Skip to main content

What Your SafetyWing Remote Health Plan Covers and Doesn't Cover

SafetyWing Remote Health Essential, Standard and Premium health insurance benefits, limits in US dollars, waiting periods and main exclusions.

S
Written by Stephanie Lahia

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.

Did this answer your question?