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| With ADAPT, you get full access to a comprehensive range of benefits. Then if you don’t have to claim, your net cost will end up being less than a competing health insurance scheme’s “hospitalization-only” policy. Thus, you get the best of both with ADAPT; Full and complete coverage when you need it, and Cash-back Savings when you don’t. |
Inpatient Hospitalization
Hospital Room & Board, Nursing Care, Operating Theater Fees, Intensive Care, Diagnostic Procedures, Surgeons & Anesthetists Fees, Prescribed Drugs & Dressings, Physician’s & Specialist’s Fees, Radiology, Pathology, Physiotherapy, Outpatient Surgery, Daycare Treatment, Ancillary Charges, Home Nursing Care, Local Ambulance Services.
Fully Covered
Outpatient Medical
Physician’s & Specialist’s Office Visits, Emergency Room & Trauma Ward Treatment, Prescribed Drugs & Dressings, Diagnostic Services, Pathology, Radiology, Chemotherapy & Physiotherapy, when not admitted to a hospital as a registered inpatient.
Fully Covered |
Complementary Medical
Acupuncture, Chiropractic, Homeopathy, and Osteopathy
US$500.00 Per Annum
Dental Care
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Major Dental Injury: Repair & restoration of sound, natural teeth following an accidental injury. |
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Minor Dental Injury: Repair of damage to sound, natural teeth sustained while eating. |
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In-between Routine Dental Care: Relief of pain and repair to sound, natural teeth or gums affected by illness or disease arising in-between annual, self-funded routine dental checkups. |
Commencement of Dental coverage is subject to submission by the Planholder of proof of an initial, self-funded dental checkup and repair of any pre-existing dental problems, on the form we provide. To maintain your Dental coverage, proof of a self-funded dental checkup is required at least once per 12 months thereafter.
Fully Covered
Medical Travel
Medical services, which in the opinion of the Health Plan administrator would be best provided through the ADAPT internationally-accredited preferred provider network overseas, in which case the following benefits shall be paid:
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Air travel costs to and from the country of residence and the location of the medical facilities |
Fully Covered |
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Medical services, hospital and nursing care |
Fully Covered |
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Pre-and Post-hospital hotel accommodation |
Fully Covered |
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Local transportation costs |
Fully Covered |
Evacuation and Repatriation
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Worldwide Emergency Assistance |
Fully Covered |
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Evacuation to the nearest appropriate medical center when necessary treatment is not available locally |
Fully Covered |
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Expenses for economy-class transportation for one person accompanying an evacuated/repatriated plan holder |
US$3,000.00 |
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Repatriation of mortal remains or local burial |
US$10,000.00 |
Income Replacement
Replacement of income lost during a period of physical incapacitation due to incapacitating bodily injury or physical illness requiring admittance and confinement to a medical hospital, with compensation payable from the 30th day of incapacitation, continuing until the earlier of either: (a) declared fit to resume light occupation duties, or (b) the maximum period of time as stated in the Policy Endorsement. Compensation is payable up to:
US$2,500.00 per month, for up to 3 months.
Accident & Disability Cash
If a Planholder sustains an Accident which solely and independently of any other causes, results in a) Death b) Major impediment c) Permanent Total Disablement or d) Minor Impediment of the Planholder, the Planholder or the estate of the Planholder (in the event of death of a Planholder) will receive cash compensation of up to US$25,000.00, in accordance with details stated in the Health plan wording.
Compassionate Home Travel
In the event an immediate family member of a Plan holder under the age of 65 years suffers a sudden and unexpected life-threatening physical illness or accidental bodily injury and as a result of which is placed on a critical list, or subsequently dies, the Plan holder will be compensated with either:
(a) An economy class return travel air ticket to the home country.
(b) The equivalent cost of the required air ticket.
Subject to arranging air tickets through the Health Plan administrators.
Fully Covered
Overseas Travel Insurance
Healthcare benefits in the course of overseas travel, as well as cover for
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Luggage & Personal Effects |
US$3,000.00 |
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Delayed Luggage |
US$200.00 |
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Loss of Deposits |
US$3,000.00 |
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Trip Curtailment |
US$3,000.00 |
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Missed Connection & Travel Delay |
US$300.00 |
Travel Insurance coverage is subject to informing the Health Plan administrators of the dates and destination country(s) of your overseas travel prior to your departure from your country of residence.
E-Health Record
ADAPT Planholders have use of a free, secure, encrypted online medical record, which can be used for recording personal health details.
Worldwide Assistance & Support 24/7/365
Wherever in the world you may be, you can contact us around the clock by phone or email whenever you need any assistance.
Overall Limit: US$250,000.00
This limit can be increased, if required, subject to payment of additional premium.
The Table of Benefits above should be read in conjunction with, and is subject to the terms, conditions, and exclusions as stated in the Health Plan Wording. |
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