How to choose the plan that best fits your needs?
This section will help you decide which health insurance plan is suitable for you.
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Apex
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Advanced
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Essential
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Our leading medical insurance plan offers the most extensive coverage for your medical needs. Benefits for maternity and pre-ex are provided after a 12 month waiting period.
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An ideal plan, providing comprehensive coverage for your medical needs. This plan provides benefits for both inpatient (in hospital) and outpatient treatments. Advanced covers pre-existing conditions after a 12 month waiting period.
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The ultimate medical insurance plan for those who want to be covered for emergency accidents and injuries that require hospitalization. The plan provides inpatient (in hospital) benefits only.
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How to Decide - Step 1
Before you compare the benefits of the different plans, please consider the following decision making factors:
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If you want coverage for pre-existing conditions choose either the Apex plan or the Advanced plan.
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Both Advanced and Apex plans offer you comprehensive coverage for your medical needs. The Apex plan offers a lower deductible ($25), lower co-insurance (10%) higher lifetime Medical Expenses benefits ($1,000,000) as well as coverage for maternity. These plans cover from simple incidents like flu, stomach viruses and a broken leg to all serious accident or injury.
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If you need coverage for maternity select the Apex plan.
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If you are rarely visit the doctor, want coverage for emergency cases, and are prepared to settle for benefits in hospital only - go for the Essential plan.
How to Decide - Step 2
Look at the Summary Schedule of Benefits table and compare the benefits each plan offers.How to Decide - Step 3
Look at the Monthly Individual Rates table and compare the cost (premium) of each insurance plan for your age group.How to Decide - Step 4
Compare your expected out-of-pocket expenses for the following cases: You are responsible to pay the deductible ($25/$50/$100) and then co-insurance (10%/20%/20%) up to $20,000 maximum.
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Apex
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Advanced
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Essential
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Total medical bills
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You pay
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Insurance pays
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You pay
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Insurance pays
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You pay
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Insurance pays
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1 doctor visits
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$100
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$25+$7.50
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$67.50
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$50+$10
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$40
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$100
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Not covered
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Hospitalization
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$3,000
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$25+$297.50
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$2,677.50
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$50+$590
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$2,360
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$100+$580
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$2,320
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Major Event 1
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$20,000
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$25+$1,997.50
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$17,977.50
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$50+$3,990
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$15,960
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$100+$3,980
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$15,920
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Major Event 2
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$50,000
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$25+$1,997.50
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$47,977.50
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$50+$3,990
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$45,960
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$100+$3,980
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$45,920
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