CHINA, HONG KONG, MACAU, SINGAPORE
The following only applies to medical services received within China, Hong Kong, Macau and Singapore.
You will be insured on your choice of one of three tiered provider network options: Platinum, Gold, or Silver.
Your Elected Network Tier is stated on your Certificate of Insurance.
You will be provided with an extensive list of healthcare providers (hospitals/physicians) in each of the three tiers.
You can choose to use any recognised healthcare provider however, it is important that prior to visiting a healthcare provider, you check which network tier the provider is in.
The categorisation of healthcare providers reflects the standard of accommodation available, and the level of charges made, not the standard of medical treatment or level of medical facilities that can be expected. It is your responsibility to ensure that the network tier which you elect, and the healthcare providers which you choose to use, afford adequate cover for your healthcare needs.
Important – If you choose to be treated at a healthcare provider which is in a higher network tier than you have elected, the following Network Coinsurance will apply:
Platinum
|
0%
|
0%
|
0%
|
Gold
|
25%
|
0%
|
0%
|
Silver
|
50%
|
15%
|
0%
|
For example: if your elected network tier is Gold, and you choose to be treated at a healthcare provider in the Platinum network, you will have to pay additional Network Coinsurance of 25% of the charges yourself.
Note: the Network Coinsurance is in addition to any outpatient coinsurance applicable to your plan.
If you are unsure of this, and to avoid incurring any unnecessary or unexpected shortfalls, please call our members helpline, to check your level of cover.