The medical plan provides coverage for inpatient and outpatient medical costs due to illness and injuries. Eligible benefits include doctor and hospital fees, surgery, ICU, emergency room, prescribed medication and supplies, local ambulance, accidental dental, lab tests, MRI, CAT, x-rays, etc. Wellness benefits, pre-existing conditions, and chiropractor visits can be found in the Enhanced Health Benefits section of the Plan.

The Medical Plan is underwritten by Legend Travelers LLC and comes bundled together with the Accidental Death & Disability Plan (AD & D) when the latter is also purchased as an option. Please note that the AD & D plan is not sold separately.

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In some countries,
"AD & D" stands for Accidental Death and Dismemberment. Here at HealthOne, we refer to it as Accidental Death and "Disability" because our coverage goes far and beyond the typical AD & D insurance. Our Accidental Death and Disability plan will indemnify you in the event of loss of life or disability due to an accident. By disability we refer to the permanent loss or function of a part of the body, such as: a finger, hand, arm, toe, foot, or leg. It also covers full or partial loss of sight, hearing, or speech, deformity of the spinal column, and disfigurement of outward appearance. We invite you to compare our AD & D plan with those of other insurers.

The AD & D plan is underwritten by NIA, a fully licensed insurer with more than 60 years of experience in Japan.

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