Expat Care is a prominent product among our personal line products. It is designed follow the idea of our OTAI program, a prestige healthcare product of Tokio Marine which provide the Insured a 24-hour worldwide comprehensive coverage. Your family members can be included to be protected by the program as well.

CASHLESS SERVICE
As we deeply understand your difficult situation when facing health problems, we have eliminated all financial hinders such as bringing cash to the hospitals and/or clinics with you as long as you have treatments within the program coverage at the following address. Instead, the payment shall be settled directly by us.

YOUR BENEFITS

1. PRIMARY BENEFITS
   

   SECTION 1: PERSONAL ACCIDENT

   • Death/Total Permanent Disablement:
     We shall pay 100% of Sum Insured, which can be up to USD100,000.
   • Partial Permanent Disablement:
     We shall pay a percentage of Sum Insured as per the Table of compensation which complies with the Regulation.
   • Medical Expenses:
     We shall pay all actual and reasonable expenses including but not limited to hospital, surgical, medical, nursing fees or charges up to the Sum Insured.

   SECTION 2: HOSPITALIZATION AND SURGICAL EXPENSE
   Hospital Expense:
   The Actual Medical expenses for hospitalization is covered with limit of 60 days of treatment for one year period of insurance, including but not limited to below types:

   • accommodation with meals
   • testing
   • X-ray diagnosis
   • medicines
   • blood aid
   • oxygen and serum transmission
   • hospital clothes and daily allowance

   Operation Expenses:
   Actual Medical expenses in connection with operation and re-operation (which is not later than 90 days from the first operation) are covered including:

   • Diagnosis
   • Tranquilization
   • Restoration
   • Operation and operation - related costs
      
2. OTHER BENEFITS
   

   You can enjoy the below other benefits without any additional charge:
   Out-patient treatments received from public or private hospitals or clinics operating in accordance with laws and regulations of the country in which the Insured visits

   • Doctor colsultation
   • Prescribed drugs
   • Laboratory testing, radiographic and nuclear medicine procedures used for diagnosis and treatment
   • Physiotherapy prescribed by a physical

   Emergency Medical Evacuation and Overseas Hospitalization
   Food and Drink Poisoning
   Personal Accidents to the Insured whilst riding a motorcycling

MAIN EXCEPTIONS
The following treatments, conditions, activities, items and their related expenses are excluded from the insurance and we shall not be liable for

• Treatment or surgical operation for pre-existing diseases or injury.
• Dental treatment, oral maxillofacial surgery unless injury is caused by accidents.
• Mental disease and psychiatric disorders, leprosy, syphilis, gonorrhea, AIDS, malaria, occupational diseases and special diseases (such as: cancer, tumor, hypertension, stomach ulcers, hemorroids, and other diseases as listed).
• Prostheses, corrective divices and medical appliance, as well as artificial heart implantation.
• Injury caused by engaging in or practising any kind of sport as proffessional and dangerous sport such as parachuting, hang gliding, racing, potholing, mountaineering or rock climbing.

INSURED'S ELIGIBILITY
In order to join this insurance scheme, you need to be between the age of 1 and 65 and are not completely disabled or suffered over 50% of permanent disability.

IMPORTANT NOTICE TO INSUREDS
You must employ the services of a registered medical practitioner and undergo any treatment such pratitioner shall deem necessary.
You or anyone acting on your behalf must not make any fraudulent, false or exaggerated claims, otherwise we shall be under no obligation to make any payment under this Program.
You should read the Policy wordings carefully to fully understand your benefits and obligations.

Now it is time to send us your proposal form. If you still have a few questions, please see the claim guidelines, how to obtain your insurance policy or contact us.

	Contact us for any queries you may have
	Proposal Form
	Claim Form