*Policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd.
- Full Refund
- Not Covered
- Subject to Limits
API WorldCare Insurance Plans
Asia-Pacific Property & Casualty Insurance Co., Ltd. Individuals International Medical Insurance policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd. Policies are administered by Now Health International (Shanghai) Limited.
|Maximum annual benefit limit
|Annual Max Plan Limit RMB 18,500,000
|Annual Max Plan Limit RMB 22,000,000
|Annual Max Plan Limit RMB 25,000,000
In-patient and day-patient care
i) Hospital charges for in-patient and day-patient treatment
ii) Related ancillary charges
Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient
Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis
Pregnancy and childbirth medical conditions
In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Routine and complex dental treatment
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
USA elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
A small amount of medical practitioner and physiotherapy benefits available with WorldCare Essential
Out-patient direct billing restricted network*
Opt for our out-patient direct billing option – you get a nil excess within our Restricted Network and a USD 100 excess out of the Restricted Network – a more cost-effective solution than choosing a nil excess. This option is only available for plans in-force on or after 1 August 2015 and for Residents of Hong Kong and China.
Greater China option
Cover for in-patient, day-patient, and out-patient treatment restricted to Greater China subject to the standard policy limits and emergency non elective treatment outside of Greater China. Greater China means Mainland China, Hong Kong, Macau and Taiwan.
Hospital room restriction – PRC residents only
Access in-patient treatment in a semi-private room or with a 15% co-inusrance up to an out of pocket limit of RMB 47,000 per medical condition.
High cost provider co-insurance
Get access to the high cost medical providers in Mainland China but pay a 20% co-insurance to reduce your premium.
High cost provider restriction
Reduce your premium by restricting your access to the high cost medical providers in Mainland China.
Restrict any out-patient costs to a total of RMB 31,000 to reduce your premium.
Co-insurance out-patient treatment
Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment after any excess has been deducted (not available for WorldCare Essential).
In-patient and out-patient co-insurance
Reduce your premium by paying an RMB 20% co-insurance for all treatment up to an out of pocket limit of RMB 63,000 per medical condition.
|See the option you like best? Download a benefit schedule or get a quote here.
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