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 Pacific Cross
This is Pacific Cross'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: Pacific Cross — PrimaryCare International Medical Plan Benefit Schedule, revised July 2026 — showing every published column.
From the insurer's published documents
| Plans | |||
|---|---|---|---|
| Benefit | Core | Pulse | Complete |
| Maximum Limit per Policy Year | $2,000,000 | $2,500,000 | $3,000,000 |
| Hospitalisation Benefits | |||
| Benefit | Core | Pulse | Complete |
| Room and Board | Up to Standard Private Room (Option for Semi-Private Room Accommodation in Hong Kong) | Up to Standard Private Room (Option for Semi-Private Room Accommodation in Hong Kong) | Up to Standard Private Room (Option for Semi-Private Room Accommodation in Hong Kong) |
| Parent AccommodationAn extra bed in the same room for a parent accompanying an insured child under 12 years old | 100% | 100% | 100% |
| Intensive Care Unit, Coronary Care Unit and Operating Room | 100% | 100% | 100% |
| Surgeon's FeeIncludes pre-surgical assessment and normal post-surgical care for each operation | 100% | 100% | 100% |
| Anaesthetist’s Fee | 100% | 100% | 100% |
| Miscellaneous Inpatient ChargesFor required diagnostic laboratory tests, diagnostic imaging, prescribed medicines; Professional Fees; blood and plasma; wheelchair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company); and any types of lenses (up to $800) following cataract surgery | 100% | 100% | 100% |
| Pre-hospitalisation TreatmentFor consultation, prescribed medicine, and medically necessary basic diagnostic tests by written referral from a Physician prior to a covered Hospitalisation for the same medical condition | 100%, up to within 30 days prior to an eligible surgical procedure | 100%, up to within 30 days prior to an eligible surgical procedure | 100%, up to within 30 days prior to an eligible surgical procedure |
| Post-hospitalisation TreatmentFor consultation, prescribed medicine, basic diagnostic tests, and physiotherapy ordered by written referral following a covered Hospitalisation for the same medical condition, rendered by the same Attending Physician or Surgeon | 100% up to 30 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case | 100% up to 60 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case | 100% up to 90 days following discharge from hospital or after Hospitalisation Treatment of non-Inpatient case |
| Prescribed Advanced Diagnostic ImagingMedically necessary magnetic resonance imaging (MRI), computerised tomography (CT), and positron emission tomography (PET) scans received in covered inpatient Hospital, day surgery, or outpatient by written referral of a Physician | 100% | 100% | 100% |
| Newborn Acute Condition CoverFor inpatient treatment only within 30 days from birth | N/A | Up to $100,000 lifetime limit | Up to $150,000 lifetime limit |
| Congenital and Hereditary Condition | N/A | Up to $100,000 lifetime limit | Up to $100,000 lifetime limit |
| Organ TransplantFees for kidney, heart, lung or liver transplants. This benefit is a lump sum maximum per organ and no other policy benefits such as expenses for regular medical care of consultation, diagnostic tests and long-term medication are payable in respect of Organ Transplant | $100,000 | $300,000 | 100% |
| Donor cost, covered at 50% up to the limits | Cover 50% up to $50,000 | Cover 50% up to $75,000 | Cover 50%, up to $100,000 |
| Kidney Dialysisi. Treatment for Kidney Dialysis on an inpatient basisii. Treatment for Kidney Dialysis on a day or outpatient basis | i. 100%ii. Up to $50,000 | i. 100%ii. Up to $100,000 | 100% |
| HIV/AIDSCoverage will apply when HIV and/or its related illnesses present for the first time after 5 years continuous coverage under the Policy and any renewal thereof, with lifetime limit of: | $25,000 | $100,000 | $150,000 |
| Hospital Cash BenefitFor inpatient treatment received without charge or received at a public hospital | $100 per night, up to 5 nights | $100 per night, up to 15 nights | $150 per night, up to 15 nights |
| Home NursingImmediately after a hospital confinement and certified to be medically necessary by the attending physician | 100% up to 20 days | 100% up to 20 days | 100% up to 30 days |
| RehabilitationWhen certified necessary by the attending physician for inpatient, day case or outpatient treatment starting within 14 days immediately after the hospitalisation | 100% up to 30 days | 100% up to 45 days | 100% up to 60 days |
| Oncology TreatmentNon-surgical treatment of Radiotherapy, Chemotherapy, targeted therapy, immunotherapy, hormonal therapy (by way of infusion, injections or oral medications) and fees for bone marrow transplant and peripheral stem cell transplants when treatment cancer with or without high dose chemotherapy received as inpatient, day case or outpatient treatments | 100% | 100% | 100% |
| Hospice CareFor Terminal Illness with lifetime limit of | $25,000 | $50,000 | $100,000 |
| Psychiatric and Mental DisordersHospital charges with lifetime limit of | $50,000 | $150,000 | $200,000 |
| Emergency Benefits | |||
| Benefit | Core | Pulse | Complete |
| Emergency Room Treatment | 100% | 100% | 100% |
| Walk-in Emergency Treatment | $250 | $300 | $500 |
| Accidental Damage of TeethEmergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth | 100% | 100% | 100% |
| Emergency Local Ambulance Service | 100% | 100% | 100% |
| Emergency Assistance Service | 100% | 100% | 100% |
| Repatriation of Mortal RemainsCovers costs for repatriation of mortal remains of the Insured Person to home country or Country of Residence | 100% | 100% | 100% |
| Outpatient Benefits | |||
| Benefit | Core | Pulse | Complete |
| Annual Maximum Limit | Nil ($3,000 option) | Up to $7,000 combined limit | 100% |
| General Practitioner and Specialist consultations | 100% | 100% | 100% |
| Prescribed Medicines and Drugs | 100% | 100% | 100% |
| Prescribed diagnostic laboratory tests, basic diagnostic tests | 100% | 100% | 100% |
| Physiotherapy Treatment | Up to 5 sessions per Policy Year | Up to 10 sessions per Policy Year | 100% A referral letter for every 8 sessions |
| Psychiatric and Mental Disorders | N/A | Up to $1,000 | Up to $2,500 |
| Alternative Medicines/TreatmentFees for visits to chiropractor, homeopath, osteopath, podiatrist, acupuncturist, bonesetter, herbalist and Chinese Medicine Practitioner, and prescribed herbs | N/A | Up to $2,000 combined limit | 100% |
| Of which Traditional Chinese Medicine Practitioner | N/A | Maximum 10 sessions per Policy Year | Maximum 20 sessions per Policy Year |
| Medical Check-up and VaccinationAnnual limit for routine medical check-ups and vaccinations | N/A | $250 | $350 |
| Optional Benefits | |||
| Benefit | Core | Pulse | Complete |
| Outpatient Cover | $3,000 | N/A | N/A |
| Dental Care Benefit - Routine DentalRoutine oral examination (Scaling, Polishing and prophylactic treatments), fillings, root canal treatment, extractions, treatment of dental abscesses, gum treatments, X-rays | N/A | $1,000 | $1,000 |
| Dental Care Benefit - Major DentalBridges, implants, orthodontic treatment and dental prostheses (dentures resulting from an accident to natural sound teeth only), crowns, inlays (orthodontic dental treatment paid up to 50%)(8 months waiting period applies) | N/A | $3,000 | $3,000 |
| Maternity BenefitMaximum limit per pregnancy including pre- and post-natal treatment after 12 months waiting period (90 days for miscarriage and therapeutic abortion) | N/A | $5,000 & $10,000 | $5,000 & $10,000 |
| Complications of pregnancy | N/A | 100%, up to the selected option limit | 100%, up to the selected option limit |
| Optical Care BenefitEye examination, prescription lenses, glasses & frame | N/A | $300 | $300 |