Health and Personal Accident Insurance


In case of Hospitalization (due to Accident or illness)

LimitationPlan APlan B
Pre-HospitalizationMax 10 days100$200$
Post Hospitalization Max 90 days100$200$
Hospital General Fees Max per event 500$900$
Out-patient Minor Surgery Max per event 500$700$
In-patient Minor Surgery Max per event 1200$1800$
Major Surgery Max per event 1500$2100$
In-Hospital Doctor Visit Max 90 days10$20$
Ambulance Max per event 50$150$
Room and Board Ordinary Max 90 days15$25$
Room and Board Intensive Care Max 21 days100$ 200$
Daily Cash Allowance at Governmental HospitalMax 90 days10$15$
Outpatient Services for Accidental Injury Max per event 100$300$


LimitationPlan APlan B
Accidental Death/Disability Max per year 3 000$5 000$


Basic coverage

Plan A
$ 80 per year

comprehensive coverage

Plan B
$ 120 per year

Compulsory Enrollment only

  • Child: 5 - 17 years old
  • Adult: 18 - 60 years old

General Exclusions

  • Consequences of suicide and self-injury;
  • Death, disability causes by intentional actions of insured’s legal heir;
  • Consequences of war, terrorism, riots/demonstration, commit criminal act;
  • Consequences of quarrel;
  • Consequences of drugs or alcohol consumption. Note: based on police or health facility reports;
  • Consequences of Natural catastrophes, epidemics and pandemic declared by relevant authorities;
  • Death related to Human Immunodeficiency Virus (HIV);
  • Death related to pregnancy;
  • Professional sport related death, disability and injuries;
  • Traffic accident due to abusing country traffic rule.

Specific Exclusions for Health risk benefits

  • Inpatient treatment at a cabinet or nursing cabinet;
    • Physiotherapy, Cosmetic surgery, Plastic surgery, Skin diseases;
    • Congenital abnormally;
    • Chronic conditions and any complications thereof;
    • Blood transfusion/ Hemodialysis and Organ transplant;
    • Eye and dental treatments unless accidental injury;
    • Treatments performed by traditional healers;
    • Artificial Fecundation and infertility treatment;
    • Mobility aids or assistive devices for disabilities;
    • All services related to Maternity;
    • Mental illness;
    • Sexual Transmitted Diseases, HIV/AIDS;
    • Preventive treatment/Prophylactic, Vaccination and medical check-ups;
    • Any services covered by national programs. E.g. (currently HIV, Tuberculosis, Leprosy);
    • Admission for Para-clinical Examination.