EXPATRIATE HEALTH INSURANCE - ACS ASIA F1
An Insurance Contract Specially Designed for Expatriates in Asia
Healthcare coverage
| Level of coverage |
Module 1a and 1b |
Module 2a and 2b |
|
| Hospitalization (with prior consent) | |||
| Maximum limit per beneficiary per year |
Two options: Module 1a - 500 000 USD Module 1b - 1 000 000 USD |
Two options: Module 2a - 500 000 USD Module 2b - 1 000 000 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, two options: Module 1a - Max. 50 US Dollars / day Module 1b - Max. 250 US Dollars / day |
100 % of actual expenses, two options: Module 2a - Max. 50 US Dollars / day Module 2b - Max. 250 US Dollars / day |
|
| Organ graft |
100 % of actual expenses | 100 % of actual expenses | |
| Psychiatry |
100 % of actual expenses, two options: 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 / day |
100 % of actual expenses limited to 50 US Dollars / day |
|
| Other coverage | |||
| Outpatient consultations linked to a hospitalization / Day surgery | 100 % of actual expenses | 100 % of actual expenses | |
| Ambulatory care after hospitalization (90 days following a hospitalization) | 100 % of actual expenses limited to 1 000 US Dollars |
100 % of actual expenses limited to 1 000 US Dollars |
|
| 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) | |
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Life insurance covers
| Death benefits (additional to the health scheme) | Sum insured | ||
| Lump sums in the case of death or total and permanent loss of autonomy | 25 000 USD | 50 000 USD | 100 000 USD |
| Additional lump sum in the case of accidental death or total and permanent loss of autonomy following an accident | 25 000 USD | 50 000 USD | 100 000 USD |
| Daily benefits / Disability pension (additional to death benefits) | |||
| Daily benefits (deductible: 90 or 180 days) Disability pension | 25 USD / day |
50 USD / day |
100 USD / day |
|
The lump sums paid in the case of death (non-accidental) must not be more than twice the declared gross annual income. |
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 |
