A+ International

Click here for a quote request

A+ is a managing agent based in Hong Kong that uses:

  • AXA China Region Insurance Company Ltd as its underwriter for Group Business
  • AXA General Insurance Hong Kong Ltd as its underwriter for Individual Business
  • Medical Administrators International (MAI) is an international health insurance claims administrator and subsidiary of Molitor Group, specialized in health care benefits including international healthcare benefits for expatriates.

A+ sees synergy in its relationship with AXA, as it believes they share the same corporate values regarding doing the right thing by the customer. In particular A+ is very pround of its effecient claim handling ability, which it says are "second to none".

A+ markets two plans, both of which are able to be used by individuals/families and as well company groups in Hong Kong

Worldwide Plan Available to: Hong Kong nationals and Expatriates
SE Asia Plan Available to: Expatriates in Laos, Cambodia, Vietnam, Indonesia, Malaysia, Philippines.

See the Product section for more detail.

Covid 19 Update

All existing members are covered for the medical condition caused by coronavirus so long as it is not pre-existing.

For new applications, it will not be covered if you have symptoms prior to starting the policy.

For the evacuation part, it is not covered since the epidemics fall under the policy exclusion.

NOTE: If there are travel restrictions and you travel, despite the warning, any consequences resulting from voluntarily endangering yourself will be seen as an intentional act will not be covered.

Health Insurance Plans

When subscribing to an A+ health plan, we offer you much more than just medical insurance. All our plans include Worldwide, Reliable and Flexible cover.

  • Starting from $127 per person/month (when paid annually)
  • For globally-minded high-net worth individuals and families who want the best possible care and coverage.
  • Available in most countries and a great option for people who want a premium plan for them and their loved ones. This plan is particularly suited to people living in Hong Kong, Singapore and Europe.

Free Choice of Cover

Choose to receive care anywhere in the world or reduce your premium by limiting your coverage area.

Free Choice of Doctors

Get treated by the best doctors.

Emergency Evacuation

If the emergency treatment you need isn’t available locally we’ll organise your evacuation to the best and closest medical facility.

Freedom to Move

You can take your cover with you, wherever you go. Even if you change country of residence, your plan will stay intact.

Free medical advice

Subscribe to have a free access to a fast and easy personalised medical advice from real doctors. Available via messaging app and 24/7.

Worldwide Plans Documents:

Download all as zip

  • Starting from $100 per person/month (when paid annually)
  • Exclusively for people living in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam.
  • A fantastic option for all resident in the region who want a high-level plan at an affordable price.

Free Choice of Cover

Choose to receive care anywhere in the world or reduce your premium by limiting your coverage area.

Free Choice of Doctors

Get treated by the best doctors.

Emergency Evacuation

If the emergency treatment you need isn’t available locally we’ll organise your evacuation to the best and closest medical facility.

Freedom to Move

You can take your cover with you, wherever you go. Even if you change country of residence, your plan will stay intact.

Free medical advice

Subscribe to have a free access to a fast and easy personalised medical advice from real doctors. Available via messaging app and 24/7.

Southeast Asia Plans Documents:

Download all as zip

product3 details

product4 details

product5 details

product6 details

  • Starting from $28 per person/month (when paid annually)
  • For all young individuals and families who want to be covered for the essentials benefits at the best price.
  • Available in most countries.

Free Choice of Cover

Choose to receive care anywhere in the world or reduce your premium by limiting your coverage area.

Free Choice of Doctors

Get treated by the best doctors.

Emergency Evacuation

If the emergency treatment you need isn’t available locally we’ll organise your evacuation to the best and closest medical facility.

Freedom to Move

You can take your cover with you, wherever you go. Even if you change country of residence, your plan will stay intact.

Free medical advice

Subscribe to have a free access to a fast and easy personalised medical advice from real doctors. Available via messaging app and 24/7.

Easy Care+ Plans Documents:

Download all as zip

For Claim administration, A+ has delegated claim handling authority and responsibility for managing both inpatient and

outpatient claims to a company based in France called "Medical Administrators International" (MAI).

Claims are normally reimbursed within 5 working days, at a maximum of 15 days. You may check the claim process and reimburse- ment record on your personalised ‘My A+ Page’.

NOTE: All claims over US$675 must be posted to MAI.. Claims for less than this amount can be processed on the A+ Website.

A+ offers customers a choice of two means of being assessed or underwritten:

  1. Underwritten enrolment: The medical questionnaire included in the application form must be completed fully and accurately, failing to do so may invalidate the policy.
  2. Moratorium enrolment: After two years continuous membership, any pre-existing medical conditions (and related conditions) will become eligible for benefit, subject to the terms and conditions of the Insured’s plan, provided the Insured has not during that period:

a) consulted any Medical Practitioner or Specialist for Treatment or advice (including check-ups) or

b) experienced further symptoms or

c) taken medication or been advised to follow special Treatment (including drugs, medicine, special diets, injections, etc.)

Examples of Pre-existing Conditions that will never be covered include:

  • diabetes,
  • hypertension (raised blood pressure),
  • hyperlipidemia (raised cholesterol level),
  • ischemic heart disease,
  • cancer, thyroid disease, and auto-immune disorders.

If you have suffered from any of these conditions, or any other condition for which it is generally accepted medical advice that it be monitored in any way, then the condition - and any related conditions - will never be covered.

Examples of related conditions are:

  • raised cholesterol levels
  • heart disease and
  • stroke.

If you have suffered from high cholesterol before the date of entry to the plan you will never be covered for cardiac problems of strokes.

Our strong advice for A+ applicants or applicants for any other plans that provide the Moratorium option, is to be underwritten instead.

A+ vs the market

Features Market norms A+ International Healthcare
Renewability Not guaranteed Guaranteed
Chronic conditions Limited cover Covered
Traditional Chinese Medicine Limited or not covered Covered
Congenital conditions Limited or excluded Covered
Complication of pregnancy Waiting period No waiting period
Claims reporting Max 180 days Up to 2 years
Age limit for group enrolment Lmit 64 years No entry or renewal age limit
AIDS / HIV Limited cover Covered

Comparison of Worldwide plan options

About Us
Our Services
Our Staff
Terms & Conditions
US Website

Get a Quote

Types of Insurance

Insurers

Group Insurance

Comparisons

Contact Us
Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

A Message From our CEO

Address:
Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong