Student insurance - HealthCare International

Comparison of Annual Medical Plans (USD)

Looking for the short-term comparison of medical plans.

BenefitsEmergency +StandardPlusPremiumExecutive
Annual Maxiumum Healthcare Treatment$500,000$1,000,000$2,000,000$3,000,000$4,000,000
Area 1Worldwide excluding USA
Area 2Worldwide including USA
Deductible per Event$2,000$1,000/$250$1,000/$250$1,000/$250/Nil$1000/$250/Nil
Co-Pay (Optional)Nil, 10%, 20% or 30%
All benefits are up to plan limits or sub-benefits
In-patient and day-patient treatment
Accommodation, Operating Theatre and Recovery Room100% of costs100% of costs100% of costs100% of costs100% of costs
Day-care Surgery/Treatment100% of costs100% of costs100% of costs100% of costs100% of costs
Diagnostic Procedures100% of costs100% of costs100% of costs100% of costs100% of costs
Hospital Cash Benefit (non medical expenses in a non-chargeable hospital)(Deductible/Excess does not apply)$100 per day (max 30 days)$100 per day (max 30 days)$200 per day (max 30 days)$250 per day (max 30 days)$250 per day (max 45 days)
Hospitalisation Cash Benefit (non medical expenses)(Deductible/Excess does not apply)Not coveredNot covered$200 per day (max 50 days)$250 per day (max 50 days)$300 per day (max 50 days)
Lifesaving Organ Transplant100% of costs up to $100,000 (Lifetime Maximum)100% of costs up to $100,000 (Lifetime Maximum)100% of costs up to $100,000 (Lifetime Maximum)100% of costs up to $500,000 (Lifetime Maximum)100% of costs up to $500,000 (Lifetime Maximum)
Nursing100% of costs100% of costs100% of costs100% of costs100% of costs
Parental Accommodation (Child up to 16 years old)$45 per day (max 30 days)$45 per day (max 30 days)$150 per day (max 30 days)$150 per day (max 30 days)$150 per day (max 45 days)
Physician, Specialist, Surgeon and Anaesthetist Fees100% of costs100% of costs100% of costs100% of costs100% of costs
Prescription Drugs and Medicines100% of costs100% of costs100% of costs100% of costs100% of costs
Radiotherapy, Chemotherapy and Oncology100% of costs100% of costs100% of costs100% of costs100% of costs
Second Opinion for Surgery100% of costs100% of costs100% of costs100% of costs100% of costs
Surgical Appliances100% of costs100% of costs100% of costs100% of costs100% of costs
Outpatient treatment
Non-Western and Alternative Medicine (including chiropractic, osteopathy and acupuncture)(Deductible/excess does not apply)Not coveredNot coveredNot coveredNot covered100% of costs up to $400
Physician and Paramedical Fees (Deductible/excess does not apply)Not coveredNot covered75% of costs up to $1,00075% of costs100% of costs
Physiotherapy Deductible/excess does not apply)Not coveredNot covereda100% of costs (12 Sessions)100% of costs (12 Sessions)100% of costs (12 Sessions)
Prescribed Drugs (Deductible/excess does not apply)Not coveredNot covered100% of costs up to $1,000100% of costs up to $1,000100% of costs up to $1,000
X-Ray, Laboratory Tests and Treatment (Deductible/excess does not apply)Not coveredNot covereda75% of costs75% of costs100% of costs
Preventative
Health Checks (12 months waiting period on claims)(Deductible/excess does not apply)Not coveredNot coveredNot covered100% of costs up to $400100% of costs up to $1500
Vaccinations (Deductible/excess does not apply)Not covered75% of costs up to $15075% of costs up to $150100% of costs up to $250100% of costs
Well Being (Routine Gynaecological Tests, Mammograms and Prostate Examinations)(Deductible/excess does not apply)Not coveredNot covered100% of costs up to $450100% of costs up to $450100% of costs up to $450
Well Child Care (up to 7 years of age)(Deductible/excess does not apply)Not coveredNot covered100% of costs up to $1,000100% of costs up to $1,000100% of costs up to $1,000
Maternity
Normal Pregnancy and Childbirth (12 months waiting period on claims)(10% Co-Pay applies)Not covered100% of costs up to $3,000100% of costs up to $3,000b100% of costs up to $15,000b100% of costs up to $17,500
Complications of Pregnancy and Childbirth (12 months waiting period on claims)(10% Co-Pay applies)Not covered100% of costs up to $10,000100% of costs up to $50,000100% of costs up to $500,000100% of costs up to $1,000,000
Caesarean Section(10% Co-Pay applies)Not covered100% of costs up to $1,500100% of costs up to $1,500100% of costs up to $2,000100% of costs up to $3,000
Dental Overall combined limit up to $4.000
Emergency Dental Treatment (Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available100% of costs
Dental Crowns, Bridges, Dentures and Implants (6 months waiting period on claims)(Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available50% of costs up to $500 per tooth up to $2,000
Routine Dental Care (6 months waiting period on claims)(Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available100% of costs (limited to $700 per period of insurance)
Restorative Dental Treatment (6 months waiting period on claims)(Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available100% of costs up to $2,000
Orthodontic Treatment (6 months waiting period on claims)(Only eligible for dependent children under the age of 18)(Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available50% of costs up to $2,000 (Lifetime Maximum)
Special and travel benefits
Additional Travel BenefitsOptional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available
Compassionate Travel and Accommodation Expenses (Deductible/Excess does not apply)In the event of the death of a close relative (spouse, parent, child, brother or sister) 100% of costs of a round trip Economy Class airline ticket and accommodation costs to attend a funeral up to maximum $5,000 (max 15 days)
Elective Home Country TreatmentNot coveredNot covered100% of costs100% of costs100% of costs
Emergency Medical Evacuation and Medical Repatriation100% of costs100% of costs100% of costs100% of costs100% of costs
Out of Area Accident or Emergency Cover (20% Co-Pay applies)Limited to 30 days per policy yearLimited to 30 days per policy yearLimited to 30 days per policy yearLimited to 60 days per policy yearLimited to 60 days per policy year
Out of Hospital Network Cover30% Co-Pay20% Co-Pay20% Co-Pay20% Co-Pay20% Co-Pay
Repatriation of Mortal Remains100% of costs up to $3,000100% of costs100% of costs100% of costs100% of costs
Road Ambulance Transportation100% of costs100% of costs100% of costs100% of costs100% of costs
Travel Expenses to Home Country for ChildbirthNot coveredNot coveredNot covered50% of costs50% of costs
Other benefits
Dread/Chronic Diseases (including cancer, heart disease and HIV/Aids)100% of costs up to $20,000 (Lifetime Maximum)100% of costs up to $20,000 (Lifetime Maximum)100% of costs up to $20,000 (Lifetime Maximum)100% of costs up to $200,000 (Lifetime Maximum)100% of costs up to $200,000 (Lifetime Maximum)
Eye Surgery (Illness and Accidental only)100% of costs100% of costs100% of costs100% of costs100% of costs
Eyeglasses and Contact Lenses (6 months waiting period on claims)(Deductible/Excess does not apply)Optional Extra AvailableOptional Extra AvailableOptional Extra AvailableOptional Extra Available100% of costs up to $400
Home NursingNot coveredNot coveredNot covered100% of costs (max 60 days)100% of costs (max 60 days)
Personal Accident Cover (Life Cover for Death by Accident only)(Deductible/Excess does not apply)$25,000 per member (over the age of 18 years old). $10,000 block increases available. The maximum amount of cover per member is $125,000.
Prescribed Medical Aids (Deductible/Excess does not apply)Not coveredNot coveredNot coveredNot covered50% of costs up to $6,000 (Lifetime Maximum)
Psychiatric, Drug and Alcohol Abuse (6 months waiting period on claims)(Deductible/Excess does not apply)Not coveredNot coveredNot coveredNot covered50% of costs up to $5,000 (Lifetime Maximum)
Rehabilitation/ConvalescenceNot coveredNot coveredNot covered100% of costs (max 45 days)100% of costs (max 60 days)
aUnder the HealthCare Plus plan the Outpatient Overall Combined Benefit Limit (Except Day-Care Surgery or Treatment) up to £670
bBenefit will be increased if both parents are enrolled on the same scheme (Premium £13,400, Executive £16,750)
*Co-Pay applies to all claims if selected *