Expat Essential

International Health Insurance
for Expatriates in Southeast Asia

Smart Access to Quality and Responsible Care.

Expat Essential is built around one core idea: long-term sustainability through responsible healthcare. We deliver strong access to care through a thoughtfully selected provider panel, partnering with excellent, top-tier providers.
This philosophy ensures you get the right care, at the right place, at the right time. By prioritizing these providers we protect the integrity of your plan, ensuring fewer surprises and a product that holds up over time.

Expat Essential Plans Overview

With Expat Essential, you have access to the Essential Network where you can benefit from direct billing at many leading providers, helping you access care with less admin and fewer upfront payments.

At designated hospitals in the Essential Network, an applicable copayment applies to covered eligible expenses. To view the current list of hospitals where copayments apply, please visit the Expat Essential Member’s Guide.

Coverage	Plan 1	Plan 2	Plan 3
Inpatient Coverage	$100,000 per year	$300,000 per year	$500,000 per year
Standard Private Room	Up to $156 per day	Up to $250 per day	Up to $312 per day
Cancer Treatment (6 months waiting period)	Paid in full up to annual limit - or - Up to $31,250 per year	Paid in full up to annual limit - or - Up to $62,500 per year	Paid in full up to annual limit - or - Up to $93,750 per year
Outpatient Coverage (Optional)	$2,000 per year	$3,000 per year	$5,000 per year
Dental Coverage (Optional)	$200 per year	$300 per year	$500 per year
Vision Care (Optional)	$100 per year	$200 per year	$300 per year
Maternity Coverage (Optional)	$2,000 per year	$3,000 per year	$5,000 per year

The primary area of coverage includes Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Nepal, Pakistan, Philippines, Sri Lanka, Thailand, and Vietnam.

Zone of Coverage

Choose the zone of coverage that fits your lifestyle:

Zone A

Worldwide excluding USA

Zone B

Worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China

Zone C

Worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, Brazil

Geographical Areas for Coverage of elective treatments in the limit of 175 days per year.

Worldwide Emergency Cover:
Worldwide coverage in case of accident or unforeseen medical emergency for trips of less than 60 consecutive days and in total does not excess 180 days per year, out of the area of coverage, and in the limit of 25% of the overall annual limit of the policy year

Eligibility

Applicants must reside in one or more of these countries for at least 185 days per year: Bangladesh, Bhutan, Brunei, Cambodia, East Timor, India, Indonesia, Laos, Malaysia, Maldives, Nepal, Pakistan, Philippines, Thailand, Sri Lanka or Vietnam.
These insurance plans are specifically designed for expatriates living outside their country of nationality. They are not available to individuals seeking coverage while residing in their home country.
Eligibility is subject to residency status and other applicable terms and conditions.
Available to applicants aged up to 70 years old. Children under 18 must apply with at least one parent.
Applicants aged 60 years old and above will require a medical checkup to apply.
Subject to Full Medical Underwriting and insurer acceptance.

Your Plan Documents

Benefits

Policy Wording