to
$ 675 /
€ 500 /
GBP 450 /
CHF 750
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
Full Cover
combined cover of
up to
$ 1,012.50 /
€ 750 /
GBP 675 /
CHF 1,125
3. Medical Evacuation and Repatriation Services * (Prior Approval from Insurer compulsory)
Evacuation / Repatriation
Emergency medical evacuation to the nearest hospital or emergency medical repatriation Full Cover
Transportation of mortal remains or burial at the place of death Full Cover
Compassionate Visit by a relative of the Insured
(Applicable when hospitalisation in excess of 5 consecutive days)
One economy class return airfare
Accommodation for compassionate visit by a relative accompanying the insured
Full Cover
$ 125 / € 100 / GBP 80 / CHF 150 per day (Max 7 days)
Return of minor children (<19, unmarried and at school) if left alone when Insured
is hospitalised. One-way economy class airfare per eligible child Full Cover
Early Return
One economy class return airfare Full Cover
Temporary replacement colleague (transport costs) Full Cover
For complete terms and conditions and explanation of benefits, refer to Chapter III of the General Conditions
Hospitalisation Global 80 Global 100 Global 100 Plus
4. Other Benefits
Local ambulance to nearest hospital
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,025 / € 1,500 /
GBP 1,350 /
CHF 2,250
Dental treatment following an accident
(surgical reconstruction covered
under hospitalisation benefits)
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Covered under
Accidental Damage
to teeth
Nursing at home Not Covered
80%. Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
Full Cover.
Annual max.
reimbursement of
$ 2,700 / € 2,000 /
GBP 1,800 /
CHF 3,000
up to 60 days
* This service is provided by AXA Assistance
Maternity
- waiting period of 12 months applies
- benefit limits on a per pregnancy basis
- elective caesarean surgery excluded
80%
- Pregnancy Not Covered 80% up to $12,000 Not Covered
80% up to
$ 12,000 /
€ 8,900 /
GBP 8,000 /
CHF13,350
- Childbirth
The covered amount includes doctors’
fees, hospital accommodation and other
related medical expenses during
hospital stay.
Not Covered Not Covered Not Covered
- Prescribed Caesarean Not Covered Not Covered Not Covered
Chronic Conditions (not pre-existing): Covered Covered Covered Covered
Complication of Pregnancy Covered Covered Covered Covered
Congenital Conditions Covered Covered Covered Covered
AIDS / HIV Treatment Covered Covered Covered Covered
Hormone Replacement therapy Covered Covered Covered Covered
Expenses related to sterilisation
(waiting period of 12 months applies)
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
Hospice and palliative care in case of
Terminal Illness
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
Note: ‘Covered’ means treatment is reimbursed according to the limits of the plan chosen.
Additional Options
5. Dental and Optical
Eligibility
The optional dental insurance is only open to persons a) who are accepted into the medical insurance plan and b) who are
contracting into the Global 80, Global 100 or Global 100 Plus medical plans.
Dental & Optical plans are not available with Deductible of $ 6,750 / € 5,000 / GBP 4,500 / CHF 7,500.
The choice for taking out the dental insurance has to be made on per family level in the sense that all members of the same family, i.e.
the Insured and his / her dependants who are accepted into the medical insurance, have to a) take out the dental insurance or not (i.e.
all family members or none); b) opt for the same Dental and Optical plan (Dental & Optical Standard or Dental & Optical Plus).
Benefits
Deductibles do not apply to Dental & Optical benefits. Only expenses that are ‘reasonable and customary’ can qualify for
reimbursement, subject to the limits and ceilings as mentioned in following benefit table.
Dental and Optical Standard Dental and Optical Plus
Max. reimbursement per insured per year $ 3,375 / € 2,500 /
GBP 2,250 / CHF 3,750
$ 6,750 / € 5,000 /
GBP 4,500 / CHF 7,500
Basic dental care
Includes up to 2 periodic check-ups per year,
prophylactic treatments, fillings, root canal
treatment, extraction, paradental treatment,
treatment of paradontosis, treatment of gums, etc.
A waiting period of 6 months applies.
80% up to
$ 2,025 /
€ 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Major dentistry
Bridges, implants, orthodontic treatment and dental
prostheses (dentures, crowns, inlays). The amount covered
includes the fees of the Dentist (or Dental Surgeon).
Orthodontic treatment is only covered if started
before age 17 (seventeen).
A waiting period of 12 months applies.
80% up to
$ 1,350 /
€ 1,000 /
GBP 900 /
CHF 1,500
80% up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
- waiting period of 12 months applies
- benefit limits on a per pregnancy basis
- elective caesarean surgery excluded
80%
- Pregnancy Not Covered 80% up to $12,000 Not Covered
80% up to
$ 12,000 /
€ 8,900 /
GBP 8,000 /
CHF13,350
- Childbirth
The covered amount includes doctors’
fees, hospital accommodation and other
related medical expenses during
hospital stay.
Not Covered Not Covered Not Covered
- Prescribed Caesarean Not Covered Not Covered Not Covered
Chronic Conditions (not pre-existing): Covered Covered Covered Covered
Complication of Pregnancy Covered Covered Covered Covered
Congenital Conditions Covered Covered Covered Covered
AIDS / HIV Treatment Covered Covered Covered Covered
Hormone Replacement therapy Covered Covered Covered Covered
Expenses related to sterilisation
(waiting period of 12 months applies)
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
One sterilisation
per insured and per
lifetime
Hospice and palliative care in case of
Terminal Illness
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
$ 100,000 /
€ 75,000 /
GBP 65,000 /
CHF 90,000
per insured and per
lifetime
Note: ‘Covered’ means treatment is reimbursed according to the limits of the plan chosen.
Additional Options
5. Dental and Optical
Eligibility
The optional dental insurance is only open to persons a) who are accepted into the medical insurance plan and b) who are
contracting into the Global 80, Global 100 or Global 100 Plus medical plans.
Dental & Optical plans are not available with Deductible of $ 6,750 / € 5,000 / GBP 4,500 / CHF 7,500.
The choice for taking out the dental insurance has to be made on per family level in the sense that all members of the same family, i.e.
the Insured and his / her dependants who are accepted into the medical insurance, have to a) take out the dental insurance or not (i.e.
all family members or none); b) opt for the same Dental and Optical plan (Dental & Optical Standard or Dental & Optical Plus).
Benefits
Deductibles do not apply to Dental & Optical benefits. Only expenses that are ‘reasonable and customary’ can qualify for
reimbursement, subject to the limits and ceilings as mentioned in following benefit table.
Dental and Optical Standard Dental and Optical Plus
Max. reimbursement per insured per year $ 3,375 / € 2,500 /
GBP 2,250 / CHF 3,750
$ 6,750 / € 5,000 /
GBP 4,500 / CHF 7,500
Basic dental care
Includes up to 2 periodic check-ups per year,
prophylactic treatments, fillings, root canal
treatment, extraction, paradental treatment,
treatment of paradontosis, treatment of gums, etc.
A waiting period of 6 months applies.
80% up to
$ 2,025 /
€ 1,500 /
GBP 1,350 /
CHF 2,250
Full Cover up to
$ 2,700 /
€ 2,000 /
GBP 1,800 /
CHF 3,000
Major dentistry
Bridges, implants, orthodontic treatment and dental
prostheses (dentures, crowns, inlays). The amount covered
includes the fees of the Dentist (or Dental Surgeon).
Orthodontic treatment is only covered if started
before age 17 (seventeen).
A waiting period of 12 months applies.
80% up to
$ 1,350 /
€ 1,000 /
GBP 900 /
CHF 1,500
80% up to
$ 4,050 /
€ 3,000 /
GBP 2,700 /
CHF 4,500
6. Currency Plans can be subscribed in US dollars, Euro, Great Britain Pound (GBP) or Swiss Francs (CHF)
7. Cover Area - Worldwide
- Worldwide Excluding USA / Canada
8. Deductible US$ EUR GBP CHF
Applicable only to benefits of the 4 main plans,
per insured and per insurance year.
0 0 0 0
Available for all 4 medical plans675 500 450 750
1,350 1,000 900 1,500
2,700 2,000 1,800 3,000 Only available with Global 80,
Global 100 or Global 100 Plus6,750 5,000 4,500 7,500
9. Accidental death and dismemberment (AD&D) - Not available to Hong Kong applicants and policies subscribed in Hong Kong
This cover will guarantee the payment of a lump sum in case you die in an accident or you incur a permanent disability of
at least 20% caused by an accident.
Lump Sum after accidental death
- up to a maximum of US$ 675,000 / € 500,000 / GBP 450,000 / CHF 750,000 with a minimum of US$ 67,500 / € 50,000 /
GBP 45,000 / CHF 75,000
- cover is available for you and your adult dependants
Lump Sum after permanent disability
- from at least a permanent disability degree of 20%;
- cash benefit = sum insured x degree of disability
10. Loss of Income (TI / PD) - Not available to Hong Kong applicants and policies subscribed in Hong Kong
Temporary incapacity (TI)
With the temporary incapacity plan option, you will feel more secure knowing your family will be protected financially if you are
totally unable to perform your professional occupation due to illness or accident. You can choose the level of income benefit
that is appropriate to you and your family:
- up to 80% of pre-disability gross monthly salary;
- subject to a maximum of $ 13,500 / € 10,000 / GBP 9,000 / CHF 15,000 per month and a minimum of $ 1,350 / € 1,000 /
GBP 900 / CHF 1,500.
Income protection during 24 months
We will pay you a regular income for as long as you are unable to return to work. After a waiting period of 90 days, the income
will start up to a maximum of 24 months.
If you are still unable to resume work after 24 months then you will receive a lump sum through the Permanent Disability plan
if the PD option below has been contracted.
Permanent disability (PD) (can be taken out only as supplement option to Temporary Incapacity)
With this option, you receive a lump sum in case you are affected by a permanent disability of at least 33.33% caused by
illness or accident. You can choose the level of sum insured that is appropriate to you:
- up to 80% of pre-disability gross monthly salary multiplied by 48 months;
- subject to a maximum of $ 648,000 / € 480,000 / GBP 432,000 / CHF 720,000 and a minimum of $ 64,800 / € 48,000 /
GBP 43,200 / CHF 72,000;
- when disability is between 33.33% and 66.67%, then cash benefit = sum insured x ((3 x n) - 1), n = degree of disability (%);
- when disability is above 66.67%, then cash benefit = sum insured.
Additional payment of $ 33,750 / € 25,000 / GBP 22,500 / CHF 37,500
If from the start of the disability you need the assistance of a third person to perform the basic activities of daily living (such as
feeding, washing yourself) and your degree of disability exceeds 66.67%, then an additional sum of $ 33,750 / € 25,000 /
GBP 22,500 / CHF 37,500 will be paid.
Vision care
Glasses, frames, contact lenses.
Sunglasses are excluded from cover.
80% up to
$ 135 / € 100 /
GBP 90 / CHF 150
Full Cover up to
$ 270 / € 200 /
GBP 180 / CHF 300
Administrators
A Plus International Services Limited
Room 4, 17th Floor, Westlands Centre,
20 Westlands Road, Quarry Bay,
Hong Kong China S.A.R.
Tel: + 852 2891 3608
Fax: + 852 2891 3229
Email: [email protected]
Concepts and trademarks
are licensed from
A Plus International Insurance Development AG
CH-8032 Zurich, Switzerland
www.aplusii.com
Worldwide Plans
Benefits Table
effective 1/1/2018
Your Health First
7. Cover Area - Worldwide
- Worldwide Excluding USA / Canada
8. Deductible US$ EUR GBP CHF
Applicable only to benefits of the 4 main plans,
per insured and per insurance year.
0 0 0 0
Available for all 4 medical plans675 500 450 750
1,350 1,000 900 1,500
2,700 2,000 1,800 3,000 Only available with Global 80,
Global 100 or Global 100 Plus6,750 5,000 4,500 7,500
9. Accidental death and dismemberment (AD&D) - Not available to Hong Kong applicants and policies subscribed in Hong Kong
This cover will guarantee the payment of a lump sum in case you die in an accident or you incur a permanent disability of
at least 20% caused by an accident.
Lump Sum after accidental death
- up to a maximum of US$ 675,000 / € 500,000 / GBP 450,000 / CHF 750,000 with a minimum of US$ 67,500 / € 50,000 /
GBP 45,000 / CHF 75,000
- cover is available for you and your adult dependants
Lump Sum after permanent disability
- from at least a permanent disability degree of 20%;
- cash benefit = sum insured x degree of disability
10. Loss of Income (TI / PD) - Not available to Hong Kong applicants and policies subscribed in Hong Kong
Temporary incapacity (TI)
With the temporary incapacity plan option, you will feel more secure knowing your family will be protected financially if you are
totally unable to perform your professional occupation due to illness or accident. You can choose the level of income benefit
that is appropriate to you and your family:
- up to 80% of pre-disability gross monthly salary;
- subject to a maximum of $ 13,500 / € 10,000 / GBP 9,000 / CHF 15,000 per month and a minimum of $ 1,350 / € 1,000 /
GBP 900 / CHF 1,500.
Income protection during 24 months
We will pay you a regular income for as long as you are unable to return to work. After a waiting period of 90 days, the income
will start up to a maximum of 24 months.
If you are still unable to resume work after 24 months then you will receive a lump sum through the Permanent Disability plan
if the PD option below has been contracted.
Permanent disability (PD) (can be taken out only as supplement option to Temporary Incapacity)
With this option, you receive a lump sum in case you are affected by a permanent disability of at least 33.33% caused by
illness or accident. You can choose the level of sum insured that is appropriate to you:
- up to 80% of pre-disability gross monthly salary multiplied by 48 months;
- subject to a maximum of $ 648,000 / € 480,000 / GBP 432,000 / CHF 720,000 and a minimum of $ 64,800 / € 48,000 /
GBP 43,200 / CHF 72,000;
- when disability is between 33.33% and 66.67%, then cash benefit = sum insured x ((3 x n) - 1), n = degree of disability (%);
- when disability is above 66.67%, then cash benefit = sum insured.
Additional payment of $ 33,750 / € 25,000 / GBP 22,500 / CHF 37,500
If from the start of the disability you need the assistance of a third person to perform the basic activities of daily living (such as
feeding, washing yourself) and your degree of disability exceeds 66.67%, then an additional sum of $ 33,750 / € 25,000 /
GBP 22,500 / CHF 37,500 will be paid.
Vision care
Glasses, frames, contact lenses.
Sunglasses are excluded from cover.
80% up to
$ 135 / € 100 /
GBP 90 / CHF 150
Full Cover up to
$ 270 / € 200 /
GBP 180 / CHF 300
Administrators
A Plus International Services Limited
Room 4, 17th Floor, Westlands Centre,
20 Westlands Road, Quarry Bay,
Hong Kong China S.A.R.
Tel: + 852 2891 3608
Fax: + 852 2891 3229
Email: [email protected]
Concepts and trademarks
are licensed from
A Plus International Insurance Development AG
CH-8032 Zurich, Switzerland
www.aplusii.com
Worldwide Plans
Benefits Table
effective 1/1/2018
Your Health First