Health Insurance for Australian Expatriates

Appearing below is a summary comparison of the ACE and Chubb International health plans. It is not intended to be exhaustive and you are strongly urged you to use the broker services available through our Inquiry Form to discuss any individual issues regarding policy coverage.

BENEFIT COMPARISON BETWEEN ACE AND CHUBB (GOLD &PLATINUM) HEALTH POLICIES
.	ACE	CHUBB GOLD	CHUBB PLATINUM
Policy Limit	$A1,000,000 per person	$A1,000,000 to $A2,000,000 depending on Region	$A1,000,000 to $A2,000,000 depending on Region
SECTION A - EXPATRIATE MEDICAL COVER HOSPITAL IN PATIENT/DAY PATIENT - 100% Reimbursement of Actual Costs
Accommodation and ancillary charges Intensive Care Theatre Medical Supplies Surgically Implanted Prosthetics	Full Refund to Policy Limit	Full Refund to Policy Limit	Full Refund to Policy Limit
Doctors, Anaesthetics, Nursing costs and Diagnostic procedures	Full Refund to Policy Limit	Fully Refund to Policy Limit	Full Refund to Policy Limit
Parenting Accommodation	Full refund for reasonable cost of a parent staying in the same hospital with the child under the age of 16	Full refund for reasonable cost of a parent staying in the same hospital with the child under the age of 16	Full refund for reasonable cost of a parent staying in the same hospital with the child under the age of 16
DOCTOR SERVICES 100% Reimbursement of Actual Costs
Doctor Services - charges for outpatient services made by a qualified practitioner for performing a surgical procedure and/or other medical care and treatment (includes specialisit consultations)	Full Refund to Policy Limit	Full Refund to Policy Limit	Full Refund to Policy Limit
MATERNITY Pregnancy to occur during period of Insurance
Routine Care	$10,000	$10,000	Unlimited to policy limit
Chidbirth (Hospital Inpatient up to 6 months)	$10,000	$10,000	Unlimited to policy limit
Pregnancy and childbirth emergency and complications	$10,000	$10,000	Unlimited to policy limit
Pregnancy and childbirth travel and accommodation	No Benefit	No Benefit	Unlimited to policy limit
ANCILLARY BENEFITS Multiply CHUBB benefits x 2 for US/CANADA/HONG KONG/UK/JAPAN
Acupuncture	Acupuncture Naturopathy Hypnotherapy $500 combined	$500 per person	$500 per person
Chiropody/Podiatry	Podiatry only $500 per person	$500 per person	$500 per person
Chiropractor/Osteopathy	$100 per visit to maximum of $1,000	$1,200 per person ($120 per visit)	$1,250 per person
Dietician	$500 per person	$500 per person	$500 per person
Hearing Aids/Prosthesis (one appliance every 2 years)	100% to a maximum of $1,000 One appliance every two years.	$600 any one appliance, annual sub limit $1,200 per person	$750 any one appliance annual sub limit of $1,500 per person
Homeopath	No Benefit	$250 per person	$1,250 per person
Naturopath	No separate benefit	$250 per person	$1,250 per person
Optical	$500 any one insured person	$500 any one insured person	$1500 any one insured person
Physiotherapist	100% to a maximum of $1,500	$2,500 per person ($150 per visit)	$1500 per person
Psychology/Psychiatry Psychotherapy/Hypnotherapy Personal, Family, Marital Counselling	Psychology/Psychiatry only 100% to a maximum of $1,500	$2,500 per person	$2,500 per person
Speech Therapy	$500 per person	$500 per person	$1000 per person
DENTAL SERVICES - 100% Reimbursement of Actual Costs (Subject to Annual sub limits below)
Dental Services Charges made by a qualified dentist or oral surgeon for; treatment for fractures and dislocations of the jaw, cutting procedures in the oral cavity and extractions and repair, care for the teeth and gums.	General Dental: 85% to $1,200 Specialist Dental: 85% to $1,200	Limit of $2,400 per person combined	Limit of $2,500 per person combined
Emergency Dental As a result of an injury to sound and natural teeth	No Benefit	Full refund to policy limit	Full refund to policy limit
NURSING CARE SERVICES - 100% Reimbursement of Actual Costs (Subject to Annual sub limits below)
In Hospital	Full refund to policy limit	Full refund to policy limit	Full refund to policy limit
Home Nursing following an injury or Sickness as defined by a qualified nurse who is not a relative	$750 per week for 4 weeks	Limit of $3,000 per person	Limit of $10,000 per person
OTHER INPATIENT SERVICES - 100% Reimbursement of Actual Costs (Subject to Annual sub limits below)
Anaesthetic Services	Full refund to policy limit	Full refund to policy limit	Full refund to policy limit
Pharmaceutical Suppliues	100% to $2,000	Limit $2,000 per person	Limit $2,000 per person
Radiation Therapy	Full refund to policy limit	Full refund to policy limit	Full refund to policy limit
X Ray and Laboratory Examinations	Full refund to policy limit	Full refund to policy limit	Full refund to policy limit
Rehabilitation/Occupational Therapy	100% to $10,000 Injury /Illness	100% to $10,000 Injury /Illness	100% to $10,000 Injury /Illness
OTHER BENEFITS - 100% Reimbursement of Actual Costs (Subject to Annual sub limits below)
Compassionate Travel: Additional Travel Expenses Following unexpected death or life threatening injury or illness of your spouse, parent, step-parent, parent-in-law, brother, sister, child or grandchild. Subject to person whom the journey depends is not over 80 years. Airline costs must be incurred within 14 days of first becoming aware of the condition	The maximum amount payable is $3,000	Cost of economy class return tickets to travel to your country of residence up to a maximum $10,000 per person or family	Cost of economy class return tickets to travel to your country of residence up to a maximum $10,000 per person or family
Personal Legal Liability	No Benefit	$10,000,000	$10,000,000
SECTION B - EMERGENCY TRAVEL ASSISTANCE 100% Reimbursement of Actual Costs
Medical Transfer and Emergency Evacuation/Repatriation Including Return transportation	Maximum amount payable is $100,000. Once Only	Maximum amount payable is $100,000. Once Only	Full refund to policy limit: Unlimited usage.
Ambulance Service to and from Hospital - Road and Air	Only as part of repatriation	Limited to six journeys by road and one air ambulance journey per person per annum. (This does not include repatriation)	Limited to six journeys by road and one air ambulance journey per person per annum. (This does not include repatriation)
Additional accommodation: Reasonable accommodation costs incurred while you wait for hospital treatment, convalescence after hospital treatment or wait for medical teat results	$250 per day to a maximum of $5,000	Reasonable costs to a maximum period of 14 days.	Reasonable costs to a maximum period of 14 days.
MEDICARE ELIGIBILITY COMPLIANCE
Continuity of private health fiund membership for the duration of the overseas assignment	Yes	Yes	Yes
Security of Lifetime Health cover (LHC) rating for the duration of the overseas assignment.	No	Yes	Yes
Guaranteed re-entry into the Australian health system on temporary or permanent return without waiting times or penalties	Yes Only with ahm	Yes All health funds	Yes All health funds
Medicare Levy Surcharge (MLS) exempt	No	Yes	Yes

Australian Expatriate Health Insurance

Health Plan Comparison