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The Asia Care HARMONY international health insurance plan gives you the essential in-patient benefits, but also include out-patient benefits such as: general practioner fees, specialist fees, prescribed medicine, dental care, routine health checkups and higher level of coverage for maternity & childbirth benefits. 

Annual Limit per Year and per Person: $ 1,000,000

  • 100% cover for hospitalization
  • 100% cover for cancer
  • Out-patient benefits up to 5500US$ per year 
  • Dental care
  • Maternity & childbirth benefits

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Annual Limit per Year & per Person $1,000,000
In-patient Benefits (Hospital Services)more Yes
Staying in hospital overnight or as a day case Private room $280 per day
Parent accomodation with an insured child under 18 $40 per day max 30 days
Day care treatment or Out-patient surgery Information Paid in full
Nursing care Paid in full
Operating room, medicine & surgical dressing Paid in full
Prescription drugs and materials Paid in full
MRI, PET & CT-PET scans Paid in full
Intensive care, intensive therapy, coronary care, dependency unit Paid in full
Surgical fees including anesthesia Paid in full
Reconstructive surgery following accident/eligible medical condition Paid in full
Specialist's consulations fees Paid in full
Diagnostic test - Pathology Xrays Paid in full
Organ and bone marrow transplant services Paid in full
Cancer treatment Paid in full
Hospice and palliative care $35 000
Psychiatric treatment (10 months waiting period) Paid in full for 20 days
Prosthetic implants & appliances Paid in full
Rehabilitation Paid in full for 30 days per medical condition
Nursing at home or in a convalescent home $1,000
Emergency dental treatment following an accident Paid in full
Local road ambulance service Paid in full
Hospitalization cash benefit $125
Treatment for HIV and Aids more Yes
Both in and out-patient. For inpatient: insureds must have 2 years continuous cover. Maximum coverage: 5 years. (24 months waiting period) $25,000
Treatment for Congenital Anomalies more Yes
Treatment for congenital anomalies which manifests itself after the day of entry Up to $100,000
Maternity and Childbirth Care more Yes
Normal pregnancy and delivery costs (10 months waiting period)
Complications of pregnancy and childbirth (10 months waiting period) Up to $4,000
Newborn care (10 months waiting period)
Out-patient Benefits more Yes
Pre-operative consultation & diagnostic procedure within 15 days from the admission & post hospitalization Paid in full
General practitioner fees & drugs Paid in full
Specialist fees up to $250 per visit
Out patient surgical procedure Paid in full
Lab tests, Xrays, diagnostic & pathology tests Paid in full
Vaccinations Not covered
Prescribed medecine Paid in full
Chiropractic, osteopathy, homeopathy, acupuncture treatment, traditional Chinese medecine by a recognised practitioner, Up to $250 (15 sessions per year)
Prescribed physiotherapy, complementary therapies Up to 10 visits / 50$ per session
Prescribed medical aids (hearing aids & orthopaedic appliances) Up to $ 250 per year
Routine health check up including screening for early detection (Full health screen, Mammogram, Papanicolaou (PAP) test, Prostate Cancer Screen) Up to $200 per year
Dental Treatment more Yes
Routine dental treatment (check up, basic treatments) Up to $1000 per year with 10% co-payment
Major restorative dental treatment including orthodontic, prostheses brigdes, implants after 9 months of policy purchase (2 years for orthodontic and aged less 18 years for orthodontic)
Vision Care more No
Including glasses, frames, contact lenses, laser treatment (9 months waiting period) Not covered
Psychiatric Treatment more No
Lifetime limit for all psychiatric care after 18 months of policy purchase Not covered
Ancillary Charges No
Chronic Conditions & Pre-existing Conditions COVERED
upon medical acceptance
Lifetime Renewal Yes
Emergency Medical Evacuation Yes

Paid in full Paid in full Covered Covered Not Covered Not covered

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