Plans for individuals

residing in China & Singapore (CS)

yourLife

yourLife is our standard individual health plan, which offers all the benefits you’d expect – and many you might not. Routine check ups, mental health appointments and prescription costs are all included. We cover preventative care too, so our members don’t need to wait before seeking treatment. Please see below for the full table of benefits included in this plan.

PremierLife

Our PremierLife individual health plan delivers the most complete and benefit rich health protection imaginable. PremierLife is designed for expats that want enhanced coverage and access to the best care worldwide, while allowing the flexibility to choose where they want to receive treatment. Please see below for the full table of benefits included in this Premier plan.

Table of benefits

Table of benefits	yourLife	PremierLife
Maximum lifetime plan benefit	$2,500,000 \| €2,000,000 \| £1,500,000	$5,000,000 \| €3,750,000 \| £3,000,000
Annual maximum plan benefit	$1,500,000 \| €1,250,000 \| £1,000,000	$2,000,000 \| €1,500,000 \| £1,250,000

Table of benefits	yourLife	PremierLife
Accommodation	Semi-private room	Private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment	100% \| 90% US/Canada	100%
Intensive care unit	100% \| 90% US/Canada	100%
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient	100% \| 90% US/Canada	100%
Surgeons’ and anaesthetists’ fees	100% \| 90% US/Canada	100%
Inpatient consultation by specialist	100% \| 90% US/Canada	100%
Emergency room	100% \| 90% US/Canada	100%
Pathology, radiology, and diagnostic tests	100% \| 90% US/Canada	100%
MRI, CT and PET scans	100% \| 90% US/Canada	100%
Private duty nursing (Lifetime maximum)	$7,500 \| €6,000 \| £5,000	$15,000 \| €12,500 \| £10,000
Skilled nursing facility (Lifetime maximum)	$7,500 \| €6,000 \| £5,000	$15,000 \| €12,500 \| £10,000
Home health care (Lifetime maximum)	$7,500 \| €6,000 \| £5,000	$15,000 \| €12,500 \| £10,000
Hospice care services (Lifetime maximum)	$10,000 \| €8,000 \| £6,500	$20,000 \| €15,000 \| £13,000
Emergency dental treatment (as a result of accident)	100% \| 90% US/Canada	100%
Cancer treatment	100% \| 90% US/Canada	100%
Child and companion accompaniment	N/A If the insured person is a child under 16 who requires hospitalisation, we will pay for necessary overnight accommodation for one parent in the same hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary.	N/A If the insured person is a child under 16 who requires hospitalisation, we will pay for necessary overnight accommodation for one parent in the same hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary.
MANAGED TRANSPLANT PROGRAMME	Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy.	Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy.
Organ transplants maximum lifetime	$500,000 \| €400,000 \| £300,000	$500,000 \| €400,000 \| £300,000
Tissue transplants (as part of the overall organ max.)	$250,000 \| €200,000 \| £150,000	$250,000 \| €200,000 \| £150,000

Table of benefits	yourLife	PremierLife
Surgery as outpatient	100% \| 90% US/Canada	100%
Physician office visits and specialist fees	90%	100%
Diagnostic and therapeutic services (as outpatient, per visit)	90%	100%
Physical therapy (as outpatient, per visit)	90% \| $75 \| €60 \| £50 policy year max 30 visits	100% \| $75 \| €60 \| £50 policy year max 50 visits
Occupational therapy (as outpatient, per visit)	90% \| $75 \| €60 \| £50 policy year max 30 visits	100% \| $75 \| €60 \| £50 policy year max 50 visits
Chiropractic services Policy year maximum for chiropractic services Referral letter required from medical physician	90% \| $750 \| €600 \| £500	100% \| $1,500 \| €1,250 \| £1,000
Complementary medicine Including TCM, bonesetting, acupuncture, herbal medicine, homeopathy and osteopathy	N/A	100% \| $1,500 \| €1,250 \| £1,000
PRESCRIPTION PROGRAMME
In US (no deductible applies)	90% generic \| 80% brand	100% generic \| 90% brand
All other countries (deductible applies)	90%	100%
DENTAL
Routine dental	N/A	$1,500 \| €1,250 \| £1,000
Diagnostic and preventive dental	N/A	100%
Dental plan option available	Yes See dental options	Yes See dental options

Table of benefits	yourLife	PremierLife
Pregnancy normal delivery	N/A	N/A
Complicated pregnancy	N/A	N/A
	Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge.	Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge.
New born cover Included in New Born Cover are premature births, congenital conditions and birth anomalies. New Born Cover is only available for a covered pregnancy.	N/A	N/A

Need maternity cover?

Table of benefits	yourLife	PremierLife
ADULTS Per policy year	$500 \| €400 \| £300	$750 \| €600 \| £500
Routine physical exams in connection with overall health and wellbeing	90%	100%
Pap smear	90%	100%
Mammograms: ages 35-39 one baseline exam; ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline; age 50 and over one exam annually; any age whenever prescribed by a physician	90%	100%
Prostate cancer screening: one test per policy year for males age 50 or over	90%	100%
Immunizations and vaccinations	90%	100%
CHILD(REN)
Maximum per policy year: birth to age 12 months	N/A	N/A
Maximum per policy year: 13 months and over	N/A	N/A
Routine medical exams and immunizations and vaccinations	N/A	N/A
Child preventive care services	N/A	N/A
Hearing tests	N/A	N/A

Six-month waiting period applies to all Wellness Benefits, but waits are waived for policies that are paid annually. Deductible does not apply to Wellness Benefits. Overall Wellness Benefit maximums apply to all routine and Wellness Benefits for adults and children.

Table of benefits	yourLife	PremierLife
Vision care cover	100%	100%
Maximum per 24-month period Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually.	$300 \| €275 \| £225	$300 \| €275 \| £225

Table of benefits	yourLife	PremierLife
Medical evacuation and assistance	100%	100%
24/7 Emergency medical assistance hotline	Yes	Yes
Repatriation of mortal remains	100%	100%
Family emergency travel	N/A	100% \| $5,000 \| €3,500 \| £3,000
Repatriation accompaniment	N/A	100% \| $5,000 \| €3,500 \| £3,000
Repatriation family accompaniment	N/A	N/A

Table of benefits	yourLife	PremierLife
SAND protection	Access-only	Access-only

Access to SAND protection provides you with international emergency response in situations such as political unrest and natural disasters, anywhere in the world. Specifically, the protection can help all our members by offering emergency services, including evacuations, contingency planning, remote medical abilities, crisis management and tracking services. Members can contact the service and receive advice and help from the 24/7 operations centre.

Table of benefits	yourLife	PremierLife
Best possible outcome programme	N/A	Yes
	A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.	A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.
Advanced health screening programme	N/A	100%
Ages 40-50 one high level physical examination every three years	N/A	$1,000 \| €750 \| £650
Ages 50+ one high level physical examination every three years	N/A	$1,500 \| €1,250 \| £1,000
Blood care programme	N/A	Yes
	A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world.	A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world.
eHealth records account	Yes	Yes

Table of benefits	yourLife	PremierLife
Mental Health Benefits	90%	100%
Lifetime maximum for mental health benefits (inpatient and outpatient)	$25,000 \| €20,000 \| £15,000	$25,000 \| €20,000 \| £15,000
Policy year mental illness, maximum (out-of-hospital) 15 visits	$2,500 \| €2,000 \| £1,500 per policy year	$2,500 \| €2,000 \| £1,500 per policy year
Lifetime mental illness, maximum per insured (in-hospital)	60 days	60 days
Lifetime maximum for mental health benefits (out-of-hospital)	80 visits	80 visits

Mental health benefits do not count towards out of pocket maximum.

Table of benefits	yourLife	PremierLife
Expatriate Assistance Programme	Yes	Yes

Operated by Morneau Shepell, provides assistance with the following types of issues often faced by expatriates: how to cope with isolation and loneliness, adapt across cultures, identify and cope with culture shock, address the personal impact of the relocation, strengthen relationships, improve communication, work towards life goals, deal with stress, anxiety and depression, address alcohol and drug misuse, resolve marital and relationship difficulties, find solutions for work-related issues, access crisis and trauma support while on assignment, discover ways to improve your nutrition in your new environment, focus on your health with natural healing strategies.

Table of benefits	yourLife	PremierLife
HIV/AIDS treatment	Yes	Yes
Lifetime maximum	$25,000 \| €20,000 \| £15,000	$25,000 \| €20,000 \| £15,000

Table of benefits	yourLife	PremierLife
Durable medical equipment	Yes	Yes
Lifetime maximum	$15,000 \| €12,000 \| £10,000	$20,000 \| €15,000 \| £13,000

Elected co-pay option applies for all outpatient benefits in this section.

Table of benefits	yourLife	PremierLife
Chronic conditions	Yes	Yes

Chronic conditions are treated like any other condition under the policy.

Table of benefits	yourLife	PremierLife
Lump sum in case of death All causes	$5,000 \| €5,000 \| £5,000	$10,000 \| €10,000 \| £10,000

Table of benefits	yourLife	PremierLife
Individual deductible	Yes	Yes
Family deductible	No	No
Deductible options are:	$200 \| €150 \| £125 $500 \| €400 \| £300 $1,000 \| €750 \| £650 $5,000 \| €4,000 \| £3,000	$0 \| €0 \| £0 $100 \| €75 \| £65 $200 \| €150 \| £125 $500 \| €400 \| £300 $1,000 \| €750 \| £650 $5,000 \| €4,000 \| £3,000

Table of benefits	yourLife	PremierLife
Individual	$1,000 \| €750 \| £650	$1,000 \| €750 \| £650

An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.

Important – in China, Hong Kong, Macau and Singapore the out of pocket maximum does not apply to any additional Network Coinsurance, i.e. for treatment received in a higher network tier or equivalent than your elected network tier.

Table of benefits	yourLife	PremierLife
Family	$3,000 \| €2,250 \| £2,000	$3,000 \| €2,250 \| £2,000

Functions just like the individual out of pocket except this is protection for the entire family. If the family out of pocket maximum is reached regardless of whether the individual out of pocket limit is reached the entire family under cover has their 90% benefits switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.

Cover Region 1 – Worldwide including US and Canada and their territories.

For Cover Region 1 – please note that benefits listed above are only applicable when using our UnitedHealthcare (UHC) Preferred Provider Network. The UHC Network is one of the largest in the US with over 650,000 medical providers. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.

Please note that Cover Region 1 is limited to 180 days in the US in any 12 month period.

Cover Region 2 – Worldwide but excluding US and Canada and their territories.

Cover Region 2 – does not include any cover for US and Canada and their territories.

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:

NETWORK COINSURANCE	NETWORK PROVIDER USED
Elected Network Tier	Platinum	Gold	Silver
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.

Optional benefits plan	yourLife	PremierLife
Individual deductible	$50 \| €40 \| £30	$50 \| €40 \| £30
Family deductible	N/A	N/A
CLASS I EXPENSES Diagnostic – general preventive	100%	Included under your Premier medical plan
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery	80%	90%
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation).	50%	60%

Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.

Optional benefits plan	yourLife	PremierLife
Policy year maximum (per insured person)	$1,500 \| €1,200 \| £1,000	$3,000 \| €2,250 \| £2,000
Orthodontic lifetime maximum	$1,500 \| €1,200 \| £1,000	$2,500 \| €2,000 \| £1,500

In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.

Optional benefits plan	yourLife	PremierLife
Policy year maximum plan benefit	N/A	$100,000 \| €80,000 \| £70,000
Loss of life	100%	100%
Loss of sight of both eyes	100%	100%
Loss of both hands or arms	100%	100%
Loss of both feet or both legs	100%	100%
Loss of one arm and one leg	100%	100%
Loss of sight of one eye	50%	50%
Loss of one foot or one leg	50%	50%
Loss of one hand or arm	50%	50%

N.B. Benefits cannot exceed two times annual salary. See rate sheet for benefit sums available.

Downloads

Marketing brochures Table of benefits Policy wording and summary Forms Guides CS Direct Billing Network IPID

China and Singapore (CS)

healthOptions brochure (IG00332)

healthOptions brochure

This document outlines our yourHealth range of policies for individuals and families based in the China and Singapore (CS).

6th September 2018Last revised: 01/2021

InCare Health Options (IG00375)

InCare Health Options

The InCare Life health options brochure showcasing our InPatient only policy.

6th April 2020Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

InCare Life – Table of Benefits (IG00373)

InCare Life – Table of Benefits

The InCare Life table of benefits. Our InPatient only policy.

6th April 2020Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

InCare Premier – Table of Benefits (IG00419)

InCare Premier – Table of Benefits

The InCare Premier table of benefits. Our InPatient only policy.

6th April 2020Last revised: 01/2021

China and Singapore (CS)

premierHealth – Table of Benefits (IG00334)

premierHealth – Table of Benefits

The PremierHealth table of benefits for individuals and families based in China and Singapore (CS).

7th September 2018Last revised: 01/2021

China and Singapore (CS)

yourHealth – Table of Benefits (IG00333)

yourHealth – Table of Benefits

The yourHealth table of benefits for individuals and families based in China and Singapore (CS).

7th September 2018Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

InCare Group Policy Wording (IG00377)

InCare Group Policy Wording

The policy wording for our inpatient-only plan for teams.

14th April 2020Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

InCare Individual Policy Wording (IG00372)

InCare Individual Policy Wording

The policy wording for our inpatient-only plan for individuals and families.

14th April 2020Last revised: 01/2021

China and Singapore (CS)

Policy Summary (IG00344)

Policy Summary

This document is designed as a summary of the Policy wording. Please refer to the Policy wording for the full description of the terms and conditions of this policy.

7th September 2018Last revised: 09/2018

China and Singapore (CS), Worldwide (ROW)

Policy wording (IG00517)

Policy wording

This document contains a full policy wording.

7th September 2018Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

Claim form (IG00245)

Claim form

Claiming form required for ROW medical expenses.

10th April 2018Last revised: 09/2018

China and Singapore (CS), Worldwide (ROW)

Credit card authorisation form (IG00074)

Credit card authorisation form

Please use this form to provide us with your credit card details.

7th September 2018Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

Individual enrolment form (IG00342)

Individual enrolment form

Enrolment form for individuals and their families.

7th September 2018Last revised: 09/2018

China and Singapore (CS), Worldwide (ROW)

Life cover and AD&D nomination form (IG00307)

Life cover and AD&D nomination form

Use this form to nominate beneficiaries for accidental death & dismemberment and life cover benefits.

7th September 2018Last revised: 01/2021

China and Singapore (CS), Worldwide (ROW)

Transition of care form (IG00249)

Transition of care form

Please use this form if to transition care from one provider to another.

7th September 2018Last revised: 09/2018

China and Singapore (CS), Worldwide (ROW)

Claiming guide (IG00265)

Claiming guide

Guide for claiming medical expenses.

4th September 2018Last revised: 03/2020

China and Singapore (CS)

Expat Assistance Programme – Far East (IG00034)

Expat Assistance Programme – Far East

Our Expat Assistance Programme connects all our members to better health and wellbeing through confidential help and support.

17th October 2018Last revised: 01/2021

China and Singapore (CS)

China Network List (IG00266)

China Network List

A full list of all health providers within our network list in China.

23rd October 2017Last revised: 10/2018

China and Singapore (CS)

Hong Kong, Singapore and Macau network list (IG00267)

Hong Kong, Singapore and Macau network list

A full list of all health providers within our network list in Hong Kong, Singapore and Macau.

23rd October 2017Last revised: 10/2018

China and Singapore (CS), Worldwide (ROW)

IPID

The IPID (Insurance Product Information Document) for our Worldwide and China & Singapore individual and family plans.

9th August 2019Last revised: 11/2018

Key contacts for China & Singapore plans

Individual enrolments	For all queries related to individual enrolments and dependent additions	enrol@integraglobal.com
Individual renewals	For queries related to individual plan renewals	renewals@integraglobal.com
Group enrolments, new joiners and cancellations	For all queries related to group enrolment, new joiners or cancellations	group-enrol@integraglobal.com
Quotes and proposals	For any requests for new business quotes and group renewal proposals	group-quotes@integraglobal.com
Member care	For all member service queries	member-care@integraglobal.com

Integra Global

International: +44 333 405 3003
UK: 0808 101 3483 (freephone)