ELITE PLAN
For 30 years IPH has been at the forefront in the industry to provide specialist insurance to expatriates living in Asia. Our Elite Plan was designed to give peace of mind to individuals, couples or families who have migrated to Asia for work or personal reasons.
Our plans are uniquely different as we are able to provide cover for many local nationals as well as the expat community.
Our Elite plan provides coverage for the best private healthcare services whilst you are abroad, at highly competitive prices.
Take a look below to see just how competitive we are:
| PROVIDER | IPH | Aetna | AXA | Morgan Price | Cigna |
| PLAN NAME | Elite Pearl | Pioneer 1750 | Standard | Evolution Health (Asia Pacific) Standard | Silver |
| TOTAL ANNUAL POLICY LIMIT | US$1,000,000 | US$1,750,000 | US$1,600,000 | US$500,000 | US$1,000,000 |
| ANNUAL PRICE | US$1,053.00 | US$1,999.20 | US$1,794.05 | US$2,185.48 | US$1,799.82 |
| MONTHLY PRICE | US$87.75 | US$166.60 | US$149.50 | US$182.12 | US$148.31 |
| The above prices are based on a female non-smoker 33 years of age resident in Hong Kong. This is for illustration purposes only and you should obtain a personal health quotation to establish actual costs. All quotes are correct as of 11th March 2021, with worldwide cover excluding the USA. Benefits and limits vary by product. Prices exclude tax and other service charges. |
"Thank you so much for your help in all this process, you have been very helpful, I will definitely recommend you to all my expats friends living here in Indonesia."
Juan Pablo Soza Eynaudi
Indonesia
| IPH ELITE PLANS Policy features | A: PEARL US$ | B: SAPPHIRE US$ | C: RUBY US$ |
| Total annual policy limit | $1,000,000 | $1,500,000 | $2,000,000 |
| In-Patient Cover: | |||
| Hospital Services: (medical treatment/ services ordered by a physician) | |||
| Day-Care Treatment | $25,000 | $30,000 | $50,000 |
| Hospice & Palliative Care (lifetime limit) | $50,000 per policy year | $50,000 per policy year | $50,000 per policy year |
| In-patient epidemic and pandemic cover (including Covid-19) | |||
| General & Specialist Out-Patient Services | – | ||
| Pathology, Radiology and Diagnostic Tests | – | ||
| MRI/ CT/ PET Scans | +* Full Refund within 60 days, pre & post covered in-patient & day-care treatment | ||
| Cancer Treatment | |||
| Emergency Medical Evacuation | |||
| Accident & Emergency Department | |||
| Local Ambulance Services | |||
| HIV & AIDS Treatment | $6,000 | $6,000 | $6,000 |
| This table only provides an overview of our policy benefits, and should be read in conjunction with IPH terms & conditions. |
Optional Extras
Personal Accident
Our Personal Accident Option covers:
- Your death or your disappearance
- Loss of limb(s)
- Total and irrecoverable loss of sight of one or both eyes
It’s a cost-effective add-on available to all of our adult health insurance customers.
For more details please see the Personal Accident Option document below.
Dental and Optical
Basic and Routine Dental Work
- Routine dental check-ups such as scaling and polishing (up to twice for each policy period)
- Extractions, sealant and fillings (standard amalgam or composite), root canal treatment, related x-rays
Complex Dental Work
- Such as implants, bridgework, crowns or inlays and onlays
Frames and Lenses
- Frames, Lenses and Eye Checks
- Cost for eyeglasses and contact lenses
Documents
You can download more detailed information here:
