Outstaffer AI offers three SafetyWing Remote Health plans: Essential, Standard and Premium. The plan follows where your employee lives: Essential in Vietnam, Malaysia, Thailand, India and the Philippines, and Standard or Premium in Australia, New Zealand and Singapore. This comparison covers Community Plan 5.0, for the plan year from 1 October 2026.
Note: The US dollar (USD) amounts in this article are benefit limits, not prices. For prices, see the health insurance pricing article for your region.
Which SafetyWing plan applies in which country
Health insurance is an optional benefit you choose for each employee. The SafetyWing plan depends on the country where your employee lives:
Where your employee lives | SafetyWing plan |
Vietnam, Malaysia, Thailand or India | Essential |
The Philippines, if you choose SafetyWing instead of PhilCare | Essential |
Australia or New Zealand | Standard or Premium, as you choose |
Singapore | Standard or Premium, as you choose, with the worldwide cover option |
SafetyWing Premium Plus is not offered through Outstaffer AI.
For employees in the Philippines, you choose between PhilCare and SafetyWing Essential. See Philippines: Choosing PhilCare or SafetyWing Essential for an Employee.
What every SafetyWing plan includes
These features are the same on Essential, Standard and Premium:
Costs to the employee: no deductible and no co-insurance. Planned treatment expected to cost more than USD 500, and some other treatments, must be pre-approved by SafetyWing. Without pre-approval, the employee or dependent pays 30% of the covered cost on claims over USD 500.
Choice of provider: no network. Employees can use any licensed doctor, clinic or hospital.
Hospital care: a standard private room, intensive care, cancer treatment, and renal failure and dialysis, paid at the usual, customary and reasonable cost (UCR) for the area.
Pre-existing conditions: covered for group members, unless the policy specifically excludes them.
Limits for each person: each covered person, including each dependent, has their own limits.
Dependents: a spouse or domestic partner and children can join on the same plan. Children are covered until the day before they turn 19, or 24 if they are single full-time students. Parents cannot join.
Maternity: a 10-month waiting period, and up to USD 50,000 (lifetime limit) for complications of pregnancy and childbirth.
Other shared limits: emergency ground ambulance at full UCR; medical equipment up to USD 1,500 per condition, within 6 months of the condition; an external prosthesis up to USD 1,000; and hospital cash of USD 150 per night, up to 30 nights.
Age to join: employees must be under 74.
Overall and outpatient limits by plan
The overall maximum and the limit for all outpatient care combined differ by SafetyWing plan:
SafetyWing plan | Overall maximum per person, per plan year (USD) | All outpatient care combined, per plan year (USD) |
Essential | USD 500,000 | USD 2,500 |
Standard | USD 1,500,000 | USD 5,000 |
Premium | USD 1,500,000 | USD 5,000 |
Hospital and serious illness by plan
Surgery and transplant limits differ by SafetyWing plan:
SafetyWing plan | Day patient or outpatient surgery (USD) | Organ and tissue transplant (USD) |
Essential | Full cost (UCR) | Up to USD 100,000 |
Standard | Up to USD 500,000 | Full cost (UCR) |
Premium | Up to USD 500,000 | Full cost (UCR) |
Evacuation, repatriation and palliative care limits differ by SafetyWing plan:
SafetyWing plan | Evacuation and repatriation (USD) | Palliative care (USD) |
Essential | Up to USD 50,000 | Up to USD 25,000 |
Standard | Up to USD 100,000 | Up to USD 50,000 |
Premium | Up to USD 100,000 | Up to USD 50,000 |
Rehabilitation and nurse care limits differ by SafetyWing plan:
SafetyWing plan | Rehabilitation after a covered hospital stay (USD) | Nurse care at home |
Essential | Up to USD 2,000, up to 30 days per condition | Full cost (UCR), up to 30 days |
Standard | Up to USD 500,000, up to 30 days per condition | Full cost (UCR), up to 60 days |
Premium | Up to USD 500,000, up to 30 days per condition | Full cost (UCR), up to 60 days |
Everyday care by plan
SafetyWing mental health visits and complementary therapies count towards the outpatient limit:
SafetyWing plan | Mental health visits per plan year | Complementary therapies (USD) |
Essential | Up to 10 visits | Up to USD 15 per visit, up to 10 visits |
Standard | Up to 10 visits | Up to USD 60 per visit, up to 15 visits |
Premium | Up to 15 visits | Up to USD 60 per visit, up to 20 visits |
Health checks, maternity, dental and vision
SafetyWing health check and maternity limits differ by plan:
SafetyWing plan | Health checks and vaccines (USD) | Pregnancy and childbirth, per pregnancy (USD) |
Essential | Up to USD 250 | Up to USD 1,500 |
Standard | Up to USD 350 | Up to USD 2,500 |
Premium | Up to USD 500 | Up to USD 4,500 |
Only SafetyWing Premium covers routine dental care and vision:
SafetyWing plan | Routine dental care (USD) | Vision (USD) |
Essential | Not covered | Not covered |
Standard | Not covered | Not covered |
Premium | Up to USD 1,500 | Up to USD 500 |
Where SafetyWing cover applies
Outstaffer AI offers SafetyWing Essential only for employees in Vietnam, Malaysia, Thailand, India and the Philippines. Australia and Singapore are high cost countries, which Essential does not cover.
SafetyWing Essential does not cover treatment in high cost countries, such as Australia, Singapore, Japan and the United States, except accident and emergency treatment on planned trips of up to 30 days: injuries at full UCR, illnesses up to USD 50,000 and outpatient care up to USD 500.
SafetyWing Standard and Premium do not cover treatment in the United States, Hong Kong or Singapore unless the employee has the worldwide cover option, which employees in Singapore have. Without that option, accident and emergency treatment on planned trips of up to 30 days to those places is covered on the same terms: injuries at full UCR, illnesses up to USD 50,000 and outpatient care up to USD 500.
Adding employees and changing SafetyWing plans
New employees: add the employee within 30 days of their hire date. After that, SafetyWing needs proof of insurability and can apply a medical review or a waiting period.
Changing plans: mid-year plan changes are not allowed. You can change an employee's plan only at renewal on 1 October.
Waiting periods on a change: as a general rule, a change that improves benefits is subject to a waiting period. Benefits the previous plan did not have must complete their own waiting periods, and if the new plan includes maternity cover, a 10-month waiting period applies. SafetyWing can accept or decline the change.
SafetyWing prices
SafetyWing is priced by the age of each covered person. For prices, see Health Insurance Pricing (Australia and New Zealand) or Health Insurance Pricing (US Dollars).
Full SafetyWing policy terms
This article is general information, not the full policy. The full terms are in the SafetyWing Remote Health policy documents: Essential, Standard and Premium.
Who to contact
Choosing a plan, prices or invoices: contact your Customer Success Manager.
Enrolling an employee or changing their cover, such as adding a dependent: contact their HR Manager.