侨民健康保险比较-3 -6park.com

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侨民健康保险比较-3

送交者: 遥遥领先ABC[♀★品衔R5★♀] 于 2024-03-27 20:09 已读 394 次

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https://www.expatden.com/need-help/expat-health-insurance-comparison/
Basic Plans (Major Medical/Hospitalization)
Provider Cigna William Russell Allianz Care Now Health IMG Global
Summary of benefits and coverage Flexible plan choices High-level coverage with superb customer service Flexible plan choices with high-level coverage options High annual limits Budget plans with a high increase in case of usage
Plan Silver Bronze Care Plus Essential Bronze
Pricing type Community rated Community rated Community rated Community rated Community and performance rated
30 – 39 $1,481 – $3,909 $968 – $3,102 $1,300 – $3,454 $1,128 – $3,010 $1,208 – $1,838
40 – 49 $1,890 – $5,283 $1,136 – $5,053 $1,596 – $4,537 $1,351 – $4,138 $1,516 – $2,256
50 – 59 $2,518 – $6,927 $1,979 – $8,423 $2,177 – $7,376 $1,857 – $6,406 $1,693 – $2,504
Annual limit $1,000,000 $1,500,000 $1,518,750 $3,000,000 $1,000,000
(lifetime limit)
Area of coverage options Worldwide excl. the US
or
Worldwide incl. the US Africa
Worldwide excl. high cost countries
Worldwide excl. the US or incl. restricted cover Worldwide excl. the US
or
Worldwide incl. the US Africa
Worldwide excl. the US
Worldwide incl. the US Worldwide excl. the US / CA / Hong Kong / China / Singapore / Taiwan / Japan
Worldwide incl. the US
Hospital room 
Semi-private room Private room
Semi-private room (optional for zone 1&2) Private room 
Semi- or
private room Semi-private room
Surgery fee Paid in full Paid in full Paid in full Paid in full Paid in full
Hospital expense Paid in full Paid in full Paid in full 
Ancillary fees up to $1,500 per condition Paid in full
Cancer treatment
(In- and outpatient) Paid in full Paid in full Paid in full Paid in full Paid in full
MRT, CT, and PET scans $5,000 Paid in full Paid in full Paid in full $600 per examination
Physiotherapy
(inpatient-related) $2,500 $1,000 Paid in full 5 visits
within 30 days after hospitalization 
$40 per session

Worldwide medical assistance including evacuation and repatriation Additional option; not included in the basic plan
(incurs additional cost) Paid in full Paid in full Paid in full $50,000
Maternity coverage Not covered
(optional in Gold and Platinum plans) Complications cover included Complications cover included Complications cover included Not covered
Outpatient treatment Not covered
(except cancer) Pre- and post-hospitalization treatments included Pre- and post-hospitalization treatments included Up to $2,000 for pre- and post-hospitalization treatments included Not covered
(pre- and post-hospitalization covered only up to $500)
Annual routine
check-ups Not covered
(optional) Not covered
(no option) Not covered
(no option) Not covered
(no option) Not covered
(no option)
Deductible / Excess options Nil / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000 Nil / $ 610 / $1,015 / $2,025 / $4,050 / $8,100 / $13,500 Nil / $1,000 / $2,500 / $5,000 / $10,000 / $15,000 $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000
(Nil, no option)
Co-payment or co-insurance options Nil / 10% / 20% / 30%
up to an out-of-pocket maximum N / A N / A N / A (under Essential) N / A
Get Quote Get Quote Get Quote Get Quote Get Quote
Extended Plans (Including Limited Outpatient Treatments)
Provider Now Health Morgan Price William Russell BDAE IMG Europe
Summary of benefits and coverage Low price, regional options, and affordable pricing Regional options with comprehensive benefit alternatives High level coverage with superb customer service Great price/value options for most countries Affordable alternative, especially when choosing the Excess plan
Plan Simple Care 100 Standard Plus Silver Lite Infinity – Classic Silver
Pricing Community rated Community rated Community rated Community rated
Rates are based on covered zones (5 zones available)
Price differences among zones are significant and can cause rates to increase when the insured moves to another country Community and performance rated
Rates are based on the area of coverage and the claims history
30 – 39 $989 – $2,738 $1,022 – $2,392 $919 – $2,680 €1,188 – €2,832 $1,339 – $2,719
40 – 49 $1,186 – $3,765 $1,329 – $3,315 $1,078 – $3,965 €1,476 – €3,456 $1,814 – $3,545
50 – 59 $1,630 – $5,828 $1,928 – $6,582 $1,648 – $6,343 €1,812 – €4,332 $2,348 – $4,838
Annual limit $1,500,000 $750,000 $1,500,000 Unlimited $5,000,000
(lifetime limit)
Area of coverage options Africa
South East Asia
Europe
Worldwide excl. US Africa
Europe
Worldwide excl. US / China / Hong Kong / Singapore
Worldwide excl. US
Worldwide incl. US Africa
Worldwide excluding high cost countries
Worldwide excl. US
or incl. restricted cover in the US within the selected zone (covers also the zones below) Europe
worldwide excl. US / CA / Hong Kong / China / Singapore / Taiwan / Japan
worldwide incl. US
Hospital room Standard private Room Standard private Room Standard private Room
Semi-private room (optional for zone 2-4) Semi-private room
Private room Private Room
up to $600 per day max 240 days
Surgery fee Paid in full Paid in full Paid in full Paid in full Paid in full
Hospital expense Paid in full Paid in full Paid in full Paid in full Paid in full
Cancer treatment
(In- and outpatient) Paid in full Paid in full Paid in full Paid in full Paid in full
MRT, CT, and PET scans Paid in full Paid in full Paid in full Paid in full Paid in full
(Outpatient $600)
Physiotherapy
(Inpatient) Paid in full Paid in full Paid in full Paid in full Paid in full
Worldwide medical assistance including evacuation and repatriation $100,000 Paid in full Paid in full Paid in full
Repatriation €10,000 $50,000
Maternity coverage Not covered
(no option) Not covered
(no option) Not covered
(no option)
Complications $10,000 Not covered
(no option) Not covered
(no option)
Outpatient treatment $1,000 $2,500 optional
$5,000
$7,500
$10,000 €15,000 25 visits max
$70 for doctors and specialist visits
(further sub-limits apply)
Annual routine
check-ups Not cover
(no option) $100 Not covered
(no option) Cancer screening covered Not covered
(no option)
Physiotherapy
(Outpatient) $60 per visit $500 $250 Paid in full
(up to the OP limit) $40 per session
(30 sessions max)
Complementary therapies (such as chiropractic or acupuncture) $60 per visit $500 Not covered
(no option) Paid in full
(up to the OP limit) Not covered
(no option)
Dental treatments Not covered
(no option) Not covered
(no option) Not covered
(no option) check-up / cleaning / routine treatments paid in full 
Deductible / Excess options Nil / $150 / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000 / $15,000 Nil / $100 / $250 / $500 / $1,000 / $2,500 / $5,000 / $7,500 / $10,000 annual: Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000 Nil / €250 / €500 / €1,000 Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000
Co-payment or Co-insurance options N / A Nil / 10% / 20%
(Outpatient only) per claim: Nil / $50 / $100 / $800 / $1,600 N / A N / A
Get Quote Get Quote Get Quote Get Quote Get Quote

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Provider	Cigna	William Russell	Allianz Care	Now Health	IMG Global
Summary of benefits and coverage	Flexible plan choices	High-level coverage with superb customer service	Flexible plan choices with high-level coverage options	High annual limits	Budget plans with a high increase in case of usage
Plan	Silver	Bronze	Care Plus	Essential	Bronze
Pricing type	Community rated	Community rated	Community rated	Community rated	Community and performance rated
30 – 39	$1,481 – $3,909	$968 – $3,102	$1,300 – $3,454	$1,128 – $3,010	$1,208 – $1,838
40 – 49	$1,890 – $5,283	$1,136 – $5,053	$1,596 – $4,537	$1,351 – $4,138	$1,516 – $2,256
50 – 59	$2,518 – $6,927	$1,979 – $8,423	$2,177 – $7,376	$1,857 – $6,406	$1,693 – $2,504
Annual limit	$1,000,000	$1,500,000	$1,518,750	$3,000,000	$1,000,000 (lifetime limit)
Area of coverage options	Worldwide excl. the US or Worldwide incl. the US	Africa Worldwide excl. high cost countries Worldwide excl. the US or incl. restricted cover	Worldwide excl. the US or Worldwide incl. the US	Africa Worldwide excl. the US Worldwide incl. the US	Worldwide excl. the US / CA / Hong Kong / China / Singapore / Taiwan / Japan Worldwide incl. the US
Hospital room	Semi-private room	Private room Semi-private room (optional for zone 1&2)	Private room	Semi- or private room	Semi-private room
Surgery fee	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
Hospital expense	Paid in full	Paid in full	Paid in full	Ancillary fees up to $1,500 per condition	Paid in full
Cancer treatment (In- and outpatient)	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
MRT, CT, and PET scans	$5,000	Paid in full	Paid in full	Paid in full	$600 per examination
Physiotherapy (inpatient-related)	$2,500	$1,000	Paid in full	5 visits within 30 days after hospitalization	$40 per session
Worldwide medical assistance including evacuation and repatriation	Additional option; not included in the basic plan (incurs additional cost)	Paid in full	Paid in full	Paid in full	$50,000
Maternity coverage	Not covered (optional in Gold and Platinum plans)	Complications cover included	Complications cover included	Complications cover included	Not covered
Outpatient treatment	Not covered (except cancer)	Pre- and post-hospitalization treatments included	Pre- and post-hospitalization treatments included	Up to $2,000 for pre- and post-hospitalization treatments included	Not covered (pre- and post-hospitalization covered only up to $500)
Annual routine check-ups	Not covered (optional)	Not covered (no option)	Not covered (no option)	Not covered (no option)	Not covered (no option)
Deductible / Excess options	Nil / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000	Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000	Nil / $ 610 / $1,015 / $2,025 / $4,050 / $8,100 / $13,500	Nil / $1,000 / $2,500 / $5,000 / $10,000 / $15,000	$250 / $500 / $1,000 / $2,500 / $5,000 / $10,000 (Nil, no option)
Co-payment or co-insurance options	Nil / 10% / 20% / 30% up to an out-of-pocket maximum	N / A	N / A	N / A (under Essential)	N / A
	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote

Provider	Now Health	Morgan Price	William Russell	BDAE	IMG Europe
Summary of benefits and coverage	Low price, regional options, and affordable pricing	Regional options with comprehensive benefit alternatives	High level coverage with superb customer service	Great price/value options for most countries	Affordable alternative, especially when choosing the Excess plan
Plan	Simple Care 100	Standard Plus	Silver Lite	Infinity – Classic	Silver
Pricing	Community rated	Community rated	Community rated	Community rated Rates are based on covered zones (5 zones available) Price differences among zones are significant and can cause rates to increase when the insured moves to another country	Community and performance rated Rates are based on the area of coverage and the claims history
30 – 39	$989 – $2,738	$1,022 – $2,392	$919 – $2,680	€1,188 – €2,832	$1,339 – $2,719
40 – 49	$1,186 – $3,765	$1,329 – $3,315	$1,078 – $3,965	€1,476 – €3,456	$1,814 – $3,545
50 – 59	$1,630 – $5,828	$1,928 – $6,582	$1,648 – $6,343	€1,812 – €4,332	$2,348 – $4,838
Annual limit	$1,500,000	$750,000	$1,500,000	Unlimited	$5,000,000 (lifetime limit)
Area of coverage options	Africa South East Asia Europe Worldwide excl. US	Africa Europe Worldwide excl. US / China / Hong Kong / Singapore Worldwide excl. US Worldwide incl. US	Africa Worldwide excluding high cost countries Worldwide excl. US or incl. restricted cover in the US	within the selected zone (covers also the zones below)	Europe worldwide excl. US / CA / Hong Kong / China / Singapore / Taiwan / Japan worldwide incl. US
Hospital room	Standard private Room	Standard private Room	Standard private Room Semi-private room (optional for zone 2-4)	Semi-private room Private room	Private Room up to $600 per day max 240 days
Surgery fee	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
Hospital expense	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
Cancer treatment (In- and outpatient)	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
MRT, CT, and PET scans	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full (Outpatient $600)
Physiotherapy (Inpatient)	Paid in full	Paid in full	Paid in full	Paid in full	Paid in full
Worldwide medical assistance including evacuation and repatriation	$100,000	Paid in full	Paid in full	Paid in full Repatriation €10,000	$50,000
Maternity coverage	Not covered (no option)	Not covered (no option)	Not covered (no option) Complications $10,000	Not covered (no option)	Not covered (no option)
Outpatient treatment	$1,000	$2,500	optional $5,000 $7,500 $10,000	€15,000	25 visits max $70 for doctors and specialist visits (further sub-limits apply)
Annual routine check-ups	Not cover (no option)	$100	Not covered (no option)	Cancer screening covered	Not covered (no option)
Physiotherapy (Outpatient)	$60 per visit	$500	$250	Paid in full (up to the OP limit)	$40 per session (30 sessions max)
Complementary therapies (such as chiropractic or acupuncture)	$60 per visit	$500	Not covered (no option)	Paid in full (up to the OP limit)	Not covered (no option)
Dental treatments	Not covered (no option)	Not covered (no option)	Not covered (no option)	check-up / cleaning / routine treatments paid in full
Deductible / Excess options	Nil / $150 / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000 / $15,000	Nil / $100 / $250 / $500 / $1,000 / $2,500 / $5,000 / $7,500 / $10,000	annual: Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000	Nil / €250 / €500 / €1,000	Nil / $250 / $500 / $1,000 / $2,500 / $5,000 / $10,000
Co-payment or Co-insurance options	N / A	Nil / 10% / 20% (Outpatient only)	per claim: Nil / $50 / $100 / $800 / $1,600	N / A	N / A
	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote

https://www.expatden.com/need-help/expat-health-insurance-comparison/Basic Plans (Major Medical/Hospitalization)

Extended Plans (Including Limited Outpatient Treatments)

https://www.expatden.com/need-help/expat-health-insurance-comparison/
Basic Plans (Major Medical/Hospitalization)