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PARTICIPATIVE INTERNATIONAL MEDICAL INSURANCE

Mutualist, affordable, ethical

Full personal health insurance for all living abroad

路 Covered up to 100 years of age路 Covid-19 cover路 Cancer cover路 Monthly payment (No commission)路 0% premium increase if no claims are made!
are made!
路 Maximum of only 3% increase per
year If a claim is made

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      OTHER PERSONAL INFO

      CHILD, PARTNER, HUSBAND, SPOUSE

      1 CHILD:

      2 CHILD:







      MEDICAL QUESTIONNAIRE







      MEDICAL PREEXISTING CONDITIONS (IF ANY): PAST OR PRESENT SICKNESS, PAST SURGERY, MEDICINE TAKEN

      STARTING DATE, CURRENCY

      wrlife_dark

      What is included in the insurance
      (COVID-19 PROTECTION IS INCLUDED)

      FOR ALL LIVING ABROAD AND LOCAL

      Maximum limit/person/year 20 000 USD
      Outpatient: $ 1500
      Dental: $ 200 / year
      Optical: $ 200 / year
      80 000 USD
      Outpatient: $ 1700
      Dental: $ 300 / year
      Optical: $ 400 / year
      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 unit 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鈥檚 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) $ 30 / visit and $ 400 / year $ 40 / visit and $ 600 / year
      Prescribed vaccines (hepatitis, covid, etc) (6 months waiting period) 90 USD / visit 100 USD / visit
      Hospice care outpatient not covered not covered
      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 ???? ????
      Extension of cover in the country of birth or origin except USA ???? ????
      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 TRAVELLERS

      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鈥檚 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) 100% up to $ 50 / session and $ 1 000 / year Full Cover
      Prescribed vaccines (hepatitis, covid, etc) (6 months waiting period) Full cover Full cover
      Hospice care outpatient $ 10 000 lifetime maximum $ 20 000 lifetime maximum
      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 unit 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鈥檚 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) $ 30 / visit and $ 400 / year $ 40 / visit and $ 600 / year 100% up to $ 50 / session and $ 1 000 / year Full Cover
      Prescribed vaccines (hepatitis, covid, etc) (6 months waiting period) 90 USD / visit 100 USD / visit Full cover Full cover
      Hospice care outpatient not covered not covered $ 10 000 lifetime maximum $ 20 000 lifetime maximum
      Emergency ground ambulance (limited to one trip to the nearest hospital) $ 200 $ 300 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 not covered not covered 100% up to $10 000 Full cover
      Prescribed durable medical equipment not covered not covered Rental up to Purchase Price Rental up to Purchase Price
      Prescribed speech therapy and orthotics (with prior consent) not covered not covered 100% up to $ 50 / session and $ 1000 / year Full cover
      Prescribed medical prostheses (with prior consent) not covered not covered 100% up to $ 2000 / year Full cover
      Spa treatments (with prior consent) (waiting period 6 months) not covered not covered Up to 20 days & $ 25 / day Full cover
      Infusion therapy (Please refer to Comprehensive Medical Coverage section for details) not covered not covered 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 not covered not covered 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) not covered not covered 100% (after 3 years and every 3 years) 100% (after 3 years and every 3 years)
      Dental and optical optional optional optional optional
      Waiting period NO, except Covid: 14 days NO, except Covid: 14 days 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 $ 200 / year $ 300 / year $ 1000 / year $ 5000 / year
      Dental care $ 90 / visit $ 120 / visit Full cover Full cover
      Orthodontics Child under 16 and with prior consent not covered not covered not covered Full Cover up to $ 200
      Dental prostheses, inlays, on lays, implants With prior consent and 10 months waiting period not covered not covered 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 not covered not covered Same condition than previously Same condition than previously
      Waiting period 10 months 10 months 10 months 10 months
      OPTICAL
      Coverage for the selected plan $ 200 / year $ 400 / year $ 1000 / year $ 5000 / year
      Prescribed spectacle lenses, frames and contact lenses $ 100 / visit $ 130 / visit 100% up to $ 150 / year 100% up to $ 1 000 / year
      Laser surgery or surgery for vision 10 months waiting period not covered not covered not covered Full cover
      Cataract and macular degeneration Inpatient or Outpatient $ 200 / year $ 300 / year $ 1 000 / year $ 5 000 / year
      Waiting period 10 months 10 months 10 months 10 months

        Contact us


        The operator will call you during working hours - from 9:00 to 21:00 in the Thailand time zone.

        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

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          Choose the deductible option to reduce your premium cost!


          wrlife_dark

          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鈥橳 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.