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A+ International Healthcare International Health Insurance Video

A+ International Southeast Asia Expat Health Insurance Policy Range

Key Facts

Overview

  • Founded 2008
  • N/A Rated (A.M Best)
  • 300000 total members (est.)
  • Headquarters: Hong Kong
  • Underwriter: Allianz

Products

  • Range: South East Asia
  • Type: International Medical
  • For: Individuals & Families
  • Duration: 12 months
  • Status: Active
  • Currencies

Member Services

Features

  • In-Patient Direct-Billing
  • Emergency Assistance
  • Multilingual helpline
  • Medical Advisory helpline
  • Application fee

Areas of cover

  • Zone A: Worldwide
  • Zone B: Worldwide Excluding USA & Canada
  • Zone C: Restricted to Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam
A+ International Healthcare offers international health cover. Plans are underwritten by HIC and reinsured by Allianz France. Administered in the EU and Hong Kong they have over 40 years' experience. Member assistance services are provided by Mondial Assistance, serving its 300,000 members worldwide. They offer expatriates two ranges of plans, a globally portable plan with higher cover limits, and a South East Asia plan range designed for residents in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam.

Their plans provide extensive medical evacuation and repatriation services, guaranteed lifetime renewability and cover for congenital conditions as standard. They also provide members a global direct-billing network of 10,000+ medical partners.
High levels of care and support
Moratorium and FMU underwriting
Lifetime renewable
15 day money back guarantee
Cover for pre-existing conditions
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"I am grateful for the exemplary service you provided to us throughout this process. It was a pleasure working with you."
Alex, Malaysia.
"Kudos to you guys for taking steps to make insurance a more bearable user experience :]"
Phil, China.
"We really appreciate your support and certainly looking forward to our continuous cooperation!"
Kylie, China.

A+ International Healthcare South East Asia Member Services

Get access to a rich range of services should difficulties arise.
All A+ members receive access to a wide range of services including: The A+ International 24h service access and the freedom to choose any hospital, clinic, doctor and specialist with A+'s guarantee of payment facility.
International Service Centre
Choose Any Hospital & Doctor
International Emergency Care
24/7/365 Emergency Assistance Multilingual Assistance
Robust Financial Stability

A+ International Healthcare South East Asia Sub Products

The Southeast Asia plans are very competitive for expatriates based in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Thailand, Philippines & Vietnam. Options available are Essential, Essential Plus, Serene and Serene Plus. Regarding cover, the Essential plan provides 100% Inpatient and day-patient surgery, while the Plus version adds cover for Inpatient Psychiatric care & Outpatient treatments within 15 days before hospitalisation and up to 30 days after hospital release. The Serene plans provides 100% cover for Inpatient & Outpatient treatment, while the plus version adds Inpatient and Outpatient Psychiatric care.

Essential

Essential Plus

Serene

Serene Plus

Great for: Great for: Great for: Great for:

Low budget expat in SE Asia

Low budget expat in SE Asia

Expat based in SE Asia

Expat based in SE Asia

Value Value Value Value
Coverage Coverage Coverage Coverage

Is important to take essential cover

Is important to take essential cover

Valuable cover for SE Asia expats

Valuable cover for SE Asia expats

Areas of Cover

The Southeast Asia policy provides cover on a global basis.

Choose from "Worldwide", "Worldwide excluding USA & Canada" or "Restricted in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand & Vietnam".

A+ International Healthcare South East Asia Optional Add-Ons

A+ International provides good flexibility by allowing you to add-on optional cover that's important to you. Shape the cover you want by adding options to your sub-product.

USA Cover

Provides access to medical treatment while visiting the USA

Supported sub-products Essential
Essential Plus
Serene
Serene Plus

Dental

A wide range of preventative, routine and major dental

Supported sub-products Serene
Serene Plus

Personal Accident Insurance

Pays a lump sum in case of accidental death or disability caused by an accident

Supported sub-products Essential
Essential Plus
Serene
Serene Plus

Temporary Incapacity Cover

Pays a monthly allowance in case you are unable to work because of illness (2 years max)

Supported sub-products Essential
Essential Plus
Serene
Serene Plus

Permanent Disability Cover

Pays out an allowance if you become permanently disabled up to age 65

Supported sub-products Essential
Essential Plus
Serene
Serene Plus

Compare A+ International Healthcare South East Asia Sub Products

Compare Plans

Essential

Essential Plus

Serene

Serene Plus

Premium per month Get Quotes Get Quotes Get Quotes Get Quotes
Deductibles Deductibles
Also known as excess, this is the money that you pay before the insurance company starts paying for medical expenses. Deductible can be per sickness/injury, per insurance period or per year and usually applies to each insured member of the policy separately.
Brochure Pack Brochure Pack
Download official documents associated with this policy range such as the brochure, table of benefits and policy wording.
Download Allianz Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack Download Allianz Brochure Pack
Maximum Benefit Maximum Benefit
The maximum amount per year that the insurance company will pay for treatment.

$0.5 million

$1 million

$1 million

$1.35 million

USA Elective Treatment USA Elective Treatment
When this option is included, you will be the eligible to receive elective treatment when visiting the United States on trips.


In-Patient

In-Patient
Refers to treatment in a hospital / clinic where an overnight stay is medically necessary.

Essential

Essential Plus

Serene

Serene Plus

Hospital Accommodation Hospital Accommodation
The type of bed that you will stay in overnight in a hospital or clinic.

Private

Private

Private

Private

In-Patient Surgery In-Patient Surgery
Any surgery where the patient needs to remain overnight or longer in a hospital or clinic after the surgery is completed.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Prescription Drugs Prescription Drugs
Pharmaceutical drugs available only on the prescription of a registered medical practitioner and available only from pharmacies.
Organ Transplant Organ Transplant
Cover for a surgical operation in which an organ is moved from a donor to a recipient.

(pre-approval required)

(pre-approval required)

(pre-approval required)

(pre-approval required)

Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.
Rehabilitation Rehabilitation
Treatment aimed at the restoration of a normal form / function after an acute illness or injury. Rehabilitation is usually provided following acute medical treatment.
Hospice Hospice
Treatment following the diagnosis that a condition is terminal and treatment can no longer be expected to cure the condition. Typically includes physical and psychological care as well as hospital or hospice accommodation, nursing care and prescription drugs.
Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.

$2,025

$2,025

$2,025

$2,025

Oncology Oncology
Refers to treatment associated with tumours such as diagnostic tests, radiotherapy, chemotherapy and other hospital fees associated with the treatment of cancer.


Out-Patient

Out-Patient
Refers to treatment provided in the practice or surgery of a medical practitioner, therapist or specialist that does not require the patient to be admitted to hospital.

Essential

Essential Plus

Serene

Serene Plus

Out-Patient Surgery Out-Patient Surgery
Also known as ambulatory surgery, same-day surgery or day surgery, provides cover for surgery that does not require an overnight hospital stay.

(pre-certification required)

(pre-certification required)

(pre-certification required)

(pre-certification required)

Medical Practitioner Fees Medical Practitioner Fees
Refers to costs / bills arising from treatment performed or administered by a medical practitioner (a physician who is licensed to practice medicine under the law of the country in which treatment is given).
Specialist Fees Specialist Fees
Expenses associated with consultations or treatment by a specialist.
Prescription Drugs Prescription Drugs
Expenses associated with consultations or treatment by a specialist.
Diagnostic Tests Diagnostic Tests
Refers to tests such as blood tests, x-rays, CT, ultrasound and MRI scans to investigate and determine the cause of patient symptoms.
Diagnostic Scans Diagnostic Scans
Refers to cover for costs incurred as a result of obtaining advanced diagnostic tests such as MRI, CT, PET and PET-CT scans.
Home Nursing Care Home Nursing Care
Cover for health care or supportive care provided in the patient\'s home by healthcare professionals.

80% of $2,700 (max 60 days)

80% of $2,700 (max 60 days)

Prosthetic Devices Prosthetic Devices
Refers to artificial body parts or devices, which are an integral part of a surgical procedure or part of any medically necessary treatment following surgery.
Chiropractic Chiropractic
Treatment based on the diagnosis and manipulative treatment of misalignments of the joints, especially those of the spinal column.
HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$60,000 lifetime limit (wait 2 years)

$60,000 lifetime limit (wait 2 years)

Physiotherapy Physiotherapy
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.

$1,500

$2,700

Oncology Oncology
Treatments, measures and exercises to develop, maintain and restore maximum movement and function.
Alternative Therapies Alternative Therapies
Refers refers to therapeutic and diagnostic treatment that exists outside of conventional Western medicine. Usually includes chiropractic treatment, osteopathy, Chinese herbal medicine, homeopathy and acupuncture.


Maternity

Maternity
Refers to cover for medical costs incurred during pregnancy and childbirth, including hospital charges, specialist fees, mother's pre and post-natal care, as well as newborn care.

Essential

Essential Plus

Serene

Serene Plus

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.
Newborn Care Newborn Care
Cover for examinations and diagnostic test required to determine the health of a newborn child carried out immediately following childbirth. Some plans but not all, also include more comprehensive diagnostic newborn tests such as blood type and hearing. If problems are discovered, then sometimes Insurers may include cover for more complex medically necessary treatment and diagnostic tests.

(covered if newborn enrolled from birth)

(covered if newborn enrolled from birth)

(covered if newborn enrolled from birth)

(covered if newborn enrolled from birth)

Congenital Disorder Congenital Disorder
Newborn defects present at birth.
Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.


Dental

Dental
Dental treatment designed to pay a portion of the costs associated with routine, complex and emergency dental care.

Essential

Essential Plus

Serene

Serene Plus

Emergency In-Patient Emergency In-Patient
Provides a refund for emergency dental treatment due to a serious accident requiring hospitalisation. Cover under this benefit does not usually extend to follow-up dental treatment, dental prostheses, orthodontics or periodontics.
Emergency Out-Patient Emergency Out-Patient
This usually includes treatment received in a dental surgery or hospital emergency room for the immediate relief of dental pain. Cover includes temporary fillings, and / or the repair of damage caused in an accident.
Routine Routine
Usually includes an annual dental check up, simple fillings related to cavities or decay and root canal treatment.
Complex Complex
Provides cover for specilised dental treatments and procedures such as dental prostheses, orthodontics or periodontics.
Orthodontic Orthodontic
Refers to the use of devices to correct malocclusion and restore the teeth to proper alignment and function.

80% up to $1,000

80% up to $1,000



Well-Being

Well-Being
Refers to measures and treatments taken to prevent diseases and promote good health rather than curing them or treating their symptoms.

Essential

Essential Plus

Serene

Serene Plus

Routine Health Check Routine Health Check
Routine health checks usually including cancer screening are tests/screenings that are undertaken without any clinical symptoms being present. Such tests are performed, at an appropriate age interval, for the early detection of illness or disease.
Vaccinations Vaccinations
Refers to immunisations and booster injections in addition to the cost of consultation for administering the vaccine.


Psychiatric

Vaccinations
Refers to healthcare benefits dealing with the diagnosis and treatment of mental disorders.

Essential

Essential Plus

Serene

Serene Plus

In-Patient Treatment In-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist where an overnight stay in a hospital or clinic is necessary.

$13,500

$13,500

Out-Patient Treatment Out-Patient Treatment
Refers to psychiatry and psychotherapy treatment of a mental or nervous disorder carried out by a psychiatrist or clinical psychologist in a hospital or clinic where an overnight stay is not required.

50% up to $1350



Evacuation

Evacuation
Evacuation covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby. Repatriation, gives you the added benefit of returning to your home country to be treated in familiar surroundings.

Essential

Essential Plus

Serene

Serene Plus

Medical Evacuation Medical Evacuation
Covers you for transport costs to the nearest suitable medical centre, when the treatment you need is not available nearby.
Medical Repatriation Medical Repatriation
Cover for costs incurred as a result of returning to your home country to be treated in familiar surroundings.
Repat' of mortal remains Repatriation of mortal remains
Covers the costs of transportation of the insured person’s mortal remains from the principal country of residence to the country of burial. Covered expenses typically include, expenses for embalming, a container legally appropriate for transportation, shipping costs and the necessary government authorisations.
Compassionate visit Compassionate Visit
Cover for the travel and other expenses of a relative's visit.
Companion expenses Companion expenses
Includes cover for transportation and accommodation for a relative of the patient to country and place where the patient is receiving treatment.

$125 per day (max 7 days)

$125 per day (max 7 days)

$125 per day (max 7 days)

$125 per day (max 7 days)



Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Essential

Essential Plus

Serene

Serene Plus

Eye tests & consultations Eye tests & consultations
Meeting and tests with an eye specialist to assess your sight and vision.
Glasses & contacts Glasses & contacts
Cover for prescribed spectacle or contact lenses. Sometimes does not include cover for spectacle frames.


Chronic Conditions

Chronic Conditions
Treatment for a sickness, illness or disease which is recurrent, without a cure, does not respond well to treatment, requires prolonged supervision / care and / or leads to permanent disability.

Essential

Essential Plus

Serene

Serene Plus

Monitoring & maintenance Monitoring & maintenance
Also known as palliative care, provides care or treatment that concentrates on constantly monitoring and reducing the severity of disease symptoms, rather than striving to halt, delay, or reverse progression of the disease itself or provide a cure.
Stabilisation of chronic episode Stabilisation of chronic episode
Short term treatment of acute episodes of a chronic condition - the aim of which is to return the patient to the state of health they were in immediately before suffering the episode, or which leads to full recovery.
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Policy Conditions

This policy is designed for individuals and families who are living or working abroad for more than 12 months. USA citizens must live abroad or plan to leave the USA on their policy start date.

Eligibility

Exclusions

Expat Health Insurance
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