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International Currents offers you excellent protection at an extraordinary value. It offers a multitude of comprehensive health benefits coupled with unique marine benefits bespoke to your profession.

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Maximum Lifetime Benefit

$2,500,000 AED £1,500,000 €2,000,000

Annual maximum plan benefit

$1,500,000 AED £1,000,000 €1,250,000
Accomodation
Accomodation
Semi-private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
100% (90% US/Canada)
Intensive care unit
Intensive care unit
100% (90% US/Canada)
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
100% (90% US/Canada)
Surgeons' and anaesthetists' fees
Surgeons' and anaesthetists' fees
100% (90% US/Canada)
Inpatient consultation by specialist
Inpatient consultation by specialist
100% (90% US/Canada)
Emergency room
Emergency room
100% (90% US/Canada)
Pathology, radiology, and diagnostic tests
Pathology, radiology, and diagnostic tests
100% (90% US/Canada)
MRI, CT and PET scans
MRI, CT and PET scans
100% (90% US/Canada)
Private duty nursing (Lifetime maximum)
Private duty nursing (Lifetime maximum)
$7,500 £5,000 €6,000
Skilled nursing facility (Lifetime maximum)
Skilled nursing facility (Lifetime maximum)
$7,500 £5,000 €6,000
Home health care (Lifetime maximum)
Home health care (Lifetime maximum)
$7,500 £5,000 €6,000
Hospice care services (Lifetime maximum)
Hospice care services (Lifetime maximum)
$10,000 £6,500 €8,000
Emergency dental treatment (as a result of accident)
Emergency dental treatment (as a result of accident)
100% (90% US/Canada)
Cancer treatment
Cancer treatment
100% (90% US/Canada)
Child accompaniment
If the Insured Person is a child under 16 who requires hospitalisation, we will pay for necessary overnight accommodation for one parent in the same hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary.
Child accompaniment
100%
MANAGED TRANSPLANT PROGRAMME
Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. A 24-month waiting period applies for all transplants.
MANAGED TRANSPLANT PROGRAMME
Organ transplants maximum lifetime
Organ transplants maximum lifetime
$500,000 £300,000 €400,000
Tissue transplants (as part of the overall organ max.)
Tissue transplants (as part of the overall organ max.)
$250,000 £150,000 €200,000
In US (no deductible applies)
In US (no deductible applies)
90% Generic 80% Brand
Surgery as outpatient
Surgery as outpatient
100% (90% US/Canada)
Physician office visits and specialist fees
Physician office visits and specialist fees
90%
Diagnostic and therapeutic services (as outpatient, per visit)
Diagnostic and therapeutic services (as outpatient, per visit)
90%
Physical therapy (as outpatient, per visit)
Physical therapy (as outpatient, per visit)
$75 £50 €60 90%, policy year max 30 visits
Occupational therapy (as outpatient, per visit)
Occupational therapy (as outpatient, per visit)
$75 £50 €60 90%, policy year max 30 visits
Chiropractic services
Referral letter required from medical physician
Chiropractic services
$750 £500 €600 90%, policy year maximum for chiropractic services
Complementary medicine
Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy
Complementary medicine
N/A
PRESCRIPTION PROGRAMME
PRESCRIPTION PROGRAMME
In US (no deductible applies): 90% generic, 80% brand. All other countries (ded. applies): 90%
Pregnancy, normal delivery
Pregnancy, normal delivery
$2,000 £1,300 €1,500 - 90%
Complicated pregnancy and Cesarean section (non-elective)
Routine nursery, included under maternity benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge.
Complicated pregnancy and Cesarean section (non-elective)
$4,000 £2,600 €3,000 - 90%
Newborn cover
Included in newborn cover are premature births, congenital conditions and birth anomalies. Newborn cover is only available for a covered pregnancy. A 12-month waiting period applies for all maternity and newborn care benefits.
Newborn cover
$25,000 £15,000 €20,000
Adults - Per policy year
Adults - Per policy year
$500 £300 €400
Routine physical exams in connection with overall health and wellbeing
Routine physical exams in connection with overall health and wellbeing
90%
Pap smear
Pap smear
90%
Mammograms
Ages 35-39 one baseline exam Ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline Age 50 and over one exam annually Any age whenever prescribed by a physician
Mammograms
90%
Prostate cancer screening
One test per policy year for males age 50 or over
Prostate cancer screening
90%
Immunisations and vaccinations
Immunisations and vaccinations
90%
Children: Maximum per policy year - birth to age 12 months
Children: Maximum per policy year - birth to age 12 months
$300 £225 €275
Children: Maximum per policy year - 13 months and over
Children: Maximum per policy year - 13 months and over
$200 £125 €150
Children: Routine medical exams and immunisations and vaccinations
Children: Routine medical exams and immunisations and vaccinations
100%
Children: Child preventive care services
Children: Child preventive care services
100%
Children: Hearing tests
Six-month waiting period applies to all Wellness Benefits, but waits are waived for policies that are paid annually. Overall Wellness Benefit maximums apply to all routine and Wellness Benefits for adults and children.
Children: Hearing tests
100%
Maximum per 24 month period
Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. No deductible applies to Vision Care Benefits.
Maximum per 24 month period
$300 £225 €275
Medical evacuation and assistance
Medical evacuation and assistance
100%
24/7 Emergency medical assistance hotline
24/7 Emergency medical assistance hotline
YES
Repatriation of mortal remains
Repatriation of mortal remains
100%
Family emergency travel
Family emergency travel
N/A
Repatriation accompaniment
Repatriation accompaniment
$2,500 £1,500 €1,750 - 100%
Repatriation family accompaniment
Repatriation family accompaniment
N/A
SAND protection
Access to SAND protection provides you with international emergency response in situations such as political unrest and natural disasters, anywhere in the world. Specifically, the protection can help all our members by offering emergency services, including evacuations, contingency planning, remote medical abilities, crisis management and tracking services. Members can contact the service and receive advice and help from the 24/7 operations centre.
SAND protection
Access only
Rejoin vessel or return to country of residence due to medical treatment received onshore.
Rejoin vessel or return to country of residence due to medical treatment received onshore.
$1,500 £1,000 €1,250 100%
Long-term convalescence in home country. Repatriation and home country cover due to medical necessity
Long-term convalescence in home country. Repatriation and home country cover due to medical necessity
100%
Companion travel and accommodation expenses for one person to accompany you to hospital outside of home country for duration of five days or more.
One return trip, by first class rail or by economy/tourist class air travel. Overnight accommodation up to $100 each night up to a maximum of 15 nights.
Companion travel and accommodation expenses for one person to accompany you to hospital outside of home country for duration of five days or more.
$2,500 £1 €1 100%
Best possible outcome programme
A dedicated Diagnosis Verification and Treatment Planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist from a top rated U.S. hospital who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.
Best possible outcome programme
N/A
Advanced health screening programme
Advanced health screening programme
N/A
Ages 40-50 one high level physical examination every three years
Ages 40-50 one high level physical examination every three years
N/A
Ages 50+ one high level physical examination every 3 years
Ages 50+ one high level physical examination every 3 years
N/A
eHealth records account
eHealth records account
YES
Lifetime maximum for mental health benefits (inpatient and outpatient)
Lifetime maximum for mental health benefits (inpatient and outpatient)
$25,000 £15,000 €20,000
Policy year mental illness, maximum (out-of-hospital) 15 visits
Policy year mental illness, maximum (out-of-hospital) 15 visits
$2,500 £1,500 €2,000 per policy year
Lifetime mental illness, maximum per insured (in-hospital)
Lifetime mental illness, maximum per insured (in-hospital)
60 days
Lifetime maximum for mental health benefits (out-of-hospital)
Lifetime maximum for mental health benefits (out-of-hospital)
80 visits
Provides assistance with the following types of issues often faced by expatriates.
Operated by Morneau Shepell, provides assistance with the following types of issues often faced by expatriates: how to cope with isolation and loneliness, adapt across cultures, identify and cope with culture shock, address the personal impact of the relocation, strengthen relationships, improve communication, work towards life goals, deal with stress, anxiety and depression, address alcohol and drug misuse, resolve marital and relationship difficulties, find solutions for work-related issues, access crisis and trauma support while on assignment, discover ways to improve your nutrition in your new environment, focus on International with natural healing strategies.
Provides assistance with the following types of issues often faced by expatriates.
YES
Available as an optional benefit on all plans
Available as an optional benefit on all plans
N/A
Lifetime maximum
Lifetime maximum
$25,000 £15,000 €20,000 YES
Lifetime maximum
Lifetime maximum
$15,000 £10,000 €12,000 YES
Chronic conditions are treated like any other condition under the Policy
Chronic conditions are treated like any other condition under the Policy
YES
Lump sum in case of death (all causes)
Lump sum in case of death (all causes)
$5,000 £5,000 €5,000
Deductible options are:
Deductible options are:
$200 £125 €150
$500 £300 €400
$1,000 £650 €750
$5,000 £3,000 €4,000
YES
An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$1,000 £650 €750
YES
Functions just like the individual out of pocket except this is protection for the entire family. If the family out of pocket maximum is reached regardless of whether the individual out of pocket limit is reached the entire family under cover has their 90% benefits switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%. are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$3,000 £2,000 €2,250
Cover Region 1 – Worldwide including US and Canada and their territories.
Please note that Cover Region 1 is limited to 180 days in the US in any 12-month period.
Cover Region 1 – Worldwide including US and Canada and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our Preferred Provider Network. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
For Cover Region 2 – does not include any cover for US and Canada and their territories.
Individual deductible
Individual deductible
$50 £30 €40
CLASS I EXPENSES No deductible applies. Diagnostic – general preventive
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS I EXPENSES No deductible applies. Diagnostic – general preventive
100%
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
80%
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
Orthodontic and Class III services are available after three months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
50%
Policy year maximum (per insured person)
Policy year maximum (per insured person)
$1,500 £1,000 €1,200
Orthodontic lifetime maximum
Orthodontic lifetime maximum
$1,500 £1,000 €1,200
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
N.B. Benefits cannot exceed two times annual salary.
Loss of life
Loss of life
100%
Loss of sight of both eyes
Loss of sight of both eyes
100%
Loss of both hands or arms
Loss of both hands or arms
100%
Loss of both feet or both legs
Loss of both feet or both legs
100%
Loss of one arm and one leg
Loss of one arm and one leg
100%
Loss of sight of one eye
Loss of sight of one eye
50%
Loss of one foot or one leg
Loss of one foot or one leg
50%
Loss of one hand or arm
Loss of one hand or arm
50%