Compare company plans

Use the tables below to compare the benefits available under the four WorldCare options.  Select the WorldCare plan that best suits where you live.  We have options for international customers, as well as those resident in Singapore, Dubai, Mainland China and Indonesia.

For full terms and conditions please download and refer to the Member's Handbook.

  • Full Refund
  • Not Covered
  • Subject to Limits
  • Optional

Compare WorldCare Plans - international residents

Benefit Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3.5m Annual Max Plan Limit USD 4m Annual Max Plan Limit USD 4.5m
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Subject to Limits Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Full Refund Full Refund Full Refund
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Not Covered Optional Subject to Limits Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Not Covered Subject to Limits
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional Optional
Out-patient per visit excess

Opt for our out-patient per visit excess – you can have an excess of USD 15/EUR 12/GBP 10 or USD 25/EUR 20/GBP 15 per visit. 

Not Covered Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Not Covered Optional Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional Optional
Hong Kong Hospital Room Restriction
Reduce your premium by 15% by opting for Hong Kong-based hospital treatment in a semi-private room. Only available for residents of Hong Kong.
Optional Optional Optional Optional
Out-patient charges
A small optional amount of medical practitioner and physiotherapy benefit for WorldCare Essential
Optional Not Covered Not Covered Not Covered
HK & China hospital room restriction

Reduce your premium by 10% by opting for Hong Kong-based hospital treatment in a semi-private room and private room accommodation for most China-based hospital treatments (except for four high cost facilities). Only available for residents of China.

Optional Optional Optional Optional
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment. 

Optional Optional Optional Optional
Routine maternity care (no co-insurance/20% co-insurance)

The option to add routine maternity cover to the Advance or Excel plans (for compulsory group plans with 10 or more employees)

Not Covered Optional Optional Not Covered
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

Compare WorldCare Plans - Singapore

Benefit Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Subject to Limits Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Full Refund Full Refund Full Refund
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Not Covered Optional Subject to Limits Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Not Covered Subject to Limits
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional Optional
Out-patient per visit excess

Opt for our out-patient per visit excess – you can have an excess of USD 15/EUR 12/GBP 10 or USD 25/EUR 20/GBP 15 per visit. 

Not Covered Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Not Covered Optional Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional Optional
Out-patient charges
A small optional amount of medical practitioner and physiotherapy benefit for WorldCare Essential
Optional Not Covered Not Covered Not Covered
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment. 

Optional Optional Optional Optional
Hospital room restriction in Singapore

Residents of Singapore can elect to receive hospital treatment in a semi-private room in Singapore for a discount.

Optional Optional Optional Optional
Routine maternity care (no co-insurance/20% co-insurance)

The option to add routine maternity cover to the Advance or Excel plans (for compulsory group plans with 10 or more employees)

Not Covered Optional Optional Not Covered
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

Compare WorldCare Plans - Dubai

Benefit Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit USD 3.5m Annual Max Plan Limit USD 4m Annual Max Plan Limit USD 4.5m
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Full Refund Full Refund Full Refund
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Optional Subject to Limits Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Subject to Limits
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Optional Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional
Restricted network#

Opt for our Restricted Network option – No benefit will be payable in respect of costs associated with eligible in-patient, day-patient or out-patient treatment made at either the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group. Please note that if you selected the USD 25 per visit out-patient excess or one of the Co-insurance Plan options, these will still apply in the Restricted Network. This option is only available for new plans in-force on or after 1 August 2015 and to United Arab Emirates Residents.

Optional Optional Optional
Routine maternity care (no co-insurance/20% co-insurance)

The option to add routine maternity cover to the Advance or Excel plans (for compulsory group plans with 10 or more employees)

Optional Optional Not Covered
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment. Co-Insurance Out-Patient Treatment is not available to Insured Persons with residence visas in the Emirate of Abu Dhabi.

Optional Unknow Unknow
Out-patient per visit excess

Opt for our out-patient per visit excess – you can have an excess of USD 15 or USD 25 per visit.  Please note that only Out-Patient Per Visit Excess USD 15 is available to Insured Persons with residence visas in the Emirate of Abu Dhabi.

Optional Unknow Unknow
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF
Quote by Phone Quote by Phone Quote by Phone
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

Compare WorldCare Plans - Mainland China

Benefit Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit RMB 18,500,000 Annual Max Plan Limit RMB 22,000,000 Annual Max Plan Limit RMB 25,000,000 Annual Max Plan Limit RMB 28,000,000
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Subject to Limits Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maternity
Optional maternity care
Not Covered Optional Optional Not Covered
Dental care
Optional routine and complex dental treatment
Not Covered Optional Not Covered Not Covered
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Subject to Limits Subject to Limits Full Refund
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Not Covered Not Covered Subject to Limits Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Not Covered Subject to Limits
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Not Covered Optional Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional Optional
Out-patient charges
A small optional amount of medical practitioner and physiotherapy benefit for WorldCare Essential
Optional Not Covered Not Covered Not Covered
Greater China option

Cover for in-patient, day-patient, and out-patient treatment restricted to Greater China subject to the standard policy limits and emergency non elective treatment outside of Greater China. Greater China means Mainland China, Hong Kong, Macau and Taiwan.

Optional Optional Optional Optional
High cost provider restriction

Reduce your premium by restricting your access to the high cost medical providers in Mainland China.

Not Covered Optional Optional Optional
High cost provider co-insurance

Get access to the high cost medical providers in Mainland China but pay a 20% co-insurance to reduce your premium.

Not Covered Optional Optional Optional
In-patient and out-patient co-insurance

Reduce your premium by paying an RMB 20% co-insurance for all treatment up to an out of pocket limit of RMB 63,000 per medical condition.

Not Covered Optional Optional Optional
Out-patient restriction

Restrict any out-patient costs to a total of RMB 31,000 to reduce your premium.

Not Covered Optional Not Covered Not Covered
Out-patient direct billing restricted network*

Opt for our out-patient direct billing option – you get a nil excess within our Restricted Network and a USD 100 excess out of the Restricted Network – a more cost-effective solution than choosing a nil excess. This option is only available for plans in-force on or after 1 August 2015 and for Residents of Hong Kong and China.

Not Covered Optional Optional Optional
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment. 

Not Covered Optional Optional Optional
Hospital room restriction – PRC residents only

Access in-patient treatment in a semi-private room or with a 15% co-inusrance up to an out of pocket limit of RMB 47,000 per medical condition.

Optional Optional Unknow Optional
Removal of co-insurance for dental care

The option to remove the co-insurance from the routine and complex dental benefit

Not Covered Not Covered Optional Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

Compare WorldCare Plans - Indonesia

Benefit Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m Annual Max Plan Limit USD 3m
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Subject to Limits Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Subject to Limits Subject to Limits Full Refund
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Not Covered Optional Subject to Limits Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Not Covered Subject to Limits
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional Optional
Out-patient per visit excess

Opt for our out-patient per visit excess – you can have an excess of USD 15/EUR 12/GBP 10 or USD 25/EUR 20/GBP 15 per visit. 

Not Covered Optional Optional Optional
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (for compulsory group plans with 3 or more employees and not available for WorldCare Essential)

Not Covered Optional Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional Optional
Out-patient charges
A small optional amount of medical practitioner and physiotherapy benefit for WorldCare Essential
Optional Not Covered Not Covered Not Covered
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment. 

Not Covered Optional Optional Optional
Routine maternity care (no co-insurance/20% co-insurance)

The option to add routine maternity cover to the Advance or Excel plans (for compulsory group plans with 10 or more employees)

Not Covered Optional Optional Not Covered
Hospital room restriction for residents in Indonesia & Singapore

Take the Hospital Room Restriction benefit in Indonesia and receive hospital treatment in Indonesia and Singapore in a semi-private room. There is a 5% discount associated with this option. Choosing this option means that hospital rooms will be restricted to ward or semi-private in Indonesia and Singapore. Hospital rooms outside Indonesia and Singapore remain at standard private level.

Optional Optional Optional Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

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