PARTICIPATIVE INTERNATIONAL MEDICAL INSURANCE
Mutualist, affordable, ethical
· Coverage up to 100 years of age· COVID-19 coverage· Cancer 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
By submitting an application, you automatically agree to the company's policies and insurance terms
FOR ALL LIVING ABROAD AND LOCAL
| Maximum limit/person/year | 20 000 USD | 80 000 USD |
| 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) |
| 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 | ||
| ADD DENTAL & OPTICAL | ||
FOR ALL LIVING ABROAD, LOCAL PEOPLE AND TRAVELERS
| Maximum limit/person/ year | Serenity Plan $ 100 000 – $ 1000 000 | ELITE Plan $ 2000 000 |
| 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 | ||
| ADD DENTAL & OPTICAL | ||
| Maximum limit/person/year | Economy plan | ||
| INPATIENT (by default) | |||
| Room and board semi- private room or private room per day | up to $ 120 (Max. of 180 days) | ||
| Intensive care or other specialty units per day | up to $ 220 | ||
| Hospitalization expenses ( per 1 case ) | up to $ 2 000 | ||
| Surgery ( per 1 case ) | $ 3 000 | ||
| Anesthesiologist | Included in hospitalization expenses | ||
| Inpatient physician’s visit | Included in hospitalization expenses | ||
| Emergency room | Included in hospitalization expenses | ||
| Second medical opinion | not covered | ||
| Accompanying bed for hospitalized child under 16 | Full cover | ||
| Emergency ground ambulance. Limited to one trip to the nearest hospital | $ 200 | ||
| 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 | ||
| Oncology in & outpatient | $ 2 000 / visit | ||
| Organ transplant benefit | Included in hospitalization expenses | ||
| HIV | $ 300 | ||
| Kidney dialysis | $ 1 500 | ||
| MRI in case of inpatient | not covered | ||
| Extended care or outpatient rehabilitation connected to hospitalization | 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 | ||
| 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 | ||
| New born cover connected to Maternity | 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 | ||
| Extension of cover in the country of birth or origin except USA | $ 400 up to a period of maximum 3 months | ||
| Pre Existing condition | not covered | ||
| Dental & optical | not covered (optional) | ||
| ADD OUTPATIENT | |||
| ADD DENTAL & OPTICAL | |||
1. For any pre-existing, chronic conditions and injury prior to the start date of the policy, the condition has to be studied and can either be covered with or without a moratorium, or loading, or excluded.
2. For aged under 65: Health checkup is not required: there is a six months waiting period for specific diseases.
3. For aged 65 and over: 2 choices
3.1. Health checkup required prior to coverage to determine pre-existing conditions (or)
3.2. A one year waiting period prior to coverage for specific diseases. Specific diseases: Hypertension & Cardiovascular Disease, All Tumors, Polyps or Cyst, Hernias, Hemorrhoids, Prostate Disease, Diabetes, Cancer, Cholecystitis, Cholelithiasis, Calculi of the Urinary Organs.
OPTIONAL: Death Benefit; Evacuation and repatriation to Country of Residence, Personal Liability, Dental & Optical
You can modify your insurance plan at any time.
Choose the deductible option to reduce your insurance premium!
PARTICIPATIVE INTERNATIONAL MEDICAL INSURANCE
Mutualist, affordable, ethical
CLAIM IN ANY HOSPITAL AROUND THE WORLD (EXCLUDING USA)
If you contact the hospital for a third-party payment, our contact name to tell is
ASSIST INTERNATIONAL SERVICES
Tel: +66 (0) 2 719 78 32-4
Fax: +66 (0) 2 719 78 30
E-mail: operations@assistinter.com
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
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.
-Insurance consulting;
-We assist you in case of insured claim, change date, cancellation, renewal etc..
tel: +66645396385
e-mail: office@sbc-insurance.live
office: Thailand, Koh Samui. 16 Moo 4, T.Maret, Amphur, Koh Samui, Suratthani, 84310
General Insurer licence number 51230 Insurance and Reinsurance Broker licence number 16000457
UK 44 Broadway Stratford, London E15 1XH Hotline in Thailand
+66 (0) 20260616; operations@assistinter.com
Assistance CORIS, d.o.o., UI. bratov Babnik 10, 1000 Ljubljana, Slovenia
General terms
April Assistance-APRIL group member.
Direct billing!
Have any Question? Ask us anything, we’d love to answer!
