EXPATRIATE HEALTH INSURANCE - ACS ASIA
An Insurance Contract Specially Designed for Expatriates in Asia
Healthcare coverage
| Level of coverage | Module 1 |
Module 2 |
|
| Hospitalization (with prior consent) | |||
| Maximum limit per beneficiary per year |
500 000 USD | 500 000 USD | |
| Medical hospitalization |
100 % of actual expenses | 100 % of actual expenses | |
| Surgical hospitalization |
100 % of actual expenses | 100 % of actual expenses | |
| Hospitalization ancillary expenses |
100 % of actual expenses | 100 % of actual expenses | |
| Private room |
100 % of actual expenses max. 50 US Dollars / day |
100 % of actual expenses max. 100 US Dollars / day |
|
| Organ graft |
100 % of actual expenses | 100 % of actual expenses | |
| Psychiatry |
100 % of actual expenses limited to 1 500 US Dollars / year |
100 % of actual expenses limited to 3 000 US Dollars / year |
|
| Accompanying bed for hospitalization of a child under 16 years | 100 % of actual expenses limited to 25 US Dollars / year |
100 % of actual expenses limited to 50 US Dollars / an |
|
| Other coverage | |||
| Outpatient consultations linked to a hospitalization / Day surgery | 100 % of actual expenses | 100 % of actual expenses | |
| Domiciliary hospitalization | 100 % of actual expenses limited to 1 000 US Dollars / year |
100 % of actual expenses limited to 2 000 US Dollars / year |
|
| Immediate re-education following hospitalization | 100 % of actual expenses limited to 1 000 US Dollars / year |
100 % des frais réels limited to 2 000 US Dollars / year |
|
| Local emergency transport by ambulance | 100 % of actual expenses | 100 % of actual expenses | |
| Emergency dental treatment following an accident | 100 % of actual expenses | 100 % of actual expenses | |
| Emergency treatment worldwide (trip of up to seven weeks) | 100 % of actual expenses | 100 % of actual expenses | |
| Routine medical expenses | |||
| Maximum limit by beneficiary per calendar year | non covered | 6 000 USD | |
| Generalist and specialist fees | non covered | 100 % of actual expenses | |
| Analyses, radiology, scans | non covered | 100 % of actual expenses | |
| MRI (with prior consent) | non covered | 100 % of actual expenses | |
| Prescribed medication and vaccines | non covered | 100 % of actual expenses | |
| Prescribed medical auxiliaries | non covered | 100 % of actual expenses | |
| Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent) | non covered | 100 % of actual expenses, limited to 50 US Dollars per session and 1 000 US Dollars / year | |
| Prescribed speech therapy and orthoptics (with prior consent) | non covered | 100 % of actual expenses, limited to 50 US Dollars per session and 1 000 US Dollars / year | |
| Prescribed medical prostheses (with prior consent) | non covered | 100 % of actual expenses limited to 2 000 US Dollars / year |
|
| Spa treatments (with prior consent) | non covered | 25 US Dollars / day maximum 20 days |
|
| Optical | |||
| Prescribed spectacle lenses, frames and contact lenses | non covered | 90 % of actual expenses limited to 150 US Dollars / year |
|
| Dental | |||
| Maximum limit per beneficiary for 12 months of membership | non covered | 1 000 US Dollars | |
| Dental care | non covered | 90 % of actual expenses | |
| Orthodontics (child under 16 and with prior consent) |
non covered | non covered | |
| Dental prostheses, including inlays, onlays, implants (with prior consent) |
non covered | 90 % of actual expenses limited to 150 US Dollars / tooth (max. 4 teeth) | |
| Maternity (with prior consent) | |||
| Childbirth expenses | non covered | 100 % of actual expenses limited to 4 000 US Dollars / year |
|
| Health check | |||
| Complete health check cover | non covered | 100 % of actual expenses, limited to 300 US Dollars (1 every 3 years) | |
Optional coverage
Repatriation assistance |
Coverage amount |
| Repatriation or medical transport |
Actual expenses |
Transport of the body in the event of death |
|
| Repatriation of the body | Actual expenses |
| Funeral expenses requiring transport | 1 500 USD |
| Repatriation of other family members | Ticket (one way only) |
| Returning the Insured to the country of expatriation after "consolidation" | Ticket (one way only) |
Public liability
| Physical injury, material or consequential loss | 4 500 000 USD |
| Material and consequential loss only |
150 000 USD |
| Excess per claim | 150 USD |
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