This article lists what SafetyWing Remote Health covers on the Essential, Standard and Premium plans, and the main things it does not cover. It applies to Community Plan 5.0, for the plan year from 1 October 2026. All limits are in US dollars (USD), per covered person, per plan year, unless the table says something different.
Note: A limit is the most SafetyWing pays for a benefit. Limits are not prices, and you do not pay them.
How to read the SafetyWing benefit tables
Find your plan below. Your plan depends on where you live: Essential in Vietnam, Malaysia, Thailand, India and the Philippines, and Standard or Premium in Australia, New Zealand and Singapore. Your SafetyWing dashboard shows your plan.
"Full cost (UCR)" means SafetyWing pays the usual, customary and reasonable cost for that treatment in the area, up to your plan's overall maximum. It does not always mean the whole bill. The Essential, Standard and Premium plans have no deductible and no co-insurance.
Some benefits need pre-approval before treatment, such as hospital stays, surgery, home nursing and medical equipment. Read SafetyWing Remote Health: Getting Pre-Approval and Direct Billing.
SafetyWing Essential plan benefits
The SafetyWing Essential plan pays up to these limits, per covered person, per plan year:
Essential benefit | Essential limit (USD) |
Overall maximum | USD 500,000 |
Hospital stay in a standard private room, and intensive care | Full cost (UCR) |
Surgery (inpatient, day patient or outpatient) | Full cost (UCR) |
Cancer tests and treatment (inpatient or outpatient) | Full cost (UCR) |
Renal failure and dialysis (inpatient or outpatient) | Full cost (UCR) |
Organ and tissue transplant | Up to USD 100,000 |
Emergency ground ambulance | Full cost (UCR) |
Evacuation and repatriation | Up to USD 50,000 |
All outpatient care combined, such as doctor and specialist visits, medicines, tests, physical therapy and emergency room care (if you are not admitted) | Up to USD 2,500 |
Outpatient mental health visits | Up to 10 visits, within the outpatient limit |
Complementary therapies, such as massage, chiropractic and acupuncture | Up to USD 15 per visit, up to 10 visits, within the outpatient limit |
Inpatient psychiatric care | Full cost (UCR), up to 30 days |
Health checks and vaccines (not COVID-19 vaccines) | Up to USD 250 |
Pregnancy and childbirth, after a 10-month waiting period | Up to USD 1,500 per pregnancy |
Complications of pregnancy and childbirth, after a 10-month waiting period | Up to USD 50,000 (lifetime limit) |
Congenital disorders | Up to USD 10,000 |
HIV and AIDS treatment | Up to USD 10,000 |
Rehabilitation after a covered hospital stay | Up to USD 2,000, up to 30 days per condition |
Nurse care at home | Full cost (UCR), up to 30 days |
Medical equipment, such as a wheelchair or crutches | Up to USD 1,500 per condition, within 6 months |
External prosthesis | Up to USD 1,000 |
Palliative care | Up to USD 25,000 |
Hospital cash, when you get free treatment as an inpatient | USD 150 per night, up to 30 nights |
Emergency dental treatment as an inpatient, after a covered accident | Full cost (UCR) |
Routine dental care, glasses and contact lenses | Not covered |
Accident or emergency on a planned trip of up to 30 days to a high cost country, such as Australia, Singapore, Japan or the United States | Injuries: full cost (UCR). Illnesses: up to USD 50,000. Outpatient: up to USD 500 |
SafetyWing Standard plan benefits
The SafetyWing Standard plan pays up to these limits, per covered person, per plan year:
Standard benefit | Standard limit (USD) |
Overall maximum | USD 1,500,000 |
Hospital stay in a standard private room, and intensive care | Full cost (UCR) |
Surgery as an inpatient | Full cost (UCR) |
Day patient or outpatient surgery | Up to USD 500,000 |
Cancer tests and treatment (inpatient or outpatient) | Full cost (UCR) |
Renal failure and dialysis (inpatient or outpatient) | Full cost (UCR) |
Organ and tissue transplant | Full cost (UCR) |
Emergency ground ambulance | Full cost (UCR) |
Evacuation and repatriation | Up to USD 100,000 |
All outpatient care combined, such as doctor and specialist visits, medicines, tests, physical therapy and emergency room care (if you are not admitted) | Up to USD 5,000 |
Outpatient mental health visits | Up to 10 visits, within the outpatient limit |
Complementary therapies, such as massage, chiropractic and acupuncture | Up to USD 60 per visit, up to 15 visits, within the outpatient limit |
Inpatient psychiatric care | Full cost (UCR), up to 30 days |
Health checks and vaccines (not COVID-19 vaccines) | Up to USD 350 |
Pregnancy and childbirth, after a 10-month waiting period | Up to USD 2,500 per pregnancy |
Complications of pregnancy and childbirth, after a 10-month waiting period | Up to USD 50,000 (lifetime limit) |
Congenital disorders | Up to USD 25,000 |
HIV and AIDS treatment | Up to USD 50,000 |
Rehabilitation after a covered hospital stay | Up to USD 500,000, up to 30 days per condition |
Nurse care at home | Full cost (UCR), up to 60 days |
Medical equipment, such as a wheelchair or crutches | Up to USD 1,500 per condition, within 6 months |
External prosthesis | Up to USD 1,000 |
Palliative care | Up to USD 50,000 |
Hospital cash, when you get free treatment as an inpatient | USD 150 per night, up to 30 nights |
Routine dental care, glasses and contact lenses | Not covered |
Accident or emergency on a planned trip of up to 30 days to the United States, Hong Kong or Singapore, if your cover does not include them | Injuries: full cost (UCR). Illnesses: up to USD 50,000. Outpatient: up to USD 500 |
SafetyWing Premium plan benefits
The SafetyWing Premium plan pays up to these limits, per covered person, per plan year:
Premium benefit | Premium limit (USD) |
Overall maximum | USD 1,500,000 |
Hospital stay in a standard private room, and intensive care | Full cost (UCR) |
Surgery as an inpatient | Full cost (UCR) |
Day patient or outpatient surgery | Up to USD 500,000 |
Cancer tests and treatment (inpatient or outpatient) | Full cost (UCR) |
Renal failure and dialysis (inpatient or outpatient) | Full cost (UCR) |
Organ and tissue transplant | Full cost (UCR) |
Emergency ground ambulance | Full cost (UCR) |
Evacuation and repatriation | Up to USD 100,000 |
All outpatient care combined, such as doctor and specialist visits, medicines, tests, physical therapy and emergency room care (if you are not admitted) | Up to USD 5,000 |
Outpatient mental health visits | Up to 15 visits, within the outpatient limit |
Complementary therapies, such as massage, chiropractic and acupuncture | Up to USD 60 per visit, up to 20 visits, within the outpatient limit |
Inpatient psychiatric care | Full cost (UCR), up to 30 days |
Health checks and vaccines (not COVID-19 vaccines) | Up to USD 500 |
Pregnancy and childbirth, after a 10-month waiting period | Up to USD 4,500 per pregnancy |
Complications of pregnancy and childbirth, after a 10-month waiting period | Up to USD 50,000 (lifetime limit) |
Congenital disorders | Up to USD 25,000 |
HIV and AIDS treatment | Up to USD 50,000 |
Rehabilitation after a covered hospital stay | Up to USD 500,000, up to 30 days per condition |
Nurse care at home | Full cost (UCR), up to 60 days |
Medical equipment, such as a wheelchair or crutches | Up to USD 1,500 per condition, within 6 months |
External prosthesis | Up to USD 1,000 |
Palliative care | Up to USD 50,000 |
Hospital cash, when you get free treatment as an inpatient | USD 150 per night, up to 30 nights |
Emergency dental treatment as an inpatient, after a covered accident | Full cost (UCR), within 180 days of the accident |
Dental care, such as check-ups, fillings, crowns and dentures (not orthodontics) | Up to USD 1,500 |
Vision: an eye exam and lenses or contact lenses every 12 months, and frames every 24 months (not laser eye surgery) | Up to USD 500 |
Accident or emergency on a planned trip of up to 30 days to the United States, Hong Kong or Singapore, if your cover does not include them | Injuries: full cost (UCR). Illnesses: up to USD 50,000. Outpatient: up to USD 500 |
SafetyWing waiting periods
Pregnancy and childbirth: on the Essential, Standard and Premium plans, a 10-month waiting period applies. It is waived only for a miscarriage that needs immediate surgery.
Complications of pregnancy and childbirth: a 10-month waiting period applies on the Essential, Standard and Premium plans.
Congenital disorders: not covered if they were diagnosed before your cover started.
Pre-existing conditions on SafetyWing
SafetyWing covers pre-existing conditions for members of a group plan like yours, unless the policy specifically excludes them. A pre-existing condition is a condition that was diagnosed, treated or showing signs before your cover started.
Some benefits have their own rules for conditions found before your cover started. Congenital disorders diagnosed before your cover started are not covered, and HIV and AIDS treatment has its own conditions in the policy.
What SafetyWing Remote Health does not cover
These are the main exclusions. They apply to the Essential, Standard and Premium plans, except where your plan's table above shows a benefit:
treatment that is not medically necessary, or not prescribed by a licensed doctor
experimental treatment, and medicines that are not approved for your condition
medicines you can buy without a prescription, vitamins and supplements
treatment after your cover ends, including any part of a prescription you use after that date
routine eye and hearing tests, glasses, contact lenses, hearing aids and laser eye surgery
medical certificates and fitness checks for work or travel
cosmetic treatment
mental health treatment beyond your plan's mental health benefits
pregnancy that the policy does not cover, and pregnancy benefits for dependent daughters
sterilisation and fertility treatment
weight-loss treatment
dental and orthodontic treatment
sleep disorders, Alzheimer's disease and autism
the part of any bill above the usual, customary and reasonable cost
treatment by a member of your immediate family
routine foot care
fees for claim forms, medical records or delivering medicines
injuries from reckless behaviour, fights, crimes, self-harm, or alcohol or drug misuse
injuries from encounters with wild animals
injuries covered by other insurance, such as motor vehicle insurance or workers' compensation
treatment for a disease declared an epidemic or public health emergency, as the policy defines it
injuries from professional sports
This list is a summary. The full list of exclusions is in section 7 of the policy document.
Where to read the full SafetyWing policy
This article is general information, not the full policy. The full terms for each plan are in the SafetyWing Remote Health policy documents: Essential, Standard and Premium. If this article and the policy are different, the policy applies.
Who to contact
Questions about what your plan covers: SafetyWing live chat, in your SafetyWing dashboard or app.
Questions about a claim: email [email protected] with your policy ID and claim ID.
Which plan you are on, or changes to your cover: contact your HR Manager.