ACS Health In Asia
ACS is a specialist in expatriate health insurance with over 30 years of experience covering individuals living abroad. The ACS Health in Asia program is specifically designed for expatriates in Southeast Asia, offering comprehensive healthcare coverage with multiple tiers to meet different needs and budgets
Coverage Tiers & Benefits
Core Components
Maximum Annual Medical Coverage
| Plan | Bronze Basic* | Bronze | Gold |
|---|---|---|---|
| Annual Limit | $500,000 | $500,000 or $1,000,000 | $500,000 or $1,000,000 |
*Bronze Basic plan is only available for expatriates in Thailand and requires using a dedicated
hospital network.
Inpatient Coverage
| Benefit | Bronze Basic | Bronze | Silver | Gold |
|---|---|---|---|---|
| Medical & Surgical Hospitalization | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses |
| Intensive Care | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses |
| Organ Transplant | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses |
| Cancer Treatment | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses | 100% of actual expenses |
| Pre/Post Hospitalization Care | Up to 30 days before and 90 days after | Up to 30 days before and 90 days after | Up to 30 days before and 90 days after | Up to 30 days before and 90 days after |
| Private Room | Standard room | Standard room | Standard room | Standard room |
| Psychiatric Treatment | Covered | Covered | Covered | Covered |
| Home Nursing | Covered | Covered | Covered | Covered |
Emergency Room Coverage
All plans cover emergency hospitalization, including local ambulance transportation. For trips
outside your coverage zone (up to 7 weeks), emergency medical treatment is covered under all
plans.
Maternity Coverage
| Benefit | Bronze Basic | Bronze | Silver | Gold |
|---|---|---|---|---|
| Childbirth & Maternity | Not Covered | Not Covered | Not Covered | 100% up to $4,000 per year (10-month waiting period) |
Optional Components
| Benefit | Bronze Basic | Bronze | Silver | Gold |
|---|---|---|---|---|
| Outpatient Coverage | Not Covered | Not Covered | Covered (consultations, diagnostics, prescribed medication) | Covered (consultations, diagnostics, prescribed medication) |
| Emergency & Crisis Evacuations | Optional | Optional | Optional | Optional |
| Routine Physical Examinations | Not covered | Not covered | 1 check-up every 3 years | 1 check-up every 3 years |
| Telehealth Consultations | Unlimited | Unlimited | Unlimited | Unlimited |
| Preventive Screening | Not Covered | Not Covered | Part of outpatient coverage | Part of outpatient coverage |
| Telehealth Consultations | Not Mentioned | Not Mentioned | Not Mentioned | Not Mentioned |
| Extreme Sports | Uncovered | Uncovered | Uncovered | Uncovered |
| Dental Coverage | Not Covered | Not Covered | Not Covered | 90% of expenses, limited to $150 per tooth (max 4 teeth, 6-month waiting period) |
| Vision Coverage | Not Covered | Not covered | Not Covered | 90% up to $150 per year (6month waiting period) |
| Mental Support Coverage | Inpatient only | Inpatient only | Inpatient only (no outpatient) | Inpatient only (no outpatient) |
| Vaccinations | Not Covered | Not Covered | Mandatory vaccinations covered | Mandatory vaccinations covered |
Unique and Special Plan Features
24/7 Customer Service
The plan offers 24/7 assistance services for emergencies and repatriation needs.
Prepaid payment card provided by the insurer
This feature is not mentioned in the plan documentation.
Mobile App
No mobile app is mentioned in the provided materials.
Medical Case Management Service
ACS offers rapid and personalized claim management for each customer, with a dedicated claims department located in South East Asia.
Medical Case Management Service
ACS offers rapid and personalized claim management for each customer, with a dedicated claims department located in South East Asia.
Other unique features
The plan provides access to a wide healthcare provider network throughout South East Asia with cashless treatment options. Once accepted, ACS commits not to cancel your policy due to above-average medical expenses or raise premiums beyond the general annual increase. Claims can be refunded in more than 100 currencies, and scanned documents are accepted for claims processing.
Plan Rules
Minimum and Maximum Acceptance Age
The plan accepts applicants under age 60 at enrollment. Coverage continues until age 74 or for lifetime benefits, depending on the option selected.
Plan is for individuals who live away from their home country for how long
The plan is designed for expatriates living in Asia, but no specific minimum duration of expatriation is mentioned.
Geographic Zones of Coverage
Two coverage zones are available:
- Zone 1: Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Taiwan, Thailand,Vietnam, and for stays of less than 120 consecutive days in European Economic Area countries
- Zone 2: All countries in Zone 1 plus United Kingdom for stays of less than 120 consecutive days
Coverage in my home country
The plan does not explicitly mention coverage in your home country, focusing instead on the
Asian countries and temporary stays in EEA/UK.
Minimum duration of policy
The policy runs from enrollment to December 31 of the current calendar year, with automatic
renewal for 12-month periods.
Plan cancellation policy
You can terminate the policy by sending a registered letter to the insurer by October 31 for the following year. After the first year of subscription, you can terminate at any time with one month’s notice. A 14-day cooling-off period is available after initial signup.
Can they exclude my new health conditions at renewal time?
Once accepted, ACS commits not to cancel your policy due to above-average medical
expenses, suggesting that new health conditions will not be excluded at renewal.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-approval is required for hospitalization (notify 7 days in advance or within 48 hours for emergencies), rehabilitation following hospitalization, MRI/PET scans, physiotherapy beyond 10 sessions, various therapies (physical, chiropractic, osteopathy, homeopathy, acupuncture), prescribed medical prostheses, and maternity care. Failure to obtain pre-approval may result in reduced reimbursement (80% for hospitalization, 50% for other benefits).
Deductible and Cost-Share Options
Silver and Gold plans offer annual deductible options of $100, $500, or $1,000, or co-insurance
options of 10% or 20% (but not both). These options can reduce your premium by up to 15%.
Pros & Cons
Insurer Details
Plan Name: ACS Health in Asia
Who is the insurer? The benefits are covered by the ALLIANZ Group, specifically AWP Health &
Life S.A.
Insurer’s Country: France
Insurance Plan main website: https://www.acs-ami.com/
IMG
