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Expatriate Medical Insurance, Comprehensive Medical Coverage Global Expatriate Healthcare
EMERGENCY NUMBER : +66 (0) 2 619 1115
For 24/7 hour Emergency Medical Assistance;
Pre-authorisation and making a Claim

Benefits Explained

Providing Health Insurance Services Around The World

GEH Plan

Comprehensive Medical Cover

What is Covered?

GEH Vital Care

Vital Inpatient Cover

What is Covered?


Detailed below is an explanation of the benefits of the GEH Plan and GEH Vital Care together with the optional extensions available to the GEH Plan. Summary information of the two plans can be found in our Table of Benefits

INCLUDED IN BOTH THE GEH PLAN & GEH VITAL CARE


Local Ambulance Service
Costs covering the Insured Person's transport to the nearest suitable hospital by the most appropriate means available, comprising road / off-road ambulance, train, helicopter or fixed-wing aircraft, with a medical escort if our Medical Advisor considers necessary.

Hospitalisation Benefits
Costs covering the Insured Person's inpatient or day-care admission to the hospital and for the following Medical Expenses and services when recommended and / or approved by Our Medical Advisor (the hospital):
  • Accommodation
  • Hospital medical facilities
  • Prescribed Medical Treatment including
    • Surgeon's and Anaesthetists' charges
    • Physician's charges
    • Consultations
    • Diagnostic procedures (including CT, MRI and PET scans)
    • Surgical appliances
    • Physiotherapy
    • Prescription drugs

  • Intensive care unit accommodation
  • If the insured person is a child aged under 16 then overnight accommodation for one parent
  • Day-care surgery
  • Emergency Dental Treatment as a result of an accident
  • Chinese Traditional Medicine, including herbal Treatments, acupuncture, and bone setting.
  • Post Operative Care for 3 months following discharge
Emergency Medical Transfer
If in Our Medical Advisor's opinion the insured person requires Emergency Medical Transfer or evacuation then we will reimburse:
  • All necessary costs for the insured person's medical transportation to the nearest suitable and appropriate hospital, which may be in a country outside the Geographical Area should circumstances dictate.
  • All necessary costs for the insured person's medical transportation to the nearest hospital which is more suitably equipped or more suitably specialised to treat the insured's condition.
  • The most appropriate means of transport available locally will be used.
  • Should our Medical Advisor consider it necessary; we will arrange and pay for a medical escort to accompany the insured person.

Elective Medical Transfer
Should it be necessary for the insured person to undergo a scheduled major intervention, we will arrange and pay for their transfer, by regular scheduled or charter airline, with medical escort if necessary, to their elected country. As shown in the Membership Certificate, as soon as their medical condition permits.

INCLUDED IN THE GEH PLAN ONLY


Emergency Outpatient Treatment
Reimbursement up to the Policy Limit for Emergency Outpatient Treatment necessary as a result of an accidental injury or sudden acute Illness, received in a casualty/emergency room within 48 hours of the accident or onset of the Illness.

Emergency Dental Treatment Reimbursement up to the Policy Limits for Outpatient Emergency Dental Treatment necessary as a result of an extra-oral impact and received within 48 hours from the date and time of the accident for the immediate relief of pain the insured person suffers as the direct result of an accident occurring during the period of insurance.

Routine Management of Chronic Conditions Subject to Policy cover limitations we will reimburse you for ongoing treatment of a chronic condition to cover the medication of ongoing or subsequent chronic episodes. A chronic condition is defined as an illness or injury which has one or more of the following characteristics:
  • Has no known recognised cure
  • Continues indefinitely
  • Recurs or is likely to recur
  • Is permanent
  • Requires palliative treatment
  • Requires long-term monitoring, consultations, check-ups, examinations or tests.
  • Requires rehabilitation or special training to cope with it.

Maternity Care and Childbirth
We will reimburse up to the Policy Limits for maternity care when the insured person's expected delivery date is at least 12 months after the initial date of entry to this Policy. We will pay up to the Policy Limits in total for each pregnancy (as agreed by our Medical Advisor as being usual reasonable and customary), for the following:
  • Pre-natal examinations by a physician;
  • All costs of normal childbirth.
  • Post-natal examinations by a physician.
  • Home Delivery up to USD1,500.
Complications in Childbirth
Any complications associated with childbirth are covered under the general Hospitalization Benefits.

Care of Un-accompanied Children
  • Return travel costs for a relative or friend to look after left unaccompanied following admission of the insured into hospital.
  • Costs of returning the insured's children home, should the insured be incapacitated away from home with his/her children.
  • Costs of an adult to accompany the children home, either a relative, friend if available or a suitable escort.

Visit of Relative or Friend
  • The costs for a relative or friend to accompany the insured during an Emergency Medical Transfer or evacuation when the insured person is hospitalized more than 400 km (250 miles) from their nearest place of residence:
  • The costs of one return trip for a relative or friend to visit the insured whilst hospitalised including up to 10 nights' accommodation.

Repatriation of Remains Reimbursement for the costs of repatriation (by air) of the insured's mortal remains. Repatriation is from the country where death occurs to the place of the funeral in the Home Country or in the Country of Residence. Or, alternatively, the costs of local cremation or burial

Out of Area Emergency Treatment
  • For customers electing to take out cover for Area 1, their policy excludes treatment in USA, Canada and Caribbean.
  • GEH Plan for Area 1 provides emergency (only) cover to USA, Canada and Caribbean for a period of up to 45 days per year.

Travel Assistance Services
The insured person may contact Medilink Thailand on +66 (0) 2 619 1115 to obtain the following travel information and services before starting or during his journey:
  • 24 hour Assistance Call Centre
  • Pre Travel Medical Advice
  • Hotel reservation and guarantee
  • Limousine & Taxi reservation and guarantee
  • Air Ticket reservation and guarantee
  • Visa & Embassies Information
  • Cash Advance
  • Lost Passport Assistance
  • Legal Assistance
  • Lost Baggage Retrieval

OPTIONAL EXTENSIONS - APPLICABLE TO GEH PLAN ONLY


Outpatient Care Option
For full coverage details and specific limits please refer to the Policy Document and Table of Benefits, terms and conditions apply. Click here to go to The Policy Table of Benefits

Doctors Fees and Prescribed Drugs
Costs pre-approved by the insurer and up to the Policy Limits for outpatient services, including
  • Physicians fees, and prescription drugs.
  • Laboratory and X-Ray fees, medical scanning, imagery services, and physiotherapy.

Complementary Medicine
Cover includes:
  • Chiropractic, osteopaths, and homeopaths.
  • Chinese traditional medicine, including herbal treatments, acupuncture, and bone setting.

Hire of Equipment
Costs for the purchase or hire of crutches, walkers, wheelchairs and basic orthopaedic prostheses and equipment

Routine Health Check
Costs covering a health check once every 3 years

Optical Care
Costs up to the Policy Limits for
  • One annual vision test in each Period of Insurance.
  • Glasses or contact lenses prescribed by an ophthalmologist.

Dental Care Option
For full coverage details and specific limits please refer to the policy document and table of Benefits, terms and conditions apply. Click here to go to The Policy Table of Benefits

The costs of the following treatments are covered, up to the Policy Limits and subject to any Coinsurance and/or waiting periods:
  • Dental Treatment
  • Dental Surgery
  • Dental Prosthesis

Personal Accident Option
  • Depending on your occupation the personal accident extension will provide you up to USD250,000.00 worth of additional cover should you be involved in an accident.
  • We will need to know your place of residence and occupation for this extension.
  • Cover includes death, loss of limbs, speech, hearing or sight resulting from an accident.
  • Click here to view this option in more detail.
  • Personal accident premiums are payable on an annual basis only.

Travel Insurance Option
  • Up to USD2,000 for cancellation or curtailment.
  • Up to USD1,500 for loss of baggage.
  • Allowances for itinerary delays.
  • Cover for loss of money and passports.
  • Winter Sports extension.
  • Travel Insurance premiums are payable on an annual basis only.

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