Elite Plan

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 Plan Summary of Benefits including the US  

Download ELITE plan Summary of Benefits excluding the US  

Benefits of ELITE Plan

BenefitsElite Option
Coverage AreaTwo Options: Worldwide Coverage or Worldwide Excluding the US
Lifetime Maximum Benefits$5,000,000
Deductible$1,000, $2,500 or $5,000
Family Deductible2 times the individual Deductible
Coinsurance (Applied only when in the US)10% up to $500 per year
Inpatient Benefits
Hospitalization100% Private Room
Intensive Care Unit (ICU)100%
Transplant$2,000,000 Lifetime
Outpatient Benefits
Doctor Visits100%
Outpatient Surgery100%
Outpatient Medication (RX)100%
Complementary MedicineAcupuncture, Aroma, Herbal, Magnetic, Massage and Vitamin Therapy (please refer to the policy terms and conditions for specific benefits).
Laboratory Tests100%
X-Rays, MRI and CT scans100%
Emergency Room100%
Local Ambulance100%
Mental and Nervous100% up to $50,000
Radiation Treatment100%
Home Nursing100%
Hospice Care100%
Prosthetic Devices100%
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 Accident100%
Non-Emergency Dental$750 per period of coverage$50 deductible and co-pay applied
Emergency Dental due to Sudden Unexpected PainIncluded in the Non-Emergency benefits
VisionExams: $100, Materials: $150benefits available after 24 months of coverage and every 2 years)
Maternity Benefits
Benefit Available after 12 months of coverage100%
Pre-Existing Conditions
Coverage Available after 24 months of coverage100% (no waiting period applied)
Additional Benefits
Emergency Medical Evacuation100%
Return of Mortal Remains$50,000