This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Optimum Global
This is Optimum Global's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Optimum Global — GEMS Plan table of benefits (USD), May 2026 — showing every published column.
From the insurer's published documents
| OPTIMUM GLOBAL GEMS | |||||
|---|---|---|---|---|---|
| All benefits shown are per insured person, per annum (unless specified otherwise). | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Annual Policy Maximum | $1,000,000 | $2,000,000 | $3,000,000 | $5,000,000 | $8,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full | In Full | In Full | In Full | In Full |
| Cancer treatment (in-patient & out-patient) | In Full | In Full | In Full | In Full | In Full |
| Kidney dialysis (in-patient & out-patient) | $50,000 | In Full | In Full | In Full | In Full |
| In-patient physiotherapy treatment | In Full | In Full | In Full | In Full | In Full |
| Day surgery | In Full | In Full | In Full | In Full | In Full |
| Psychiatric treatment (after 10 months coverage) | Maximum 100 days per lifetime membership | In Full | In Full | In Full | In Full |
| Hospital accommodation for accompanying parent of insured child | $160 per night up to $800 per year | In Full | In Full | In Full | In Full |
| Emergency local road ambulance services | In Full | In Full | In Full | In Full | In Full |
| Emergency treatment outside area of cover - not exceeding forty-five (45) days per trip | Not Covered | Up to $50,000 in USA & Canada (In Full for all other countries) | Up to $75,000 in USA & Canada (In Full for all other countries) | Up to $100,000 in USA & Canada (In Full for all other countries) | In Full |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) | $10,000 (up to 26 weeks max per policy year) | $10,000 (up to 26 weeks max per policy year) | $15,000 (up to 26 weeks max per policy year) | |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $150 | $150 | $200 | $300 | |
| Accidental dental treatment | $8,000 | In Full | In Full | In Full | In Full |
| Chronic medical conditions | In Full | In Full | In Full | In Full | In Full |
| Congenital conditions | Not Covered | $30,000 | $40,000 | $50,000 | $75,000 |
| 2. PRE & POST HOSPITALISATION | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Pre Hospitalisation medical expenses | In Full | In Full | In Full | In Full | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full | In Full | In Full | In Full | In Full |
| 3. ORGAN TRANSPLANT | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | $100,000 | In Full | In Full | In Full | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Medical evacuation and repatriation | In Full | In Full | In Full | In Full | In Full |
| Repatriation of mortal remains | In Full | In Full | In Full | In Full | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Family doctor consultations | $500 | Not Covered | $3,500 | $10,000 | In Full |
| Family doctor prescribed drugs & dressings | |||||
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |||||
| Specialist consultations | |||||
| External prostheses and appliances | |||||
| Chronic medical conditions | |||||
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $1,000 | $1,000 | $3,500 | $4,000 | In Full |
| Out-patient psychiatric treatment – after 10 months of coverage | Not Covered | Not Covered | $3,500 | $1,500 | $2,000 |
| Prescribed physiotherapy, speech & oculomotor therapy | $3,500 | $1,500 | $2,000 | ||
| Accidental dental treatment | Not Covered | $1,000 | $1,500 | ||
| Alternative medicine | $500 | $1,000 | $2,000 | ||
| Emergency room accident & emergency services | $1,000 | In Full | In Full | In Full | In Full |
| Vaccinations | Not Covered | Not Covered | Not Covered | $500 | $750 |
| Well being benefit – after 12 months coverage | |||||
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Complications of maternity | Not Covered | In Full | In Full | In Full | In Full |
| 7. LIFE & CRITICAL ILLNESS | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Life & Critical Illness (Please refer to Life & CIC policy wording for full list of covered illnesses) | $10,000 | $10,000 | $10,000 | $10,000 | $10,000 |
| OPTIONAL BENEFITS If selected as part of your plan and detailed on your membership certificate | |||||
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | Not Covered | Not Covered | $7,000 | $7,000 | $10,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $30,000 | $30,000 | $50,000 | ||
| 2. DENTAL | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Routine dental treatment | $800 (20% Co-pay) | $800 (20% Co-pay) | $800 (20% Co-pay) | $800 (20% Co-pay) | $1,000 (20% Co-pay) |
| Restorative dental treatment | $1,500 (20% Co-pay) | $1,500 (20% Co-pay) | $1,500 (20% Co-pay) | $1,500 (20% Co-pay) | $2,000 (20% Co-pay) |
| 3. OPTICAL | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Coverage for eye examination annually and cover for glasses applicable every 2 years | $200 (20% Co-pay) | $200 (20% Co-pay) | $200 (20% Co-pay) | $250 (20% Co-pay) | $300 (20% Co-pay) |
| 4. LIFE AND CRITICAL ILLNESS TOP UP OPTION | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Top-up option 1 | $50,000 Total Sum Assured | $50,000 Total Sum Assured | $50,000 Total Sum Assured | $50,000 Total Sum Assured | $50,000 Total Sum Assured |
| Top-up option 2 | $100,000 Total Sum Assured | $100,000 Total Sum Assured | $100,000 Total Sum Assured | $100,000 Total Sum Assured | $100,000 Total Sum Assured |
| OPTIONAL BENEFITS CONTINUED (SUBJECT TO ADDITIONAL PREMIUM PAYABLE) If selected as part of your plan and detailed on your membership certificate | |||||
| 5. TRAVEL (WORLDWIDE) | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| 1. Cancellation and Curtailment | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) |
| 2. Baggage and Personal Effects | $3,000 (Excess, per person $125) | $3,000 (Excess, per person $125) | $3,000 (Excess, per person $125) | $3,000 (Excess, per person $125) | $3,000 (Excess, per person $125) |
| Single item limit | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) |
| Money | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) |
| Cash (children under 18) | $250 (Excess, per person $125) | $250 (Excess, per person $125) | $250 (Excess, per person $125) | $250 (Excess, per person $125) | $250 (Excess, per person $125) |
| Cash (adult) | $1,200 (Excess, per person $125) | $1,200 (Excess, per person $125) | $1,200 (Excess, per person $125) | $1,200 (Excess, per person $125) | $1,200 (Excess, per person $125) |
| Loss of Passport | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) | $425 (Excess, per person $125) |
| Baggage Delay | $180 per 12 hours up to $360 | $180 per 12 hours up to $360 | $180 per 12 hours up to $360 | $180 per 12 hours up to $360 | $180 per 12 hours up to $360 |
| 5. TRAVEL (WORLDWIDE) | |||||
| 3. Outward Delay / Missed Departure or Connection / Abandonment | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Delayed Departure | $125 first 12 hours, then $90 for each subsequent 12 hours up to $300 | $125 first 12 hours, then $90 for each subsequent 12 hours up to $300 | $125 first 12 hours, then $90 for each subsequent 12 hours up to $300 | $125 first 12 hours, then $90 for each subsequent 12 hours up to $300 | $125 first 12 hours, then $90 for each subsequent 12 hours up to $300 |
| Abandonment | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) | $8,000 (Excess, per person $125) |
| Missed Departure or Connection | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) | $1,600 (Excess, per person $125) |
| 4. Personal Accident | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| Accidental Death | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 |
| Loss of one or more limbs | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 |
| Loss of one or more eyes | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 |
| Loss of thumb or big toe | $6,250 | $6,250 | $6,250 | $6,250 | $6,250 |
| Loss of one or more fingers or toes | $3,750 (Total) | $3,750 (Total) | $3,750 (Total) | $3,750 (Total) | $3,750 (Total) |
| Permanent Total Disablement | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 |
| 5. TRAVEL (WORLDWIDE) | |||||
| Benefit | Emerald | Sapphire | Ruby | Jade | Diamond |
| 5. Public Liability | $3,000,000 (Excess, per person $125) | $3,000,000 (Excess, per person $125) | $3,000,000 (Excess, per person $125) | $3,000,000 (Excess, per person $125) | $3,000,000 (Excess, per person $125) |
| 6. Hijack | $80 per 24 hours up to $800 | $80 per 24 hours up to $800 | $80 per 24 hours up to $800 | $80 per 24 hours up to $800 | $80 per 24 hours up to $800 |
| 7. Catastrophe Cover | $1,600 | $1,600 | $1,600 | $1,600 | $1,600 |