SBC Insurance is a representative office for reputable European insurance companies. We assist our clients in selecting the optimal insurance plan and provide comprehensive support in the event of an insured claim.
· Children from 0 y.o.· Covid-19 coverage· Maternity Coverage· Monthly payments (No commission)· 0% premium increase if no claims are made!· Maximum of only a 3% increase per year If a claim is made
Room and board semi- private room or private room per day
up to $ 120 (Max. of 180 days)
up to $ 300 (Max. of 180 days)
Intensive care or other specialty units per day
up to $ 220
up to $ 600
Hospitalization expenses ( per 1 case )
up to $ 2 000
up to $ 3 000
Surgery ( per 1 case )
$ 3 000
$ 4 000
Anesthesiologist
Included in hospitalization expenses
Included in hospitalization expenses
Inpatient physician’s visit
Included in hospitalization expenses
Included in hospitalization expenses
Emergency room
Included in
hospitalization expenses
Included in
hospitalization expenses
Second medical opinion
not covered
not covered
Accompanying bed for hospitalized child under 16
Full cover
Full cover
Emergency ground ambulance. Limited to one trip to the nearest hospital
$ 200
$ 300
Home health care services. Care must start upon discharge from the hospital and must be accompanied by attending Physician orders up to 30 days
100% up to $ 400 / year
100% up to $ 500 / year
Oncology in & outpatient
$ 2 000 / visit
$ 4 000 / visit
Organ transplant benefit
Included in hospitalization expenses
Included in hospitalization expenses
HIV
$ 300
$ 400
Kidney dialysis
$ 1 500
$ 2 000
MRI in case of inpatient
Included in hospitalization expenses
Included in hospitalization expenses
Extended care or outpatient rehabilitation connected to hospitalization
not covered
not covered
Maternity care (waiting period 10 months. This option for people who were ensured before a pregnancy)
Pregnancy and or any condition related to pregnancy that arises during the first ten (10) months of coverage under this policy are excluded. Any fertility or infertility services are excluded.
Maternity care includes hospitalization, normal and Cesarean section delivery, prenatal and postnatal care and Complications of Pregnancy.
not covered
not covered
Congenital birth defects connected to Maternity Premature newborns, congenital conditions and birth anomalies for newborns enrolled within 31-days of the date of birth have a lifetime maximum.
not covered
not covered
New born cover connected to Maternity
not covered
not covered
Extension of worldwide cover in case of an accident or accidental sickness during a trip of maximum 6 weeks
up to $120 /year
up to $200 /year
Extension of cover in the country of birth or origin except USA
$ 400 up to a period of maximum 3 months
$ 500 up to a period of maximum 3 months
Pre Existing condition
not covered
not covered
Dental & optical
optional
optional
ADD OUTPATIENT
ALL HOSPITALS WORLDWIDE (except USA)
Coverage for the selected plan
$ 1500
$ 1700
Outpatient per 1 visit. Physician office visits and treatment
$ 90 / visit
$ 100 / visit
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent)
Emergency ground ambulance (limited to one trip to the nearest hospital)
$ 200
$ 300
Diagnosis Services:
Diagnostic laboratory test and x-rays
MRI, CAT, PET scans and other diagnostic machine test
Pathology
Radiation therapy and chemotherapy
Inhalation therapy
not covered
not covered
HIV
not covered
not covered
Prescribed durable medical equipment
not covered
not covered
Prescribed speech therapy and orthotics (with prior consent)
not covered
not covered
Prescribed medical prostheses (with prior consent)
not covered
not covered
Spa treatments (with prior consent) (waiting period 6 months)
not covered
not covered
Infusion therapy (Please refer to Comprehensive Medical Coverage section for details)
not covered
not covered
Extension of worldwide cover in case of an accident or accidental sickness during a trip of maximum 6 weeks except USA
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Extension of cover in the country of birth or origin except USA
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Preventive Medical Check up
not covered
not covered
Gynecologist visit (check up)
not covered
not covered
Dental and optical
optional
optional
Waiting period
NO, except Covid: 14 days
NO, except Covid: 14 days
ADD DENTAL & OPTICAL
DENTAL
Coverage for the selected plan
$ 200 / year
$ 300 / year
Dental care
$ 90 / visit
$ 120 / visit
Orthodontics Child under 16 and with prior consent
not covered
not covered
Dental prostheses, inlays, on lays, implants With prior consent and 10 months waiting period
not covered
not covered
Extension of cover in the country of birth or origin except USA
not covered
not covered
Waiting period
10 months
10 months
OPTICAL
Coverage for the selected plan
$ 200 / year
$ 400 / year
Prescribed spectacle lenses, frames and contact lenses
$ 100 / visit
$ 130 / visit
Laser surgery or surgery for vision 10 months waiting period
not covered
not covered
Cataract and macular degeneration Inpatient or Outpatient
$ 200 / year
$ 300 / year
Waiting period
10 months
10 months
FOR ALL LIVING ABROAD, LOCAL PEOPLE AND TRAVELERS
Maximum limit/person/ year
Serenity Plan
$ 100 000 – $ 1000 000
Outpatient: $ 6000
Dental: $ 1000 / year
Optical: $ 1000 / year
ELITE Plan
$ 2000 000
Outpatient: $ 1 000 000
Dental: $ 5000 / year
Optical: $ 5000 / year
INPATIENT (by default)
Room and board semi- private room or private room per day
Full Cover (Max. of 180 days)
Full Cover
Intensive care or other specialty unit per day
Full Cover
Full Cover
Hospitalization expenses ( per 1 case )
Full Cover
Full Cover
Surgery ( per 1 case )
Full Cover
Full Cover
Anesthesiologist
Full Cover
Full Cover
Inpatient physician’s visit
Full Cover
Full Cover
Emergency room
Full Cover
Full Cover
Second medical opinion
Full Cover
Full Cover
Accompanying bed for hospitalized child under 16
Full Cover
Full Cover
Emergency ground ambulance Limited to one trip to the nearest hospital
Full Cover
Full Cover
Home health care services Care must start upon discharge from the hospital and must be accompanied by attending Physician orders up to 30 days
100% up to $ 1 000 / year
Full Cover
Oncology in & outpatient
Full Cover
Full Cover
Organ transplant benefit
Up to $ 100 000 / visit
Full Cover
HIV
Full Cover
Full Cover
Kidney dialysis
Full Cover
Full Cover
MRI in case of inpatient
Full Cover
Full Cover
Extended care or outpatient rehabilitation connected to hospitalization
Maximum of 30 days for each Medical Condition Maximum of $ 2500 per year Care must begin upon discharge from inpatient and within the last 14 days
Full Cover
Care must begin upon discharge from inpatient
Maternity care (waiting period 10 months. This option for people who were ensured before a pregnancy)
Pregnancy and or any condition related to pregnancy that arises during the first ten (10) months of coverage under this policy are excluded. Any fertility or infertility services are excluded.
Maternity care includes hospitalization, normal and Cesarean section delivery, prenatal and postnatal care and Complications of Pregnancy.
100% up to $ 8 000
Full cover
Congenital birth defects connected to Maternity Premature newborns, congenital conditions and birth anomalies for newborns enrolled within 31-days of the date of birth have a lifetime maximum.
100% $ 20 000 lifetime maximum
100% $ 50 000 lifetime maximum
New born cover connected to Maternity
Have to be enrolled same cover than parents within 1 month and premium paid but considered with no preexisting condition
Free the first 6 months and after have to enrolled same cover than parents within 1 month and premium paid but considered with no preexisting condition
Extension of worldwide cover in case of an accident or accidental sickness during a trip of maximum 6 weeks
100% up to $ 15 000 / year
Full cover
Extension of cover in the country of birth or origin except USA
Up to a period of maximum 3 months
Up to a period of maximum 3 months
Pre Existing condition
To be considered
Possible full cover after 2 years moratorium in case there is no event (in or outpatient) connected to the preexisting condition
Dental & optical
not covered (optional)
not covered (optional)
OUTPATIENT
ALL HOSPITALS WORLDWIDE (except USA)
Coverage for the selected plan
$ 6000
$ 1 000 000
Outpatient per 1 visit. Physician office visits and treatment
Full Cover
Full Cover
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent)
Emergency ground ambulance (limited to one trip to the nearest hospital)
Full cover
Full cover
Diagnosis Services:
Diagnostic laboratory test and x-rays
MRI, CAT, PET scans and other diagnostic machine test
Pathology
Radiation therapy and chemotherapy
Inhalation therapy
Full cover
Full cover
HIV
100% up to $10 000
Full cover
Prescribed durable medical equipment
Rental up to Purchase Price
Rental up to Purchase Price
Prescribed speech therapy and orthotics (with prior consent)
100% up to $ 50 / session and $ 1000 / year
Full cover
Prescribed medical prostheses (with prior consent)
100% up to $ 2000 / year
Full cover
Spa treatments (with prior consent)
(waiting period 6 months)
Up to 20 days & $ 25 / day
Full cover
Infusion therapy (Please refer to Comprehensive Medical Coverage section for details)
100% up to $ 50 / session and $ 1000 / year
Full cover
Extension of worldwide cover in case of an accident or accidental sickness during a trip of maximum 6 weeks except USA
Full cover
Full cover
Extension of cover in the country of birth or origin except USA
100% up to a period of max. 3 months
100% up to a period of max. 3 months
Preventive Medical Check up
100% up to $ 300 (after 3 years and every 3 years)
100% up to $ 2000 (after 3 years and every 3 years)
Gynecologist visit (check up)
100% (after 3 years and every 3 years)
100% (after 3 years and every 3 years)
Dental and optical
optional
optional
Waiting period
NO, except:
Maternity: 10 months;
Covid: 14 days
NO, except:
Maternity: 10 months;
Covid: 14 days
ADD DENTAL & OPTICAL
DENTAL
Coverage for the selected plan
$ 1000 / year
$ 5000 / year
Dental care
Full cover
Full cover
Orthodontics Child under 16 and with prior consent
not covered
Full Cover up to $ 200
Dental prostheses, inlays, on lays, implants With prior consent and 10 months waiting period
100% up to $ 150 / tooth (max. 4 teeth)
Full Cover once a year up to $ 500 / tooth
Extension of cover in the country of birth or origin except USA
Same condition than previously
Same condition than previously
Waiting period
10 months
10 months
OPTICAL
Coverage for the selected plan
$ 1000 / year
$ 5000 / year
Prescribed spectacle lenses, frames and contact lenses
100% up to $ 150 / year
100% up to $ 1 000 / year
Laser surgery or surgery for vision 10 months waiting period
not covered
Full cover
Cataract and macular degeneration Inpatient or Outpatient
$ 1 000 / year
$ 5 000 / year
Waiting period
10 months
10 months
Maximum limit/person/year
Economy plan
Economy plan
International Serenity Plan
International ELITE Plan
INPATIENT (by default)
Room and board semi- private room or private room per day
up to $ 120 (Max. of 180 days)
up to $ 300 (Max. of 180 days)
Full Cover (Max. of 180 days)
Full Cover
Intensive care or other specialty units per day
up to $ 220
up to $ 600
Full Cover
Full Cover
Hospitalization expenses ( per 1 case )
up to $ 2 000
up to $ 3 000
Full Cover
Full Cover
Surgery ( per 1 case )
$ 3 000
$ 4 000
Full Cover
Full Cover
Anesthesiologist
Included in hospitalization expenses
Included in hospitalization expenses
Full Cover
Full Cover
Inpatient physician’s visit
Included in hospitalization expenses
Included in hospitalization expenses
Full Cover
Full Cover
Emergency room
Included in
hospitalization expenses
Included in
hospitalization expenses
Full Cover
Full Cover
Second medical opinion
not covered
not covered
Full Cover
Full Cover
Accompanying bed for hospitalized child under 16
Full cover
Full cover
Full Cover
Full Cover
Emergency ground ambulance. Limited to one trip to the nearest hospital
$ 200
$ 300
Full Cover
Full Cover
Home health care services. Care must start upon discharge from the hospital and must be accompanied by attending Physician orders up to 30 days
100% up to $ 400 / year
100% up to $ 500 / year
100% up to $ 1 000 / year
Full Cover
Oncology in & outpatient
$ 2 000 / visit
$ 4 000 / visit
Full Cover
Full Cover
Organ transplant benefit
Included in hospitalization expenses
Included in hospitalization expenses
Up to $ 100,000 / visit
Full Cover
HIV
$ 300
$ 400
Full Cover
Full Cover
Kidney dialysis
$ 1 500
$ 2 000
Full Cover
Full Cover
MRI in case of inpatient
not covered
not covered
Full Cover
Full Cover
Extended care or outpatient rehabilitation connected to hospitalization
not covered
not covered
Maximum of 30 days for each Medical Condition Maximum of $ 2,500 per year Care must begin upon discharge from inpatient and within the last 14 days
Full Cover Care must begin upon discharge from inpatient
Maternity care (waiting period 10 months. This option for people who were ensured before a pregnancy)
Pregnancy and or any condition related to pregnancy that arises during the first ten (10) months of coverage under this policy are excluded. Any fertility or infertility services are excluded.
Maternity care includes hospitalization, normal and Cesarean section delivery, prenatal and postnatal care and Complications of Pregnancy.
not covered
not covered
100% up to $ 8 000
Full cover
Congenital birth defects connected to Maternity Premature newborns, congenital conditions and birth anomalies for newborns enrolled within 31-days of the date of birth have a lifetime maximum.
not covered
not covered
100% $ 20 000 lifetime maximum
100% $ 50 000 lifetime maximum
New born cover connected to Maternity
not covered
not covered
Have to be enrolled same cover than parents within 1 month and premium paid but considered with no preexisting condition
Free the first 6 months and after have to enrolled same cover than parents within 1 month and premium paid but considered with no preexisting condition
Extension of worldwide cover in case of an accident or accidental sickness during a trip of maximum 6 weeks
up to $120 /year
up to $200 /year
100% up to 15,000 USD/year
Full cover
Extension of cover in the country of birth or origin except USA
$ 400 up to a period of maximum 3 months
$ 500 up to a period of maximum 3 months
Up to a period of maximum 3 months
Up to a period of maximum 3 months
Pre Existing condition
not covered
not covered
To be considered
Possible full cover after 2 years moratorium in case there is no event (in or outpatient) connected to the preexisting condition
Dental & optical
not covered (optional)
not covered (optional)
not covered (optional)
not covered (optional)
ADD OUTPATIENT
ALL HOSPITALS WORLDWIDE (except USA)
Coverage for the selected plan
$ 1500
$ 1700
$ 6000
$ 1 000 000
Outpatient per 1 visit. Physician office visits and treatment
$ 90 / visit
$ 100 / visit
Full Cover
Full Cover
Physiotherapy, chiropractor, osteopath, homeopath and acupuncturist (with prior consent)
Emergency Call Center [24 hours] in Bangkok (English and Thai languages) +66 (0) 20260616 mobile for emergency
Emergency Call Center [24 hours] in London (English language) 24 hours free hot line in Thailand +66 (0) 20260616
General Insurance licence number 51230
You can modify or stop your cover at any time. The renewal price does not increase except if there is a claim (in that case 2/3 % increase). IF NO CLAIMS PER YEAR, THE PRICE DOESN’T INCREASE FOR NEXT YEAR
Areas of Cover for the health cover: Modules 1, 2 and 3
AREA 1: (except USA), Canada, Switzerland, Israel, Japan, Hong Kong, plus the AREA 2
AREA 2: Europe (except Switzerland), Australia, New Zealand, American continent (except USA and Canada), China, Singapore, Taiwan plus the AREA 3
AREA 3: Africa, Asia (except China, Hong-Kong, Japan, Singapore and Taiwan), Middle East (except Israel), all other countries
However, during a stay of less than three months in the country of origin the insured is covered.
However, during a stay of less than seven weeks in a country outside the Area chosen by the Insured or his country of origin, only expenses arising from an accident or an accidental sickness of an urgent nature as defined above under Emergency provided that the treatment has been given by a doctor, generalist or specialist, or that the hospitalization was required as a direct cause of the emergency and that it took place within 24 hours, shall be reimbursed.