MyHEALTH International health insurance at your doorstep Medical Expenses covered from the 1st dollar spent Download our Easy Claim mobile app for quicker claims reimbursement! april-international.com Please print only if necessary HEALTH INSURANCE MADE EASIER MyHEALTH is designed for global citizens seeking long term health coverage at home and abroad. This policy provides comprehensive and fully flexible cover for medical expenses plus assistance for you and your family. 2020 Global Banking and Finance Awards Best Individual Health Insurance Company Asia Pacific 2020 Best Health Insurance Product Asia Pacific 2020 Service Initiative of the Year 2020 APRIL International is part of the APRIL group which was founded in France more than 30 years ago. The APRIL group has grown steadily to the point where we now look after close to 6 million policyholders worldwide who, at the last count, represent some 86 different nationalities and are located in more than 120 countries around the globe. MyHEALTH is underwritten by the Post & Telecommunication Joint Stock Insurance Corporation (PTI), a Vietnam-based company active in the non-life insurance industry. The Company offers over 100 non-life and health insurance products to individuals and corporate clients. These products are categorized into four segments: property and engineering insurance, motor vehicle insurance, marine insurance and health and accident insurance. The strong partnership of APRIL International and PTI ensures that you receive the benefits of our combined international and regional experience; and financial strength. Together we place trust at the centre of our relationships and rely on three core principles 1 2 3 TRANSPARENCY RELIABILITY SUSTAINABILITY Easy to understand Always there when Getting the best & straightforward you need us deal for you 02 PLAN STRUCTURE My HEALTH is extremely flexible, allowing you to mix and match modules to design your ideal health insurance plan. CORE OPTIONAL TO PLAN MIX & MATCH YOUR + = PLAN HOSPITAL & MATERNITY SURGERY OUTPATIENT DENTAL OPTICAL $5,000 outpatient limit $500,000 or $250 Medical Checkup and Vaccination $5,000 Minor Dental ESSENTIAL $100,000 $500 Complementary Medicine Save money by No Outpatient cap taking an annual Minor & $1 Million $750 Medical Checkup and Vaccination $8,000 deductibles on EXTENSIVE Major Dental $1,000 Complementary Medicine your Inpatient module No Outpatient cap Minor & ELITE $2 Million $1,150 Medical Checkup and Vaccination $15,000 Major Dental $2,000 Complementary Medicine and Optical Area of cover Worldwide / Worldwide Excluding USA / Europe and ASEAN Excluding Singapore Worldwide Assistance included in all plans WE OFFER 3 LEVELS OF MODULAR COVER, WHICH YOU CAN MIX AND MATCH TO SUIT YOUR NEEDS Best ESSENTIAL Seller EXTENSIVE ELITE Basic and affordable Ideal protection for families Comprehensive plan Ideal for someone who wants Offers stronger coverage to Designed to bring you top end general protection for accidents & manage chronic conditions coverage without being excessive serious medical conditions 03 TRANSPARENCY SUMMARY OF KEY BENEFITS ESSENTIAL EXTENSIVE ELITE ALL MONETARY SUMS ARE IN USD $500,000 or Annual Limit per person $1 million $2 million $100,000 Hospitalisation (inpatient and day patient costs) ● ● ● Room and board Standard Private Room $500 $1,000 ● Pre-hospitalisation benefits 30 days 60 days 60 days $500 $1,000 ● Post-hospitalisation benefits 30 days 60 days 90 days Parental accommodation ● ● ● HOSPITAL & Outpatient surgery ● ● ● SURGERY Cancer Treatment ● ● ● Kidney Dialysis $5,000 $50,000 ● Organ Transplant $50,000 $150,000 $250,000 Congenital and Hereditary Conditions ● $50,000 $100,000 Neonatal Disabilities $50,000 $150,000 $200,000 Complications of Pregnancy ● ● ● HIV/AIDs $10,000 $10,000 $10,000 Emergency medical evacuation and repatriation Up to $1,000,000 Repatriation of remains $30,000 ASSISTANCE Return of minor children One economy class return airfare Annual Limit for Outpatient Benefits $5,000 ● ● Outpatient Co-insurance NIL or 20% Doctors and Specialists ● ● ● Medicines, scans and tests ● ● ● Physiotherapy with referral ● ● ● OPTIONAL Outpatient Mental and Nervous Conditions ● $3,500 $5,000 OUTPATIENT Complementary Medicine and $500 $1,000 $2,000 Traditional Chinese Medicine Medical appliances & mobility aids $500 $2,000 $3,500 Medical checkup and vaccinations $250 $750 $1,150 $5,000 $8,000 $15,000 Pre- and post-natal care, delivery and newborn care OPTIONAL per pregnancy per pregnancy per pregnancy MATERNITY Minor dental treatment $700 (e.g. checkups, cleaning, simple extractions) Major dental treatment ● $1,500 OPTIONAL (e.g. implants, root canal) DENTAL & OPTICAL Eye exams, prescription contact lenses and lenses ● ● $500 Lifetime Limit Pre-authorisation Required Waiting Period Applies ● Full Cover ● No Cover 04 PLAN STRUCTURE Plan design suggestions YOU WANT WE RECOMMEND › Protection for accidents, hospitalisations HOSPITAL & SURGERY PLAN: and serious medical conditions ESSENTIAL › Medical evacuation and repatriation benefits when travelling OPTIONAL MODULES: › Affordable premiums UP TO YOU › Top up cover to your local plan (take a deductible) HIGHLIGHTS OF THIS COMBINATION › Full coverage for hospitalisations, accidents and outpatient surgery › Full coverage for cancer › Emergency medical evacuation and repatriation › 24/7 assistance by APRIL YOU WANT WE RECOMMEND › Protection for accidents, hospitalisations HOSPITAL & SURGERY PLAN: and serious medical conditions ESSENTIAL › Protection for managing chronic conditions on an outpatient basis OPTIONAL MODULES: › Comprehensive cover for medical checkup and vaccination EXTENSIVE You can select a different plan within the same policy. HIGHLIGHTS OF THIS COMBINATION › Full coverage for hospitalisations, accidents and outpatient surgery › Full coverage for cancer › Full coverage for doctors, specialists, medicines and drugs, scans and tests on an outpatient basis › Medical checkup and vaccination up to $750 › Emergency medical evacuation and repatriation › 24/7 assistance by APRIL 05 PLAN STRUCTURE Design the plan that works for you YOU WANT WE RECOMMEND › Protection for the unknown for your HOSPITAL AND newborn infant and growing family SURGERY PLAN: › Protection for accidents, hospitalisations EXTENSIVE and serious medical conditions › Protection for managing chronic OUTPATIENT: conditions on an outpatient basis EXTENSIVE HIGHLIGHTS OF THIS COMBINATION › Full coverage for hospitalisations, accidents, and outpatient surgery › Full coverage for cancer › Full coverage for doctors, specialists, medicines and drugs, scans and tests to manage your chronic conditions › Medical checkup and vaccination up to $750 › Full coverage for complications of pregnancy from the first day of cover › Neonatal Disabilities cover $150,000 lifetime benefit (1 year waiting period applies) › Congenital cover $50,000 lifetime benefit › Emergency medical evacuation and repatriation › 24/7 assistance by APRIL These are only examples among the You can reach us at: 50+ COMBINATIONS you can create Tel: (+84) 28 7307 7984 We would be more than happy to work with you on building the right plan for you. @ Email: [email protected] 06 PLAN STRUCTURE Now it is your turn to create your plan in 3 easy steps ESSENTIAL EXTENSIVE ELITE STEP □ $100,000 MUST 01 $500,000 □ □ CHOOSE HOSPITAL & □ ONE START SURGERY WITH YOUR CORE COVER ANNUAL Nil $500 $1,000 $2,500 $5,000 $10,000 DEDUCTIBLE □ □ □ □ □ □ STEP 02 □ Nil □ 20% co-insurance OUTPATIENT BENEFITS ADD ANY OR ALL OF THE FOLLOWING OPTIONAL BENEFITS TO YOUR CORE COVER □ □ □ MATERNITY You can select BENEFITS* a different range from your hospital & surgery plan DENTAL □ □ □ AND/OR OPTIONAL OPTICAL TO MIX & MATCH □ Worldwide STEP CHOOSE Worldwide Excluding USA AREA OF COVER □ 03 □ Europe and ASEAN Excluding Singapore Now that you have created your plan, let's look at your premium options. AREA OF COVER Worldwide: You are covered anywhere in the world. Worldwide excluding USA: You are covered everywhere except the USA. Services rendered in the USA are covered up to $100,000 per period of insurance only if they are directly caused by sudden illness or injury occurring during the first 30 travel days of any trip in the USA. Europe and ASEAN excluding Singapore: You are covered in Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxemburg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City, Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam. Services rendered outside of the area of cover are covered up to $100,000 per period of insurance only if they are directly caused by sudden illness or injury occurring during the first 30 travel days of any trip outside the area of cover. * Available to women between 19-45 years of age who have selected an Extensive or Elite Hospital and Surgery on a nil deductible basis, plus an optional outpatient module. 07 SUSTAINABILITY Making Insurance affordable for you FAMILY DISCOUNTS Whether you are a couple, a family with kids or an extended family, you can benefit from our discounts starting with two insured persons. Family is defined as policyholder's spouse, partner, parent, brother, sister, child