In-Patient Coverage (IPD), Wealthy Healthy
In-Patient Coverage is a patient who needed to be admitted as an inpatient in a hospital or in a medical facility for a minimum of 6 hours, and is registered as an inpatient under the advice of a licensed physician according to the standard medical practice, with reasonable length of stay, to treat for injury or sickness, including the case that a person is admitted and dies within 6 hours after being inpatient hospitalized.
This Wealthy Healthy plan is the combination of both Simply Healthy and Maxi Healthy which mean you have coverage of Room, Nursing, General Expenses as the same as in Simply Healthy plan, and plus Major Medical Coverage as the Maxi Healthy plan which payable at 90% from the excess of the first limit that same as Simply Healthy.
Major Medical Coverage is the main difference that bring Wealthy healthy as our recommendation over Simply Healthy or Maxi Healthy plan, because it bring both coverage advantage with no deductible.
In-Patient Coverange (IPD)
| Coverage Plan | WH1500 | WH2000 | WH3000 | WH4000 | WH6000 | WH12000 |
|---|---|---|---|---|---|---|
| Health Insurance Coverage Maximum Payable per Disability/Time/Year | 300,000 | 400,000 | 600,000 | 800,000 | 1,200,000 | 2,400,000 |
| In-patient Hospitalization (IPD) Coverage | ||||||
| Room and Board, Including Nursing Care (Max. per disability/time) | 90,000 | 120,000 | 180,000 | 240,000 | 360,000 | 720,000 |
| - Normal Room (Max. per day, limit 60 days) | 1,500 | 2,000 | 3,000 | 4,000 | 6,000 | 12,000 |
| - ICU Room (Max. per day, limit 15 days) | 3,000 | 4,000 | 6,000 | 8,000 | 12,000 | 24,000 |
| - General Expenses (Max. per disability/time) | 15,000 | 20,000 | 30,000 | 40,000 | 60,000 | 120,000 |
| - Emergency OPD Treatment for Accident (Including in General Expenses) | 3,000 | 4,000 | 6,000 | 8,000 | 12,000 | 24,000 |
| - Special Consultation Fee (Including in General Expenses) | 1,500 | 2,000 | 3,000 | 4,000 | 6,000 | 12,000 |
| - Ambulance Fee (Including in General Expenses) | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 |
| Surgical Coverage | ||||||
| Surgeon's Operation Fee (Max. per disability/time, as per Actual Expenses) | 22,500 | 30,000 | 45,000 | 60,000 | 90,000 | 180,000 |
| Surgical Consultation Fee (Including in Surgeon's Operation Fee) | 2,250 | 3,000 | 4,500 | 6,000 | 9,000 | 18,000 |
| Physician Care Coverage | ||||||
| Physician Care (Max. per disability/time) | 22,500 | 30,000 | 45,000 | 60,000 | 90,000 | 180,000 |
| - In-patient Physician Visit Fee (Max. per day, limit 60 days) | 375 | 500 | 750 | 1,000 | 1,500 | 3,000 |
| Major Medical Coverage | ||||||
| - Maximum Payable per Disability/Time/Life Time (Pays 90 Percent of the Eligible Expenses in Excess of the Deductible) | 150,000 | 200,000 | 300,000 | 400,000 | 600,000 | 1,200,000 |
| - Deductible which is covered under IPD coverage | 15,000 | 20,000 | 30,000 | 40,000 | 60,000 | 120,000 |
| - Room and Board, Including Nursing Care (Max. per day, starts on 61st day) | 1,500 | 2,000 | 3,000 | 4,000 | 6,000 | 12,000 |
| Worldwide Emergency Assistant Coverage (By Allianz Globall Assistance) | ||||||
| - Emergency Medical Evacuation | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 | USD 1,000,000 |
| - Medical Repatriation | " | " | " | " | " | " |
| - Repatriation of Mortal Remain | " | " | " | " | " | " |
| Personal Accident Coverage (PA 2) | ||||||
| - Accidental Death, Dismemberment, and Total Permanent Disability | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 |
Out-Patient (optional)
| Out-patient Benefits (OPD) (Optional Purchase) | OPD800 | OPD1000 | OPD1500 | OPD2000 | OPD2500 | OPD3000 |
|---|---|---|---|---|---|---|
| - Maximum Payable(per Year) | 32,000 | 40,000 | 60,000 | 80,000 | 100,000 | 120,000 |
| - Maximum Payable per Day (Max. 1 visit per day, limit 30 visits per year) | 800 | 1,000 | 1,500 | 2,000 | 2,500 | 3,000 |
| - X-ray and Laboratory Test Expenses (Maximum per year) | 8,000 | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 |
Premium
Please see your premium in the table. If you would like to buy OPD, it is required to have IPD first as your main policy and buying OPD as addition.
IPD – Inpatient Annual Premium (included Stamp Duty)
| AGE (YEARS) | WH1500 | WH2000 | WH3000 | WH4000 | WH6000 | WH12000 |
|---|---|---|---|---|---|---|
| 15 Days - 5 Years | 28,047 | 37,168 | 55,410 | 73,652 | 110,137 | 153,917 |
| 6 - 10 | 12,845 | 16,899 | 25,007 | 33,115 | 49,329 | 68,788 |
| 11 - 20 | 8,285 | 10,818 | 15,886 | 20,953 | 31,088 | 43,249 |
| 21 - 35 | 6,765 | 8,791 | 12,845 | 16,899 | 25,007 | 34,735 |
| 36 - 40 | 7,677 | 10,007 | 14,670 | 19,332 | 28,655 | 39,844 |
| 41 - 45 | 8,285 | 10,818 | 15,886 | 20,953 | 31,088 | 43,249 |
| 46 - 50 | 9,805 | 12,845 | 18,926 | 25,007 | 37,168 | 51,762 |
| 51 - 55 | 11,326 | 14,872 | 21,966 | 29,061 | 43,249 | 60,274 |
| 56 - 60 | 12,845 | 16,899 | 25,007 | 33,115 | 49,329 | 68,788 |
| 61 - 65 | 15,970 | 21,037 | 31,172 | 41,306 | 61,575 | 85,897 |
| 66 - 70 | 22,218 | 29,313 | 43,501 | 57,689 | 86,065 | 120,118 |
| *71 - 75 (Renew only) | 31,676 | 41,810 | 62,079 | 82,348 | 122,886 | 171,531 |
| *76 - 85 (Renew only) | 46,878 | 62,079 | 92,482 | 122,886 | 183,693 | 256,661 |
*Renewal only
OPD – Outpatient Annual Premium (included Stamp Duty)
OPD – Outpatient only available as additional policy to IPD policy.
| Age (Years) | OPD800 | OPD1000 | OPD1500 | OPD2000 | OPD2500 | OPD3000 |
|---|---|---|---|---|---|---|
| 15 Days - 5 Years | 22,512 | 27,618 | 40,383 | 53,148 | 65,913 | 78,678 |
| 6 - 10 | 10,006 | 12,275 | 17,948 | 23,621 | 29,295 | 34,968 |
| 11 - 20 | 6,253 | 7,672 | 11,218 | 14,763 | 18,309 | 21,855 |
| 21 - 35 | 5,003 | 6,137 | 8,974 | 11,811 | 14,647 | 17,484 |
| 36 - 40 | 5,753 | 7,058 | 10,320 | 13,582 | 16,844 | 20,107 |
| 41 - 45 | 6,253 | 7,672 | 11,218 | 14,763 | 18,309 | 21,855 |
| 46 - 50 | 7,504 | 9,206 | 13,461 | 17,716 | 21,971 | 26,226 |
| 51 - 55 | 8,755 | 10,740 | 15,705 | 20,669 | 25,633 | 30,597 |
| 56 - 60 | 10,006 | 12,275 | 17,948 | 23,621 | 29,295 | 34,968 |
| 61 - 65 | 12,507 | 15,344 | 22,435 | 29,527 | 36,618 | 43,710 |
| *66 - 85 (Renew only) | 17,510 | 21,481 | 31,409 | 41,337 | 51,266 | 61,194 |
Remarks
- 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 70 years of age, renewable up to 85 years of age for IPD and OPD.
- IPD coverage must be purchased first in order to be able to purchase OPD coverage, in case of purchase OPD as optional, OPD premium will be added to IPD premium.
- 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.
Insuring Agreement
- 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.
Coverage Commencement
- 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.
Exclusions
- 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.
* The insured person can request for policy cancellation within 90 days after the first policy year effective date, and the company shall refund full premium before tax and duty to the insured person, in case there is no claims.
** 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.