Group health insurance Our insurance plans provide you with great value coverage for both the sum insured and the health insurance. Get the insurance out of your worries having to undergo a major surgery that costs excessively. 

Coverage PlanEH 1500EH 2000EH 3000EH 4000EH 6000EH 12000
Health Insurance Coverage Maximum Payable per Disability/Time/Year300,000400,000600,000800,0001,200,0002,400,000
In-patient Hospitalization (IPD) Coverage
Room and Board, Including Nursing Care (Max. per disability/time)90,000120,000 180,000240,000360,000 720,000
- Normal Room (Max. per day, limit 60 days)1,5002,0003,0004,0006,000 12,000
- ICU Room (Max. per day, limit 15 days) 3,000 4,0006,0008,00012,000 24,000
- General Expenses (Max. per disability/time)15,00020,000 30,00040,00060,000 120,000
- Emergency OPD Treatment for Accident (Including in General Expenses)3,000 4,0006,000 8,00012,00024,000
- Special Consultation Fee (Including in General Expenses)1,5002,0003,000 4,0006,000 12,000
- Ambulance Fee (Including in General Expenses)1,0001,0001,000 1,000 1,0001,000
Surgical Coverage
Surgeon's Operation Fee (Max. per disability/time, as per Actual Expenses)22,50030,00045,00060,00090,000180,000
Surgical Consultation Fee (Including in Surgeon's Operation Fee)2,2503,000 4,5006,0009,000 18,000
Physician Care Coverage
Physician Care (Max. per disability/time)22,50030,00045,000 60,00090,000 180,000
- In-patient Physician Visit Fee (Max. per day, limit 60 days)375500 750 1,0001,5003,000
Major Medical Coverage
- Maximum Payable per Disability/Time/Life Time
(Pays 90 Percent of the Eligible Expenses in Excess of the Deductible)
- Deductible which is covered under IPD coverage15,00020,00030,00040,00060,000120,000
- Room and Board, Including Nursing Care (Max. per day, starts on 61st day)1,5002,0003,0004,0006,00012,000
Worldwide Emergency Assistant Coverage (By Allianz Globall Assistance)
- Emergency Medical Evacuation UDS 1,000,000UDS 1,000,000UDS 1,000,000UDS 1,000,000UDS 1,000,000UDS 1,000,000
- Medical Repatriation""""""
- Repatriation of Mortal Remain""""""
Personal Accident Coverage (PA 2)""""""
- Accidental Death, Dismemberment, and Total Permanent Disability100,000100,000100,000100,000100,000100,000
Out-Patient Coverage (OPD) OptionalOPD800OPD1000OPD1500OPD2000OPD2500OPD3000
- Maximum payable per day (maximum 1 visit per day, limit 30 visits per year)8001,0001,5002,0002,5003,000
- X-ray and Labaloratory Test Expenses (maximum per year)8,00010,00015,00020,00025,00030,000
Premium (IPD) include duty stamp EH1500EH2000EH3000EH4000EH6000EH12000
Premium (OPD) include duty stamp OPD800OPD1000OPD1500OPD2000OPD2500OPD3000
  • Standard premium for each age band for the first policy year only
  • Eligible to apply for the first year coverage form 15 days up to 60 years of age, renewable up to 65 years of age for IPD and OPD.
  • Renewal year premium will be adjusted according to increasing age of each insured person.
  • Renewal year premium of each insured person may be charged higher, up to 100 percent of standard premium, according to underwriting experience of the previous policy year.
    10 percent discount for the renewal year for no claim bonus.
Coverage Commencement
  • This health insurance covers for treatment expenses resulting from injury from an accident or suffers from sickness fro the actual expenses paid, up to the maximum limit of benefit as stated in the schedule of the insurance policy.
    Details of insuring agreement shall be referred to the insurance policy.
Insuring Agreement
  • Coverage for sickness shall be start covered after the first 30 days waiting period, except 8 types of sicknesses that stipulated in the insurance policy shall be start covered after 120 days waiting period. However, in case there is presence or make known of symptom of any disability for the first time during waiting period, the company reserves the right to void the policy.
    Coverage for injury from accident and shall be start covered immediately from the policy effective date.
  • Pre-existing conditions, including related symptons and chronic conditions that the applicant has had before this insurance policy is in effect, congenital abnormality or genetic disorders
  • Cosmetic surgery, beautification treatment, or aging relieve treatment
  • Treatment or surgery related to eyesight, dental or gum
  • Treatment related to mental disorder
  • Treatment which is not considered a modern medicine including alternative medicine
  • Health check up and preventive vaccination
  • Suicide or suicide attempt, self inflicted injury
  • Other exclusions shall be referred to the insurance policy
Apply for Coverage and Support Document
  • Fill the Application Form and Applicant’s Health Condition Declaration Form truthfully and sign to certify**
  • Submit copy of ID card or copy of Passport for foreigner
  • For the youth, submit copy of ID Card or Birth Certification together with copy of ID Card of the parent
  • The company reserves the right to reject any application or accept with exclusions, according to underwriting standard of the company.
  • The company reserves the right not to renew each insured person within the first 2 years after start coverage.

** In case the applicant knows any fact but declares false statement or fails to declare it, in which should the company acknowledge it prior, the company may increase the insurance premium or reject the application, this insurance policy shall be voided, according to the Civil and Commercial Code, Section 865. The company has the right to dissolve it.