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Safety Wing Remote HealthIMG Insurance
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StandardPremiumHeadstartStandard
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OVERALL AGGREGATE MAXIMUM SUM INSURED PER PERIOD OF INSURANCE PER INSURED PERSON
Schedule of Cover and Excesses
$2,625,000
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Deductible$250$0$180$180
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A In-Patient & Day-Patient Treatment
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1Hospital Accommodation & TheatreFull CoverFull CoverFull CoverFull Cover
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2Accidents, Emergencies, Intensive Care inc. Surgical Care, Second Surgical Opinion, Anaesthetics, Medical Practitioner charges for Surgery, Treatment, Services and Supplies routinely provided
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3Surgeons, Consultants, Anaesthetists, Nurses and Ancillary Charges
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4Medical Practitioners
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5Prescribed Drugs, Dressings and Durable Medical Equipment
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6Reconstructive Surgery-following an accident or following surgery for an eligible condition
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7Diagnostic Tests and Procedures, X-rays, Pathology, & MRI/CT Scans
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8Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy
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9Physiotherapy
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10Parental Hospital Accommodation
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11Post Hospitalisation Treatment
ƒReceived within 90 days of being discharged from hospital		No CoverNo Cover
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12Hospital Cash Benefit$125/night 30 nights$125/night 30 nights $175/night 60 nights $350/night 60 nights
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13Organ Transplant
(major covered organs)		$150,000 Lifetime Limit$150,000 Lifetime LimitNo Cover$175,000 Lifetime Limit
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14Prosthetic DevicesNo CoverNo CoverNo CoverFull Cover
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15Psychiatric TreatmentNo CoverNo CoverFull Cover, to a maximum of 30 days after 12 months of policyFull Cover, to a maximum of 30 days after 12 months of policy
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StandardPremiumHeadstartStandard
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B Out-Patient Treatment and Wellness Benefits
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1Family Doctor, Treatment & ReferralsUp to $1,000. 10% co-pay.Up to $1,000. 10% co-pay.No CoverUp to $8,750
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2Specialists and Consultants
(fees for consultations)
*Coverage is NOT dependent upon admission		Up to $700 per condition prior to admission*, then up to $1,750 following out-patient surgery or in-patient/ day-patient treatment
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3X-rays, Pathology, Diagnostic Tests and Procedures
*Coverage is NOT dependent upon admission		Up to $350 per condition prior to admission* and following out-patient surgery or in-patient/ day-patient treatment
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4Prescribed Drugs, Medicines, Dressings and Durable Medical EquipmentNo Cover
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5Out-Patient SurgeryUp to $500,000Up to $500,000Full CoverFull Cover
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6MRI and CT ScansUp to $5,000Up to $5,000
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7Cancer Tests, Drugs, Treatment and ConsultantsFull CoverFull Cover
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8Physiotherapy, Homeopathic and Osteopathic TherapyMaximum 10 visits. Up to $60 per visit - part of the $1,000 limit.Maximum 10 visits. Up to $60 per visit - part of the $1,000 limit.No CoverMaximum 15 visits- part of the $8,750 limit
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9Complementary Medical Treatment:
Acupuncture, Aroma Therapy, Chiropractic Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese Medicine when referred by a Doctor, General Medical Practitioner (GP)		Maximum 10 visits. Up to $30 per visit - part of the $1,000 limit.Maximum 10 visits. Up to $30 per visit - part of the $1,000 limit.Up to $875
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10AIDS/HIV TreatmentHIV cover after 24 months of policyHIV cover after 24 months of policyUp to $15,000, with a Lifetime Limit of $50,000
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11Hormone Replacement Therapy-Early OnsetNo CoverNo CoverFull Cover
18 Month Lifetime Limit
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12Home Nursing Care
Primary care services of a registered nurse in the Insured Person’s home immediately after, or instead of, In-Patient/Day-Patient Treatment		No CoverNo CoverUp to $132/visit to a maximum of 15 visitsUp to $132/visit to a maximum of 45 visits
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13RehabilitationFull Cover up to 90 daysFull Cover up to 90 daysNo CoverFull Cover Up to 90 Days
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14Extended Care FacilityNo CoverNo CoverFull Cover Up to 6 Months
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15Hospice Care
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16Adult Wellness and Health Check:
Medical check-up including, cervical smear, mammogram, cancer screening, cardiovascular examinations, neurological examinations, vital sign tests (e.g. blood pressure, cholesterol checks) 		Up to $250 across routine health checks, screenings and vaccination (including travel vaccinations)Up to $700 after 12 months of policy
(Nil Excess)
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17Child Wellness and Health Check:
Hearing Test, Sight Test and Vaccinations/Inoculations		Up to $250 if covered as dependents
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18Psychiatric TreatmentNo coverUp to $4,375 after 12 months of policy
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StandardPremiumHeadstartStandard
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C Travel, Transportation and Out of Area Benefits
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1Emergency Local AmbulanceFull CoverFull CoverFull CoverFull Cover
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2Emergency Medical Evacuation and TransportationFull Cover
To nearest medical facility within Your Area of Cover		Full Cover
To nearest medical facility within Your Area of Cover		Full Cover
To nearest medical facility within Your Area of Cover		Full Cover To nearest medical facility, Home Country, or country of choice within Your Area of Cover
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3Accompanying Relative, Travel and AccommodationEconomy class airfare for a locally-accompanying person who has travelled as an escortEconomy class airfare for a locally-accompanying person who has travelled as an escortNo CoverFull Cover
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4Cremation/Burial or Repatriation of RemainsNo CoverNo CoverUp to $10,000Up to $15,000
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5Compassionate VisitNo CoverNo CoverNo CoverUp to $5,250 after 12 months of policy
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6USA Elective Treatment within Provider Network
Excludes non-emergency travel & accommodation
(Applicable to Insureds who have not selected Area 3 - Worldwide Cover)		30 days Out of area cover for non pre existing conditions or up to 6 months with full coverage with purchase of add-on30 days Out of area cover for non pre existing conditions or up to 6 months with full coverage with purchase of add-onUp to $875,000 with 20% Co-Insurance (Nil Excess)
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7Worldwide Accident and Emergency Out of Area Cover45 Days Maximum, up to $35,000
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EStandardPremiumHeadstartStandard
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D Dental Treatment
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1Emergency Dental Treatment
(In-Patient or Day-Patient)		No CoverCover up to $500,000 in the event an accident and claim within 10 days of accidentNo CoverFull Cover
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2Accidental Dental Damage caused to sound natural teeth lost or damaged in an accident. Out-patient Treatment/Dental Surgery must be received within 5 days from the date of the accident occurringUp to $438
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3Emergency Dental Treatment
(Out-Patient/Dental Surgery)
-For the immediate relief of severe pain, being treatment of an abscess, cracked or broken tooth rebuild or temporary filling within 24 hours from the onset of pain and no more than 5 days from the event		See Dental Coverage BelowSee Dental Coverage Below
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4Routine Dental Treatment (Out-Patient) for the restoration of natural teeth
a) examinations, check-up and x-rays
b) tooth cleaning and polishing
c) normal compound fillings, simple or non-surgical extractions
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5Major Restorative Dental Treatment
-Removal of impacted, buried or unerrupted teeth, removal of roots, removal of solid odontomes, apicetomy, new or repair of bridgework, new or repair of crowns (not precious metal), root canal treatment, new or repair of upper or lower dentures
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Dental Treatment
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StandardPremiumHeadstartStandard
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E Non-Medical Insured Covers and Benefits
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1Out of Country Legal ExpensesNo CoverNo CoverNo CoverUp to $8,750 ($438 Excess)
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2Security & Political Evacuation & RepatriationUp to $13,125 Lifetime Limit
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3Identity Theft Cover & AssistanceUp to $438
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4Out of Country Criminal Assault Benefit
ƒWhen admitted to hospital for 48 hours or more		 $875 per admitted night to a maximum of $4,375
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5Natural Disaster Evacuation & AccommodationUp to $263 per day for up to 5 days
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StandardPremiumHeadstartStandard
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F Other Services and Benefits
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124 Hour Emergency HelplineFull CoverFull CoverFull CoverFull Cover
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2USA Medical Concierge Service ƒFor eligible treatment in the USANo CoverNo Cover
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3Medical Information Service – Access to
board-certified physicians, licensed psychologists, and pharmacists to assist with any routine health related questions		Coming in 2021Coming in 2021No Cover
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Dental Treatment & Vision Care Benefits
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StandardPremiumHeadstartStandard
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Dental Care Benefits
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1Emergency Dental Due to AccidentNo CoverFull CoverNo CoverFull Cover
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2Emergency Dental Due to Sudden Unexpected Pain to Sound Natural TeethUp to $1,500Up to $100
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3Non-Emergency Dental
Sections D4, D5 & D6 Combined:
i) Calendar Year Maximum Sum Insured
ii) Dental Annual Excess
iii) Maximum Annual Excesses
per Family per Calendar Year		Up to $500i) $750; ii) $50; iii) 2; after 6 months of policy cover
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4Class I Treatment*:
- Preventative & Diagnostic
- Emergency Palliative Treatment
- includes up to two dental check-ups per calendar year to include scraping, cleaning and polishing

* Refer To Rider Endorsement for full details		Up to $1,50090% Coverage,
Dental Annual Excess Waived; after 6 months of policy cover
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5Class II Treatment*:
- Radiographs & X-Rays
- Oral Surgery & Extractions
- Routine Compound Fillings, Restorations, Re-cementing crowns, inlays and bridg- es & Prosthetic Repairs
- Endodontics & Root Canals
- Periodontics & Gum Disease
- Minor Restorative Services

* Refer to Rider Endorsement for full details		Up to $1,50070% Coverage,
after Dental Annual Excess; after 6 months of policy cover
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6Class III Treatment*:
- Prosthodontic Services including:
appliances, bridges, full and partial dentures that replace missing natural teeth that were extracted while the person is covered with this Plan.
- Major Restorative Treatment including: Crowns, Jackets, gold-related services required when teeth cannot be restored using other filling material.

* Refer to Rider Endorsement for full details		No Cover50% Coverage,
after Dental Annual Excess; after 6 months of policy cover
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Vision Care Benefits
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7Vision Care
Not subject to Annual Excess or Co-Insurance. (Benefit payable per 24 months)		No CoverNo CoverNo CoverExams – up to $100 Materials – up to $150
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