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Asia Insurance Company, Limited — same-insurer plan comparison

Asia Insurance Company, Limited · 8 plan series (8 variants, sorted from basic to comprehensive)

Highlights
VHIS cert no.
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia
Asia
Ward
N/A (capped)
Ward
Ward
Ward
Ward
Ward
Semi-Private Room
Standard Private Room
Lifetime limit
Annual limit
Per illness
SMM top-up
No-Claim Bonus
Deductible
Version
Apr 1, 2021
Nov 22, 2021
Nov 22, 2021
Nov 22, 2021
Nov 22, 2021
Nov 22, 2021
Apr 1, 2021
Apr 1, 2021
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
$20,000 per Policy Year
$20,000 per Policy Year
$20,000 per Policy Year
$26,000 per Policy Year
$26,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
$4,800 per Disability per Policy Year
$4,800 per Disability per Policy Year
$4,800 per Disability per Policy Year
$6,100 per Disability per Policy Year
$6,100 per Disability per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$4,375 per day, maximum 25 days per Policy Year
$4,375 per day, maximum 25 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
(f) Surgeon's fee
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures.Specified endoscopy procedures (not performed at a network day endoscopy centre): Complex $200,000; Major $100,000; Intermediate $50,000; Minor $25,000.Other surgeries: Complex Full reimbursement of Eligible Expenses; Major Full reimbursement of Eligible Expenses; Intermediate Full reimbursement of Eligible Expenses; Minor Full reimbursement of Eligible Expenses.
    Surgeon's fee — Minor
$5,000
$7,680
$7,680
$7,680
$9,984
$9,984
$15,000  其他手術 複雜 全額保障  大型 全額保障  中型 全額保障  小型 全額保障 
    Surgeon's fee — Intermediate
$12,500
$19,200
$19,200
$19,200
$24,960
$24,960
$25,000 
    Surgeon's fee — Major
$25,000
$38,400
$38,400
$38,400
$49,920
$49,920
$50,000 
    Surgeon's fee — Complex
$50,000
$76,800
$76,800
$76,800
$99,840
$99,840
$100,000 
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$200,000 per Disability per Policy Year
$200,000 per Disability per Policy Year
$200,000 per Disability per Policy Year
$200,000 per Disability per Policy Year
$200,000 per Disability per Policy Year
$300,000 per Policy Year
$500,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$20,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
Extra Benefits Extra
Inpatient-related
SMM umbrella benefit (lifts multiple basic items)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospital companion bed fee reimbursement
Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)
Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)
Outpatient-related
Outpatient kidney dialysis
$200,000 per Policy Year
$200,000 per Policy Year
$200,000 per Policy Year
$200,000 per Policy Year
$200,000 per Policy Year
Health check-up benefit
For(i),(ii) and(iii) combined, $500 per Policy Year
For(i),(ii) and(iii) combined, $800 per Policy Year
Hospice and palliative care benefit
$ 80,000 per Policy Year
$ 80,000 per Policy Year
Daily post-surgery home nursing benefit
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
$600 per visit; $600 per visit. 1 service per day for each, maximum $6,000 per Policy Year (within the post-discharge window)
$1,000 per visit; $1,000 per visit. 1 service per day for each, maximum $7,000 per Policy Year (within the post-discharge window)
Chinese Medicine Practitioner outpatient care
$500 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,000 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Network hospital designated medical package
Reimbursement begins after exceeding the benefit limit listed under 3. Specified Medical Package Full Reimbursement Benefit at Network Hospitals
Reimbursement begins after exceeding the benefit limit listed under 3. Specified Medical Package Full Reimbursement Benefit at Network Hospitals
Reimbursement begins after exceeding the benefit limit listed under 3. Specified Medical Package Full Reimbursement Benefit at Network Hospitals
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Cash Benefits Cash
Hospital companion bed cash benefit
$400 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)
$400 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)
$400 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)
$520 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)
$520 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)
Second-claim cash allowance
$500 per day (maximum 90 days per Policy Year)
$800 per day (maximum 90 days per Policy Year)
Event Benefits Event
Accidental Death benefit
$10,000 per Policy
$10,000 per Policy