Pacific Cross Insurance

The Company was established in June, 1990 and is incorporated in Samoa. It is part of regional group of specialist insurance businesses which has been operating in Asia for 40 years. Many of those companies are well recognized in their respective countries, such as Blue Cross Insurance, Inc. in the Philippines.

As the years have passed, the Company has expanded to offer worldwide coverage for Medical Insurance, Life Insurance, Dental Insurance, Personal Accident Insurance, Travel Insurance and to offer various tailor-made coverages for medical and accident insurance.

Historically the Pacific Cross individual and groiup medical insurance products were rerated at renewal, based on claim experience.. Not only were they rerated, but the company also had the right to alter the terms of the policies on a case by case basis. In the face of mounting competion from insurers that rated on a 'community' basis, Pacific Cross now offers this option.

Key Features

  • Free Choice of doctors and hospitals.
  • Guaranteed renewability regardless of age, medical condition or location.
  • Flexible geographic cover.
  • Free coverage for recreational sports.
  • Direct payment to hospitals and 24-hour Worldwide Emergancy Assistance.
  • Consideration of declared pre-existing conditions.
  • 14-day Free Look Period. You may return your policy within fourteen days after receipt for a full refund of the premiums paid.

Key Features

  • Free Choice of doctors and hospitals.
  • Guaranteed renewability regardless of age, medical condition or location.
  • Flexible geographic cover.
  • Free coverage for recreational sports.
  • Direct payment to hospitals and 24-hour Worldwide Emergancy Assistance.
  • Consideration of declared pre-existing conditions.
  • 14-day Free Look Period. You may return your policy within fourteen days after receipt for a full refund of the premiums paid.

Key Features

  • Whenever you travel abroad, coverage begins automatically,
  • No deductible for all bene ts (except Optional Rental Car Protection).
  • Provides cover for winter sports, trekking, scuba diving, rafting, bungy-jumping and various aquatic sports without additional premium.
  • Baggage & Personal Effects cover extends to laptop computers.
  • Additional Personal Accident bene t for choosing up to a maximum of US$500,000.

Age Limit

A minimum age of 6 weeks to a maximum age of 75 years and children under 7 must be accompanied by an adult who is also insured under the same policy.

ASEAN International Plan is designed for expatriates living in the ASEAN region who require an affordable health insurance solution.

Ideal for both new and long term expats the plan is designed to be flexible and provide cover in your preferred health care provider country while living, working or retiring in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand.

Key Features

  • Free Choice of doctors and hospitals
  • Guaranteed renewability regardless of age, medical condition or location
  • Flexible geographic cover
  • Free coverage for recreational sports
  • Direct payment to hospitals and 24 hour Worldwide Emergency Assistance
  • Consideration of pre-existing conditions
  • 14-day Free Look Period. You may return your policy within fourteen days after receipt for full refund of the premiums paid

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