ประกันสุขภาพ (health insurance)

Whether you live within Asia or are travelling abroad you’ll want to feel sure that, should anything happen to you or your family by way of an illness or injury, you’ll have access to the best possible medical care.

While abroad, you might find that the standards of healthcare that we take for granted aren’t always available elsewhere. Private facilities are often prohibitively expensive. Local hospitals may be unable to undertake the treatment you need or to arrange transportation to the nearest available healthcare facility in an emergency.

The reassurance of access to private healthcare for you and your family has become more important. InternationalExclusive is an international health insurance that provides a range of options to suit your particular needs. The entry age is up to 80.

In-patient cover
Hospital charges incurred during an in-patient hospital stay are covered giving you peace of mind throughout your hospital treatment.

Additionally, if your child is covered on your policy and is under 18, your plan will cover accommodation expenses for you to stay with them in hospital.

Out-patient cover
The selected plans offer out-patient benefits including cover for general practitioner and specialist consultations, prescribed drugs and dressings and necessary diagnostic tests, and vaccinations up to the limits shown.

International Exclusive Plan 1 also includes health screening, pregnancy and delivery benefits, routine dental care and routine optical care for you.

Wherever you are in the world
Depending on where in the world you reside, travel to or wish to receive treatment there are three geographical areas of cover* designed to suit your needs, including Worldwide, Worldwide excluding USA, and Asia.

Depending on the area of cover you select, you can receive medical treatment not only in your country of residence, but also in any other country within the chosen area of cover.

* Area of cover refers to one of the following:
1) Asia: Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam
2) Worldwide excluding USA: worldwide excluding the USA and US Minor Outlying Islands
3) Worldwide: worldwide

Additional benefits
Selected plans from International Exclusive, you will also have access to the following benefits:

Our plans cover you for the maintenance of non pre-existing chronic conditions.

• 24-hour claims enquiry

We recognise that some of our customers need to be able to contact us at any time of the day for information on their benefits or to discuss a claim. This is especially true for customers who are travelling, or reside outside of Asia where different time zones would otherwise present challenges. With InternationalExclusive, you are able to contact us wherever you are and at whatever time is convenient for you.

• Pre-existing conditions covered

We also provide you with cover for pre-existing conditions after 270 days of membership. After two years of consecutive cover our plans provide you with even higher coverage. To be sure of these benefits please ensure you declare your existing conditions on the application form.

• New Born Accommodation

We will pay for a child's stay who is less than 16 weeks old in the hospital with the mother (being an insured member) while she is receiving eligible in-patient treatment.

• Comprehensive pregnancy and delivery benefit
  After 280 days of membership our InternationalExclusive Plan 1 includes a pregnancy and delivery benefit. Unexpected medical complications that occur during the pregnancy are covered under plan 1,2 and 3 after 12 months of membership.
• Get your hospital bills paid directly

We can settle in-patient bills directly with numerous hospitals worldwide which are listed in our international directory of hospitals. However, if you’re looking to have treatment at a hospital where we don’t have such an arrangement, let us know prior to treatment commencing. We may still be able to make arrangements to settle bills directly with the hospital. You then don’t need to worry about having to make a pre-payment on admission to the hospital.

• International Emergency Medical Assistance

As a core benefit of all our plans, our overseas evacuation and repatriation service is available wherever you are in the world, 24 hours a day, 365 days a year. This means that in the case of an emergency and if, in the opinion of an appointed doctor, you can’t get the prompt in-patient treatment you need locally, we will arrange to move you to the nearest appropriate facility where it is available.

Whether that’s to another country, your principal country of residence or your home country, it’s just a phone call away. So, if you need emergency treatment, wherever you are in the world, we will assist you to get the treatment you need. And in the unfortunate event of a member dying, we will also arrange and pay for the cost of bringing their body back to a port or airport in their principal country of residence or their home country. This is in addition to the 24-hour claim enquiry.