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 PlanWH1500WH2000WH3000WH4000WH6000 WH12000
Health Insurance Coverage Maximum Payable per Disability/Time/Year300,000
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 EvacuationUSD 1,000,000 USD 1,000,000USD 1,000,000USD 1,000,000USD 1,000,000USD 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 (optional)

Out-patient Benefits (OPD) (Optional Purchase)OPD800OPD1000 OPD1500OPD2000OPD2500OPD3000
- Maximum Payable(per Year)32,00040,00060,00080,000100,000120,000
- Maximum Payable per Day (Max. 1 visit per day, limit 30 visits per year)8001,0001,5002,0002,5003,000
- X-ray and Laboratory Test Expenses (Maximum per year)8,00010,00015,00020,00025,00030,000


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 WH2000WH3000WH4000WH6000WH12000
15 Days - 5 Years28,04737,16855,41073,652110,137153,917
6 - 1012,84516,89925,00733,11549,32968,788
11 - 208,28510,81815,88620,95331,08843,249
21 - 356,7658,79112,84516,89925,00734,735
36 - 407,67710,00714,67019,33228,65539,844
41 - 458,28510,81815,88620,95331,08843,249
46 - 509,80512,84518,92625,00737,16851,762
51 - 5511,32614,87221,96629,06143,24960,274
56 - 6012,84516,89925,00733,11549,32968,788
61 - 6515,97021,03731,17241,30661,57585,897
66 - 70 22,21829,31343,50157,68986,065120,118
*71 - 75 (Renew only) 31,67641,81062,07982,348122,886171,531
*76 - 85 (Renew only)46,87862,079 92,482122,886 183,693 256,661

*Renewal only

OPD – Outpatient Annual Premium (included Stamp Duty) 

OPD – Outpatient only available as additional policy to IPD policy.

Age (Years)OPD800OPD1000OPD1500OPD2000OPD2500OPD3000
15 Days - 5 Years22,51227,61840,38353,14865,91378,678
6 - 1010,00612,27517,94823,62129,29534,968
11 - 206,2537,67211,21814,76318,30921,855
21 - 355,0036,1378,97411,81114,64717,484
36 - 405,7537,05810,32013,58216,84420,107
41 - 456,2537,67211,21814,76318,30921,855
46 - 507,5049,20613,46117,71621,97126,226
51 - 558,75510,74015,70520,66925,63330,597
56 - 6010,006 12,27517,94823,62129,29534,968
61 - 6512,50715,34422,43529,52736,61843,710
*66 - 85 (Renew only)17,51021,48131,40941,33751,26661,194
  • 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.
  • 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.