Benefit from over 65 years of experience in travel and health insurance for business and leisure travel. Whatever you're up to - we've got you covered.
From basic inpatient coverage to full-service insurance
Individual, family and group insurance
Short- and long-term plans available
Our insurance plans made for you
Health insurance for people living abroad and travel insurance for those, who can't stay longer.
Choose between different insurance levels to find your 'perfect fit'. All our plans our customisable to your needs.
Major Medical
Covers mainly inpatient treatment and emergencies
Health plan
Basic cover that does it all: Broad benefit Inpatient only plan with annual coverage up to US$ 1,000,000
Learnmore
Standard
A more flexible base plan,
you can add extras
Health plan
The best of both worlds: Great coverage at affordable rates – all the basics and much more.
Learnmore
Premier
Major coverage at affordable premiums
Health plan
Value combined with the best benefits: Private Room & Board in all ASEAN countries
Learnmore
Comprehensive
Fully insured while you
live abroad
Health plan
Our “fully loaded” plan spares no detail for the most comprehensive coverage out there
Comprehensive
Learnmore
Annual Travel Plan
Full year plan for infinite trips up to 90 days
Travel insurance
Travel made easy for frequent flyers: Automatically activated travel insurance for up to 90 days.
Learnmore
BonVoyage
Flexible travel plans for both, length &benefits
Travel insurance
Feeling Adventurous? We’ll cover your adventure for up to 6 months and activities like trekking, scuba diving, and rafting, at no extra cost. Includes winter sports too.
Learnmore
For business
Industry specific solutions or for group trips
For business
Do you have something special in mind? At Pacific Cross you’re free to do you. Our team will customise any product according to your needs.
Learnmore
Major Medical
Covers mainly inpatient treatment and emergencies
Health plan
Basic cover that does it all: Broad benefit Inpatient only plan with annual coverage up to US$ 1,000,000
Learnmore
Standard
A more flexible base plan,
you can add extras
Health plan
The best of both worlds: Great coverage at affordable rates – all the basics and much more.
Learnmore
Premier
Major coverage at affordable premiums
Health plan
Value combined with the best benefits: Private Room & Board in all ASEAN countries
Learnmore
Comprehensive
Fully insured while you
live abroad
Health plan
Our “fully loaded” plan spares no detail for the most comprehensive coverage out there
Learnmore
Annual Travel Plan
Full year plan for infinite trips up to 90 days
Travel insurance
Travel made easy for frequent flyers: Automatically activated travel insurance for up to 90 days.
Learnmore
BonVoyage
Flexible travel plans for both, length &benefits
Travel insurance
Feeling Adventurous? We’ll cover your adventure for up to 6 months and activities like trekking, scuba diving, and rafting, at no extra cost. Includes winter sports too.
Learnmore
For business
Industry specific solutions or for group trips
For business
Do you have something special in mind? At Pacific Cross you’re free to do you. Our team will customise any product according to your needs.
Learnmore
Why chose Pacific Cross?
Enjoy peace of mind due to flexibie and comprehensive insurance.
Choice is a power
You have full choice between basic and full cover - switch easily between plans.
Modular insurance
Start with basic insurance and add features later e.g. in our Standard health and Bon voyage plans.
We're Award Winning
We've won Bronze for Excellence in Covid 19 Response as well as many other awards.
Health & travel plans
Health insurance plans for people living abroad and
travel plans for visits up to 90/180 days
New:14 day test period for all plans. You only keep what you are satisfied with!
New:14 day test period for all plans. You only keep what you are satisfied with!
Compare our plans and find yours
Major Medical
from
US$
1,092.00
91
/year
/month
Major coverage at affordable premiums
Standard
from
US$
2,823.00
235
/year
/month
Major coverage at affordable premiums
Premier
from
US$
1,974.00
164
/year
/month
Major coverage at affordable premiums
Comprehensive
from
US$
4,726.00
396
/year
/month
Major coverage at affordable premiums
Inpatient Benefits
Maximum Limit Per Policy Year
US$30,000 (Option for US$50,000)
US$1,000,000 to US$2,000,000
US$100,000 to US$500,000
US$2,000,000 (upgradable to US$3,000,000)
Room & Board
Semi-Private up to US$350 per day (Option for US$1,000 per day)
100% (Intensive Care Unit, Coronary Care Unit, Operating Room)
100% (Intensive Care Unit, Coronary Care Unit, Operating Room)
100%
Parent Accommodation
100%
ICU, CCU, Operating Room
35% of eligible Suregeon's fee
100%
100%
100%
Surgeon's fee
Up to specified limits
100%
100%
100% (Includes pre-surgical assessment and normal post-surgical care)
Anaesthetist's Fee
100%
100%
100%
100%
Emergency Benefits
Miscellaneous Inpatient Charges
Organ Transplant
Covered (up to specified limits)
Covered (up to specified limits)
HIV/AIDS Coverage
Lifetime limit
Lifetime limit after 5 years continuous coverage
Hospital Cash Benefit
US$100 per night
US$100 per night
US$100 per night
US$150 per night
Home Nursing
US$150 per night for up to 45 days
Rehabilitation
Covered for up to 45 days
Oncology
Covered up to specified limits
Covered up to US$5,000 for oral medications
Hospice Care
Lifetime limit
Outpatient Benefits
Psychiatric and Mental Disorders
Lifetime limit
US$100,000 per year with lifetime limit
Follow-up Cares
New Born Child Coverage
Emergency Room Treatment
Covered for accidental damage to teeth
US$6,250 (Standard)
US$6,250 (Standard)
Covered for accidental damage to teeth
Emergency Local Ambulance Service
Emergency Assistance Services
Dental Benefit
80% reimbursem*nt
80% reimbursem*nt
80% reimbursem*nt
Vision Benefit
80% reimbursem*nt for eye examinations and prescription lenses annually for each Insured Person
Personal Accident Benefit
Covers loss of life, loss of one or both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by an accident
Covers loss of life, loss of one or both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by an accident
Travel Benefit
Covered
Covered
Annual Plan
from
US$
205
17
/year
/month
Bon Voyage C
from
US$
444,00
37
/year
/month
Bon Voyage B
from
US$
612,00
51
/year
/month
Bon Voyage A
from
US$
900,00
75
/year
/month
General coverage
Personal Accident
up to $250,000
$35,000
$65,000
$100,000
Medical Expense
up to $100,000
$50,000
$75,000
$100,000
Follow-up Care
$6,500
$6,500
$6,500
$6,500
Emergency Evacuation
Repatriation
Hospital Expenses Guarantee
Sports accidents
Additional Costs of Travel & Accommodation
up to $5,000
$2,000
$3,500
$5,000
Family member visit
up to $5,000
$2,000
$3,500
$5,000
Referral Services
Hospital Cash Allowance
up to $1,000
$500
$750
$1,000
Baggage and personal effects (Laptop)
up to $2,000 ($1,000)
$500 ($500)
$800 ($500)
$1,500 ($500)
Baggage Delay
up to $250
$65
$125
$250
Loss of Travel Document
up to $2,000
$1,000
$1,500
$2,000
Personal Money
up to $500
$130
$260
$400
Travel &Other
Travel Delay
up to $800
$300
$500
$800
Curtailment of Trip & Cancellation Charges
up to $6,500
$6,500
$4,500
$3,500
Personal Liability
up to $100,000
$35,000
$65,000
$100,000
Rental Car Protection Benefit (optional, Deductible: US$500)
$10,000
$25,000
$25,000
$25,000
Additional Personal Accident Benefit
Age Limit
6 weeks to 80 years
6 weeks to 85 years
6 weeks to 85 years
6 weeks to 85 years
Maximum Period of Insurance
90 days per trip
Up to 180 days
Up to 180 days
Up to 180 days
Main Exclusions
Suicide, self-inflicted injury, etc
Suicide, self-inflicted injury, etc
Suicide, self-inflicted injury, etc
Suicide, self-inflicted injury, etc
Premium ( Individual Coverage)
Varies
$19 - $56 (depending on coverage)
$19 - $56 (depending on coverage)
$19 - $56 (depending on coverage)
Premium ( Family Coverage)
Varies
$38 - $150 (depending on coverage)
$38 - $150 (depending on coverage)
$38 - $150 (depending on coverage)
Whatever you're up to: We've got you covered.
Start your 14-day trial!
Ten questions, ten answers
Here are the 10 questions you might ask yourself before buying your next insurance.
We have gathered the answers in the most simple way possible.
What travel destinations do the insurance plans generally cover?
Our Treatment Area Limits are identified in each plan. Our comprehensive plans offer global coverage.
How long is insurance coverage?
Our health plans over annual coverage and our travel plan coverage duration is flexible and up to 180 days
(How) Can I extend my insurance coverage?
In order to extend insurance, contact us or your insurance broker
Who is covered by my insurance?
You can choose to cover your whole family and your belongings
Does my insurance cover vaccination and/or medicines?
Our premier health plans offer full or partial coverage of vaccinations and medicines.
How are accidents & hospital treatments covered?
Our health and travel plans offer a full suite of benefits, including emergency and inpatient benefits. Please contact us for more information or see all our plan brochures here.
Am I being taken home after an accident?
Many of our health plans offer this benefit. Please contact us here for more information.
How are sport related accidents covered?
Your sports related accidents, whether above or below water are fully covered in our Bon Voyage Plans and coverage is included in our health plans. Read more here.
Does Pacific Cross pre-pay my hospital bills or guarantee for me?
Yes. Depending on the plan you choose, Pacific Cross will pre-pay all your hospital bills for you.
I have crossed a border and (accidentally) went outside my destination country. What now?
Please contact us here for further assistance
Just enjoy
peace of mind.
