Most Comprehensive
Globalwide Health
Gold Plan
The complete international health plan — USD 1,000,000 annual cover, zero compromises.
Starting from
$2,526/yr
$211/mo · Age 0–17 · Worldwide excl. USA
- USD 1,000,000 annual maximum benefit
- Private room — full inpatient treatment & surgery
- Out-patient limit USD 10,000/yr (radiology, labs, physio)
- Cancer treatment up to $250,000 lifetime
What's Included
Gold Plan Benefits
Every benefit paid cashlessly in real time via the Globalwide Smart Health Card — no claim forms, no out-of-pocket costs.
USD 1,000,000 annual maximum benefit
Private room — full inpatient treatment & surgery
Out-patient limit USD 10,000/yr (radiology, labs, physio)
Cancer treatment up to $250,000 lifetime
Maternity: normal & caesarean up to $8,000 each
Newborn care & screening up to $200
15 physiotherapy sessions per year (out-patient)
Emergency evacuation & repatriation — full refund
Smart Health Card — cashless, nil excess, 0% co-insurance
Best Suited For
Who is the Gold Plan for?
- Expats and long-term residents abroad
- Families with children or planning maternity
- Frequent business travellers
- Those who want full out-patient and specialist access
- Members who may need care in the USA
Consider Upgrading If
When to choose a different plan
- Budget-conscious members who only need emergency cover
- Short-term travellers with existing travel insurance
Transparent Pricing
Gold Plan Annual Premiums
Worldwide (excluding USA) zone. USA coverage available at 2× the premium.
| Age Band | Annual Premium | Monthly (÷12) | With USA (×2) |
|---|---|---|---|
| Age 0 – 17 | $2,526 | $211 | $5,052 |
| Age 18 – 24 | $2,948 | $246 | $5,896 |
| Age 25 – 30 | $3,199 | $267 | $6,398 |
| Age 31 – 35 | $3,866 | $322 | $7,732 |
| Age 36 – 40 | $4,256 | $355 | $8,512 |
| Age 41 – 45 | $4,381 | $365 | $8,762 |
| Age 46 – 50 | $4,613 | $384 | $9,226 |
| Age 51 – 55 | $5,343 | $445 | $10,686 |
| Age 56 – 60 | $6,814 | $568 | $13,628 |
| Age 61 – 65 | $8,855 | $738 | $17,710 |
| Age 66 – 70 | $11,175 | $931 | $22,350 |
| Age 71 – 75 | $14,100 | $1,175 | $28,200 |
| Age 76 – 80 | $14,900 | $1,242 | $29,800 |
| Age 81+ | $17,959 | $1,497 | $35,918 |
Premiums shown are per person per year. Family discounts available — use the quote calculator for a full family quote.
Full Coverage Details
Gold vs Silver vs Bronze
See exactly how the Gold Plan compares to every other tier across all benefit categories.
| Benefit | GoldThis plan | 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)(Surgery, chemo, radiation, immunotherapy, hormone therapy) | 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)(Subject to underwriting review; exclusions or waiting periods may apply for mid-term enrollees) | 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(After 12 months of enrolment) | 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) |
Included with Every Plan
The Globalwide Smart Health Card
Every Gold Plan member receives the Globalwide Smart Health Card — a Mastercard-powered card that pays your medical bills in real time at any of our 200+ network providers worldwide. No claim forms. No out-of-pocket costs. No waiting.
Real-Time Payment
Your card is charged at the point of care — the provider is paid instantly, in any currency.
Worldwide Acceptance
Accepted at any hospital, clinic, or pharmacy that takes Visa or Mastercard — millions of locations.
Zero Paperwork
No claim forms, no pre-authorisation for most treatments, no reimbursement waits.
Compare All Plans
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