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An excess (also called a ‘deductible’) is the amount you contribute toward your medical bills when you make a claim. The more you contribute, the less you pay for your insurance cover. With our health insurance, excesses range from US$50 to US$10,000. You can also choose to have no excess (known as ‘nil excess’).
If you do choose an excess, you choose from 2 types.
1/ ‘Per claim’ excesses
This is the amount you pay each time you make a new claim for treatment of a covered condition. If the condition comes back, it’s considered a new claim, and you have to pay the excess again. If your treatment for a condition happens over two policy years, you pay the excess again when your policy renews.
2/ ‘Per annum’ excesses
This is the amount you contribute toward treatment in each policy year. We cover the treatment costs above your excess. When your policy renews, your excess starts over, and you contribute your excess toward treatment in your new policy year.
Read our guide to excesses to learn more.
Normally, we only provide insurance to expats (i.e., people living and working outside of their country of nationality). But there are a few exceptions.
3 things determine your eligibility for our international health insurance: nationality, where you live, and age.
There are some countries where we can’t provide health insurance. The rules are a bit different for new members and existing members.
You can keep your health insurance policy for as long as you want. There’s no age limit once you become a member. What’s more, you can keep your policy regardless of how many claims you make or the state of your health.
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