Global Health

Product Details

Product Details

Features

Mega International Health Care offers you 3 modules for Hospital and Surgical cover.  The Hospital and Surgical module forms the base of your policy to ensure that you enjoy extensive cover for hospital treatment and outpatient surgery.  This includes cover for cancer and other chronic and acute conditions.  Evacuation and Repatriation Services also come as standard with this module.  You can further enhance your cover by adding on any optional module that you wish.

Comprehensive Hospital and Surgical Plan

  • Annual Limit US$2.5 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation and post-hospitalisation fully covered up to 90 days prior to confinement and following confinement
  • Newborn cover provided up to $200,000, up to a maximum of 90 days following  birth.
  • Congenital conditions covered up to $200,000 lifetime
  • Chronic conditions fully covered, no distinction between maintenance and acute.
  • Private nursing fully covered

General Hospital and Surgical Plan

  • Annual Limit US$2 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation fully covered 30 days before a confinement and post-hospitalisation fully covered up to 90 days following a confinement
  • Newborn cover provided up to $100,000, up to a maximum of 90 days following  birth.
  • Congenital conditions covered up to $100,000 lifetime
  • Chronic conditions fully covered, no distinction between maintenance and acute.
  • Private nursing fully covered

Base Hospital and Surgical Plan

  • Annual Limit US$1.5 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation fully covered 30 days before a confinement and post-hospitalisation fully covered up to 90 days following a confinement
  • Chronic conditions fully covered, no distinction between maintenance and acute.

Area of Cover

Mega International Health Care offers you a choice in area of cover i.e. worldwide or worldwide excluding USA.  With a worldwide excluding elective treatment in the USA, services rendered outside of the area of cover are covered up to US$50,000 per period of insurance.  The area of cover chosen for the Hospital and Surgery plan will apply to all modules chosen.

Lifetime renewal

When you purchase a Mega International Health Care policy, we want you to become a customer for life. That’s why we offer a lifetime renewal guarantee.

Thus, no matter how large your claims may be during any policy year, you will always have the opportunity to renew your policy at prevailing rates. Unlike other insurance companies, we will not drop you as a customer due to your claims rate.  Our plans are portfolio rated.

This also means that with us, you will have lifetime coverage, even for chronic conditions that require years of treatment.

Pre-existing conditions

Your policy covers many pre-existing conditions, subject to prior disclosure and acceptance. We make every attempt to secure coverage of pre-existing conditions for you from our underwriters.

Once pre-existing conditions are approved, there are no waiting periods after joining before becoming eligible for coverage. And, usually no pre-insurance medical check-ups are required.

Online Services

You have secure access to your policy details at all times through www.globalhealthasia.com so you can check on your policy whenever it is most convenient for you.  You can also use the Online Services to check the status of your claims and download useful documents and forms.

Optional Benefits

Enhance your cover by selecting any of the following options

Outpatient Benefits

Outpatient Benefits adds further cover to your policy. Mega International Health Care offers you 2 outpatient modules to suit your budget and needs and you can combine them with any Hospital & Surgical Plan.

Plus Outpatient Benefits

  • Annual limit same as selected Hospital and Surgical plan limit
  • Full cover for GPs, specialists, medicines and drugs
  • Complementary Medicine and Traditional Chinese Medicine covered up to US$2,500 per year
  • Medical check up covered up to US$800 per year

Mid Outpatient Benefits

  • Annual limit same as selected Hospital and Surgery plan limit
  • Full cover for GPs, specialists, medicines and drugs
  • Complementary Medicine and Traditional Chinese Medicine covered up to US$1,500 per year
  • Medical check up covered up to US$500 per year

Maternity Benefits

  • Available to females between 19 to 45 years of age who have selected a Hospital and Surgical and Outpatient module with nil deductible
  • Pre and post-natal and delivery up to US$10,000 or US$5,000 per pregnancy
  • 12 month waiting period applies

Dental & Optical Benefits

  • Minor dental treatment up to US$1,000 per year
  • Other dental treatment up to US$2,500 per year with 80% co-insurance
  • Prescription lenses/contact lenses & optical examinations up to US$300 per year
  • Selected deductible does not apply to this module

Annual Deductible

Select your annual deductible to change the style of your cover. The deductible applies Hospital and Surgical and Outpatient plan (if selected). Deductibles of Nil; US$1,500; US$5,000 are available.

Outpatient Direct Billing Network

For policies with a nil deductible and with Plus and Mid outpatient plans, enjoy outpatient direct billing access to over 3,000 medical providers in Indonesia, Hong Kong, China, Singapore, Vietnam, Thailand and the rest of Asia by simply showing your member card.

What we do not cover

Here are some of the significant exclusions and limitations of the policy.  Please refer to the Policy Terms and Conditions for the full list of exclusions and limitations.

  • Pre-existing conditions unless accepted at underwriting
  • Cosmetic treatment
  • Vitamins and supplements
  • Non-prescription medication
  • Birth control, infertility treatment, venereal disease
  • Weight loss treatment
  • Assisted conception, contraception including sterilization, fertility, sexual dysfunction, induced abortion
  • Treatment by a psychologist or any treatment, care or test related in any way to self-inflicted injury, suicide or attempted suicide, deliberate exposure to exceptional danger except in an effort to save human life, abuse of alcohol, drugs and/or medicines, sleep disorders, learning difficulties, behavioural or developmental disorders.
  • Travel expenses incurred to obtain medical treatment other than in the course of an emergency medical evacuation we have approved in advance, or which has been approved by our appointed 24-hour emergency medical assistance centre.
  • Waiting periods apply to some dental benefits; maternity and complications of pregnancy
Trusted Partners

GlobalHealth Asia only partners with respected, well-known service providers who share its customer first philosophy.

PT. Asuransi Umum Mega

PT. Asuransi Umum Mega was legally established in 2004, formerly known as PT. Asuransi Republik.  The name changed after CT Corp through PT. Mega Corpora (dh PT. Para Global Investindol) and PT. Para Rekan Investama as a new majority shareholder agreed to infuse a significant amount of capital.  To date, the company employs more than 350 employees, operating in 27 branches across Indonesia.


PT. Asuransi Umum Mega's vision is to become the leader and the most respectable insurance company within the industry by delivering excellent services, providing high level of value to the stakeholders and having a highly qualified team.

 

GlobalHealth Asia

All Mega International Health Care policies are managed and administered by GlobalHealth Asia, an Asian based firm formed in 1996 by a dedicated team of insurance professionals with over 30 years of experience in international health care management. The customer first philosophy of GlobalHealth Asia results in industry leading service being provided to all GlobalHealth policyholders.

 

Mega International Health Care offers you 3 modules for Hospital and Surgical cover.  The Hospital and Surgical module forms the base of your policy to ensure that you enjoy extensive cover for hospital treatment and outpatient surgery.  This includes cover for cancer and other chronic and acute conditions.  Evacuation and Repatriation Services also come as standard with this module.  You can further enhance your cover by adding on any optional module that you wish.

Comprehensive Hospital and Surgical Plan

  • Annual Limit US$2.5 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation and post-hospitalisation fully covered up to 90 days prior to confinement and following confinement
  • Newborn cover provided up to $200,000, up to a maximum of 90 days following  birth.
  • Congenital conditions covered up to $200,000 lifetime
  • Chronic conditions fully covered, no distinction between maintenance and acute.
  • Private nursing fully covered

General Hospital and Surgical Plan

  • Annual Limit US$2 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation fully covered 30 days before a confinement and post-hospitalisation fully covered up to 90 days following a confinement
  • Newborn cover provided up to $100,000, up to a maximum of 90 days following  birth.
  • Congenital conditions covered up to $100,000 lifetime
  • Chronic conditions fully covered, no distinction between maintenance and acute.
  • Private nursing fully covered

Base Hospital and Surgical Plan

  • Annual Limit US$1.5 million
  • Full cover for hospitalisation and outpatient surgery, cancer and chronic conditions
  • Emergency evacuation and repatriation up to US$500,000 per event
  • Pre-hospitalisation fully covered 30 days before a confinement and post-hospitalisation fully covered up to 90 days following a confinement
  • Chronic conditions fully covered, no distinction between maintenance and acute.

Area of Cover

Mega International Health Care offers you a choice in area of cover i.e. worldwide or worldwide excluding USA.  With a worldwide excluding elective treatment in the USA, services rendered outside of the area of cover are covered up to US$50,000 per period of insurance.  The area of cover chosen for the Hospital and Surgery plan will apply to all modules chosen.

Lifetime renewal

When you purchase a Mega International Health Care policy, we want you to become a customer for life. That’s why we offer a lifetime renewal guarantee.

Thus, no matter how large your claims may be during any policy year, you will always have the opportunity to renew your policy at prevailing rates. Unlike other insurance companies, we will not drop you as a customer due to your claims rate.  Our plans are portfolio rated.

This also means that with us, you will have lifetime coverage, even for chronic conditions that require years of treatment.

Pre-existing conditions

Your policy covers many pre-existing conditions, subject to prior disclosure and acceptance. We make every attempt to secure coverage of pre-existing conditions for you from our underwriters.

Once pre-existing conditions are approved, there are no waiting periods after joining before becoming eligible for coverage. And, usually no pre-insurance medical check-ups are required.

Online Services

You have secure access to your policy details at all times through www.globalhealthasia.com so you can check on your policy whenever it is most convenient for you.  You can also use the Online Services to check the status of your claims and download useful documents and forms.

Enhance your cover by selecting any of the following options

Outpatient Benefits

Outpatient Benefits adds further cover to your policy. Mega International Health Care offers you 2 outpatient modules to suit your budget and needs and you can combine them with any Hospital & Surgical Plan.

Plus Outpatient Benefits

  • Annual limit same as selected Hospital and Surgical plan limit
  • Full cover for GPs, specialists, medicines and drugs
  • Complementary Medicine and Traditional Chinese Medicine covered up to US$2,500 per year
  • Medical check up covered up to US$800 per year

Mid Outpatient Benefits

  • Annual limit same as selected Hospital and Surgery plan limit
  • Full cover for GPs, specialists, medicines and drugs
  • Complementary Medicine and Traditional Chinese Medicine covered up to US$1,500 per year
  • Medical check up covered up to US$500 per year

Maternity Benefits

  • Available to females between 19 to 45 years of age who have selected a Hospital and Surgical and Outpatient module with nil deductible
  • Pre and post-natal and delivery up to US$10,000 or US$5,000 per pregnancy
  • 12 month waiting period applies

Dental & Optical Benefits

  • Minor dental treatment up to US$1,000 per year
  • Other dental treatment up to US$2,500 per year with 80% co-insurance
  • Prescription lenses/contact lenses & optical examinations up to US$300 per year
  • Selected deductible does not apply to this module

Annual Deductible

Select your annual deductible to change the style of your cover. The deductible applies Hospital and Surgical and Outpatient plan (if selected). Deductibles of Nil; US$1,500; US$5,000 are available.

Outpatient Direct Billing Network

For policies with a nil deductible and with Plus and Mid outpatient plans, enjoy outpatient direct billing access to over 3,000 medical providers in Indonesia, Hong Kong, China, Singapore, Vietnam, Thailand and the rest of Asia by simply showing your member card.

Here are some of the significant exclusions and limitations of the policy.  Please refer to the Policy Terms and Conditions for the full list of exclusions and limitations.

  • Pre-existing conditions unless accepted at underwriting
  • Cosmetic treatment
  • Vitamins and supplements
  • Non-prescription medication
  • Birth control, infertility treatment, venereal disease
  • Weight loss treatment
  • Assisted conception, contraception including sterilization, fertility, sexual dysfunction, induced abortion
  • Treatment by a psychologist or any treatment, care or test related in any way to self-inflicted injury, suicide or attempted suicide, deliberate exposure to exceptional danger except in an effort to save human life, abuse of alcohol, drugs and/or medicines, sleep disorders, learning difficulties, behavioural or developmental disorders.
  • Travel expenses incurred to obtain medical treatment other than in the course of an emergency medical evacuation we have approved in advance, or which has been approved by our appointed 24-hour emergency medical assistance centre.
  • Waiting periods apply to some dental benefits; maternity and complications of pregnancy

GlobalHealth Asia only partners with respected, well-known service providers who share its customer first philosophy.

PT. Asuransi Umum Mega

PT. Asuransi Umum Mega was legally established in 2004, formerly known as PT. Asuransi Republik.  The name changed after CT Corp through PT. Mega Corpora (dh PT. Para Global Investindol) and PT. Para Rekan Investama as a new majority shareholder agreed to infuse a significant amount of capital.  To date, the company employs more than 350 employees, operating in 27 branches across Indonesia.


PT. Asuransi Umum Mega's vision is to become the leader and the most respectable insurance company within the industry by delivering excellent services, providing high level of value to the stakeholders and having a highly qualified team.

 

GlobalHealth Asia

All Mega International Health Care policies are managed and administered by GlobalHealth Asia, an Asian based firm formed in 1996 by a dedicated team of insurance professionals with over 30 years of experience in international health care management. The customer first philosophy of GlobalHealth Asia results in industry leading service being provided to all GlobalHealth policyholders.

 

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