International health care
Choose Your Plan
Three plans designed for expats and international travelers — all powered by the Globalwide Smart Health Card for real-time, cashless medical payments worldwide.
Our flagship plan — $1,000,000 annual maximum, full in & out-patient cover, dental, vision, maternity, and mental health. The complete package for expats who want total peace of mind.
- $1,000,000 annual maximum
- Full out-patient cover
- Dental & vision included
- Maternity & newborn care
- Mental health support
A solid all-round plan with $500,000 annual maximum, full in-hospital cover, out-patient consultations, and emergency repatriation. Ideal for most expats and families.
- $500,000 annual maximum
- Full in-hospital cover
- Out-patient consultations
- Emergency repatriation
- Telemedicine 24/7
Essential in-hospital and emergency health care for those who want core protection at a lower membership fee. Includes the Globalwide Smart Health Card and 24/7 emergency support.
- $250,000 annual maximum
- In-hospital cover
- Emergency evacuation
- Smart Health Card
- 24/7 emergency helpline
Side by Side
Full Plan Comparison
All plans include the Globalwide Smart Health Card for real-time cashless payments.
| Value | Gold | Silver | Bronze |
|---|---|---|---|
| Annual Maximum Benefit | |||
| Aggregate Limit per Person per Year | USD 1,000,000 | USD 500,000 | USD 250,000 |
| Room Class | Private Room | Semi-Private | Semi-Private |
| Network Access | Full Network | Full Network | Reduced Network |
| Inpatient Benefits | |||
| Medical / Surgical / Endoscopic Treatment | Full Refund | Full Refund | Full Refund |
| Hospital Accommodation, Nursing, Theatre, Recovery | Full Refund | Full Refund | Full Refund |
| Surgeon & Anaesthetist Fees | Full Refund | Full Refund | Full Refund |
| Specialist Physician Fees | Full Refund | Full Refund | Full Refund |
| Intensive Care Unit (ICU) | Full Refund | Full Refund | Full Refund |
| Radiology & Pathology (Inpatient) | Full Refund | Full Refund | Full Refund |
| Emergency Room Services | Full Refund | Full Refund | Full Refund |
| Pre-operative Tests | Full Refund | Full Refund | Full Refund |
| Physiotherapy (during covered hospitalisation) | Full Refund | Full Refund | Full Refund |
| Dialysis | Full Refund | Full Refund | Full Refund |
| Organ Transplant / Transfer | Full Refund | Full Refund | Full Refund |
| Prosthesis | Full Refund | Full Refund | Full Refund |
| Coronary Stent / Heart Valve Surgery | Full Refund | Full Refund | Full Refund |
| Cancer Treatment (lifetime) | Up to $250,000 lifetime | Up to $150,000 lifetime | Up to $100,000 lifetime |
| Morgue / Burial Expenses (death during admission) | Up to $4,000 | Up to $3,000 | Up to $2,000 |
| Congenital Conditions (Payer Baby — 25 listed cases) | 100% covered | 100% covered | |
| Chronic Conditions | Covered* | Covered* | Covered* |
| Cardiovascular Treatment | Covered* | Covered* | Covered* |
| Pre-existing Conditions (insured at outset) | Covered* | Covered* | Covered* |
| Maternity Benefits | |||
| Maternity (after 300-day waiting period) | Full Refund | Full Refund | |
| Normal Delivery | Up to $8,000 | Up to $5,000 | |
| Caesarean Section (medical necessity) | Up to $8,000 | Up to $5,000 | |
| Abortion / Miscarriage (medically mandated) | Up to $8,000 | Up to $5,000 | |
| Complications of Pregnancy & Childbirth | Up to $8,000 | Up to $5,000 | |
| Nursery / Incubator / ICN | Up to 6 days | Up to 6 days | |
| Newborn Care & Screening | Up to $200 | Up to $100 | |
| Epidural | Full Refund | Full Refund | |
| Out-Patient Benefits | |||
| Out-Patient Annual Maximum | USD 10,000 | USD 7,500 | |
| Radiology (CT, MRI, Ultrasound, X-ray) | Full Refund | Full Refund | |
| Laboratory Tests | Full Refund | Full Refund | |
| Nuclear Medicine / ECG / EEG / EMG | Full Refund | Full Refund | |
| Echocardiography / Holter / Stress Test | Full Refund | Full Refund | |
| PET Scan | Full Refund | Full Refund | |
| Physiotherapy (Out-Patient) | 15 sessions/yr | 12 sessions/yr | |
| Kinesitherapy | Full Refund | Full Refund | |
| Infertility Tests | Up to $2,000/yr | Up to $1,500/yr | |
| Osteodensitometry | Full Refund | Full Refund | |
| Routine Out-Patient for Maternity | Covered* | Covered* | |
| Doctor's Fees (add-on option) | Up to 12 visits @ $100 | Up to 12 visits @ $75 | |
| Prescribed Medicines (add-on option) | Up to $2,000 | Up to $1,500 | |
| Dental & Vision | |||
| Dental / Gum (accident, within 6 months) | Covered | Covered | Covered |
| Medical / Surgical Dental (accident) | Covered | Covered | Covered |
| Nose Surgery (due to covered accident) | Full Refund | Full Refund | Full Refund |
| Breast Reconstruction (post-mastectomy cancer) | Covered | Covered | Covered |
| Emergency & Assistance | |||
| Emergency Medical Evacuation & Repatriation | Full Refund | Full Refund | Full Refund |
| Repatriation of Mortal Remains | Full Refund | Full Refund | Full Refund |
| Cosmetic / Plastic Surgery (due to accident) | Covered within 9 months | Covered within 9 months | Covered within 9 months |
| 24/7 Emergency Helpline | |||
| Globalwide Smart Health Card | |||
| Real-Time Cashless Payment | |||
| No Claim Forms Required | |||
| Accepted Worldwide (Visa/Mastercard) | |||
| Deductible | USD 0 (Nil excess) | USD 0 (Nil excess) | USD 0 (Nil excess) |
| Co-Insurance | 0% (100% covered) | 0% (100% covered) | 0% (100% covered) |
Benefits subject to Plans terms and conditions. Pre-existing conditions subject to review by our medical team. USA health care available on all plans at double the standard membership fee.
Included in Every Plan
The Globalwide Smart Health Card
Every plan includes the Globalwide Smart Health Card© — a Mastercard-powered card that pays your medical bills directly and in real-time. No out-of-pocket costs, no claim forms, no waiting.
- Accepted at any provider that takes Visa or Mastercard
- Real-time payment — no reimbursement delays
- Zero paperwork or claim forms
- Works in 190+ countries worldwide
Ready to get covered?
Use our instant calculator to see your personalised membership fee for Gold, Silver, or Bronze — with or without USA health care.
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