Major Medical Coverage
A cost-effective safety net covering hospital stays and emergencies up to a one-million-dollar annual limit. Best for healthy expats who want strong protection against the unexpected without paying for day-to-day care.
Coverage Details
Benefit limits for Major Medical, reconciled against the current health cover schedule.
Overall Plan Limit
BenefitCoverage
Overall Plan Limit (per year)US $1,000,000 per year
Inpatient Benefits
BenefitCoverage
Room & Board including general nursing careSemi-Private
Parental Accommodation (added bed, same room)No Cover
Theatre fees, x-rays, laboratory tests, medicines and drugs, blood and plasma, surgical appliances and wheelchair hireFull Cover
Intensive Care (room and board including general nursing care)Full Cover
Surgeon's fees including pre- and post-surgical servicesUS $25,000
Anesthetist Fees30% of Surgeon's Fees
Professional Fees including physician, specialist, radiologist, physiotherapy and pathologist feesUS $25,000
Rehabilitation CoverNo Cover
Kidney DialysisFull Cover
Oncology CoverUS $20,000
Emergency Room TreatmentFull Cover
Organ Transplant CoverNo Cover
Local Ambulance to HospitalFull Cover
Hospital Cash BenefitUS $100
Outpatient Benefits
BenefitCoverage
Outpatient SurgicalNo Cover
Pre-hospitalizationNo Cover
Post-hospitalizationNo Cover
GP Consultation FeesNo Cover
Specialist Consultation FeesNo Cover
Prescribed MedicationNo Cover
Imaging and Lab TestsNo Cover
PhysiotherapyNo Cover
OncologyNo Cover
Alternative Therapies TreatmentNo Cover
Chronic Conditions BenefitNo Cover
Wellbeing Benefits
BenefitCoverage
Annual Medical Check-upsNo Cover
VaccinationsNo Cover
Eye TestNo Cover
Dental Benefits
BenefitCoverage
Emergency Dental (relief of pain only)No Cover
Routine Dental (6 months waiting period)No Cover
Major Dental (6 months waiting period)No Cover
Global Security Benefits
BenefitCoverage
TerrorismUS $50,000
Hostage NegotiationFull Cover
HijackingUS $100 per day, 10 days
MuggingUS $100 per day, 5 days
Psychology Benefits
BenefitCoverage
24 Hour Psychology Counselling5 Sessions
24 Hour Personal Coaching5 Sessions
International Assistance Benefits
BenefitCoverage
24 Hour Emergency AssistanceFull Cover
Direct Billing ServicesIncluded where available
Open Choice of HospitalIncluded
Life Cover
BenefitCoverage
Death BenefitUS $10,000
Optional Benefits (where an additional premium has been paid)
BenefitCoverage
Evacuation & RepatriationUS $100,000
Need a Different Level of Cover?
Compare all four levels or start an application if this level matches your expat healthcare needs.