Worldwide Travel Insurance

Comparison of Short Term Medical Plans (USD)

Looking for the annual comparison of medical plans.

BenefitsShort TermShort Term Plus
Annual Maxiumum Healthcare Treatment$1,500,000$1,500,000
Area 1Worldwide excluding USA
Area 2Worldwide including USA
Area 3Western Europe
Deductible per Event$150
Co-PayNil
In-patient and day-patient treatment Pre-authorisation is required for all in-patient treatment
Accommodation, Operating Theatre and Recovery Room100% of costs100% of costs
Diagnostic Procedures100% of costs100% of costs
Hospitalisation Cash Benefit (non medical expenses)(Deductible/excess does not apply)Up to $150 per day (max 15 days)Up to $150 per day (max 15 days)
Nursing100% of costs100% of costs
Physician, Specialist, Surgeon and Anaesthetist Fees100% of costs100% of costs
Prescription Drugs and Medicines100% of costs100% of costs
Radiotherapy, Chemotherapy and Oncology100% of costs100% of costs
Surgical Appliances100% of costs100% of costs
Outpatient treatment * Overall combined limit up to $1,500 *
Non-Western and Alternative Medicine (including chiropractic, osteopathy, Chinese herbal medicine and acupuncture)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Physician and Paramedical FeesNot covered*75% of costs
Physiotherapy (Physician Prescribed as Medically Necessary)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Speech Therapy (Physician Prescribed as Medically Necessary)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Oculomotor Therapy (Physician Prescribed as Medically Necessary)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Occupational Therapy (Physician Prescribed as Medically Necessary)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Physiotherapy (Physician Prescribed as Medically Necessary)(Deductible/excess does not apply)Not covered*100% of costs (5 Sessions)
Prescribed DrugsNot covered*100% of costs
X-Ray, Laboratory Tests and Treatment (MRI scans require pre-authorisation)Not covered*75% of costs
Dental
Emergency Dental Treatment (Deductible/Excess does not apply)100% of costs100% of costs
Additional benefits Pre-authorisation is required for all in-patient treatment
Eye Surgery (Accidental only)100% of costs100% of costs
Special and travel benefits
Emergency Medical Evacuation and Medical Repatriation100% of costs100% of costs
Out of Area Accident or Emergency Cover (limited to 7 days per policy year)20% Co-Pay20% Co-Pay
Out of Hospital Network Cover20% Co-Pay20% Co-Pay
Repatriation of Mortal Remains100% of costs up to $3,000100% of costs up to $3,000
Road Ambulance Transportation100% of costs100% of costs