Discover our health policies specifically designed for expats: • International coverage • Premium health care • 24/7 multilingual support
Inpatient treatment
| Essential | Special | Exclusive | |
|---|---|---|---|
| Accommodation in a private or semi-private room |
|
|
|
| Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) |
|
|
|
| Hospital charges, including operating theatres, intensive care wards and laboratories |
|
|
|
| Surgery and anaesthetics |
|
|
|
| Outpatient surgery instead of inpatient treatment |
|
|
|
| Drugs and dressings |
|
|
|
| Physiotherapy, including massages |
|
|
|
| Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy |
|
|
|
| Therapeutic aids and appliances |
If needed as a lifesaving measure, Such as cardiac pacemakers
|
If needed as a lifesaving measure, Such as cardiac Pacemakers Up to €2,000 for therapeutic aids and appliances, such as artificial limbs and prostheses
|
|
| Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital |
|
Up to €5,000 Waiting period of 10 months
|
Up to €20,000 Waiting period of 10 months
|
| Complications of pregnancy and childbirth |
|
Waiting period of 10 months
|
Waiting period of 10 months
|
| Newborn care |
|
|
|
| Congenital conditions |
Up to a maximum of €100,000 per lifetime
|
Up to a maximum of €150,000 per lifetime
|
Up to a maximum of €200,000 per lifetime
|
| Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer |
|
|
|
| Bone marrow and organ transplants (costs for donor and receiver) |
Up to a maximum of €150,000 per lifetime
|
Up to a maximum of €200,000 per lifetime
|
|
| Psychiatric treatment |
after written pre-approval/waiting period of 10 months
|
after written pre-approval/waiting period of 10 months
|
after written pre-approval/waiting period of 10 months
|
| Inpatient psychotherapy |
|
after written pre-approval/waiting period of 10 months
|
after written pre-approval/waiting period of 10 months
|
| Parent accommodation during inpatient treatment of a minor child up to 18 years |
|
|
|
| Nursing care at home and domestic help, instead of a hospital stay |
Up to 30 days after written pre-approval
|
Up to 60 days after written pre-approval
|
Up to 90 days after written pre-approval
|
| Substitute hospital cash plan benefit, for treatments not claimed with us. |
€75 per day
|
€150 per day
|
€200 per day
|
| Inpatient follow-up rehabilitation |
Up to 21 days after written pre-approval
|
Up to 28 days after written pre-approval
|
Up to 35 days after written pre-approval
|
| Hospice |
up to 5 weeks
|
up to 7 weeks
|
up to 9 weeks
|
| Day care |
|
|
|
| Transport to the nearest suitable hospital for initial treatment following an accident or an emergency |
|
|
|
Outpatient treatment
| Essential | Special | Exclusive | |
|---|---|---|---|
| Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) |
|
|
|
| Chemotherapy, oncological drugs and treatment |
|
|
|
| Health Checks |
|
up to €250
|
up to €500
|
| Maternity care and childbirth, services of a midwife or obstetric nurse |
|
Up to €5,000 EUR Waiting period of 10 months
|
Up to €20,000 EUR Waiting period of 10 months
|
| Complications of pregnancy and childbirth |
|
Waiting period of 10 months
|
Waiting period of 10 months
|
| Congenital conditions |
Up to a maximum of €100,000 per lifetime
|
Up to a maximum of €150,000 per lifetime
|
Up to a maximum of €200,000 per lifetime
|
| Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings |
up to €1,000
|
up to €2,500
|
up to €5,000
|
| Speech therapy |
|
after written pre-approval
|
after written pre-approval
|
| Psychiatric treatment |
Up to €1,000 after written pre-approval Waiting period of 10 months
|
Up to €5,000 after written pre-approval/ Waiting period of 10 months
|
after written pre-approval/ Waiting period of 10 months
|
| Outpatient psychotherapy |
|
after written pre-approval
|
after written pre-approval
|
| Drugs and dressings |
|
|
|
| Over-the-counter drugs |
up to €50
|
up to €75
|
up to €100
|
| Physiotherapy, including massages |
Up to 15 sessions
|
Up to 20 sessions
|
|
| Therapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy |
|
Up to 10 sessions
|
|
| Therapeutic aids and appliances |
up to €750
|
up to €1,000
|
|
| Vaccinations and immunization |
|
up to €250
|
|
| Vision aids, including an eye test |
|
up to €150
|
up to €250
|
| Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency |
|
|
|
| Infertility treatment |
|
50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months
|
50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months
|
Basic dental services
| Essential | Special | Exclusive | |
|---|---|---|---|
| Two preventive check-ups per insurance year |
|
|
|
| X-rays |
|
|
|
| Scale-and-polish cleaning |
|
|
|
| Treating oral mucosa and gingiva |
Pain relief only
|
|
|
| Simple fillings |
Pain relief only
|
|
|
| Surgery, extractions, root-canal treatment |
Pain relief only
|
|
|
| Night guard |
|
|
|
| Accidental dental treatment |
|
|
|
Major dental services
| Essential | Special | Exclusive | |
|---|---|---|---|
| Major dental services |
|
Reimbursement for the following benefits up to €2,000 Waiting period of 10 months
|
Reimbursement for the following benefits up to €5,000 Waiting period of 10 months
|
| Dentures (for example, prostheses, bridges and crowns, inlays) |
|
|
|
| Implants |
|
Up to four implants per jaw and the dentures to be secured to these implants
|
Up to four implants per jaw and the dentures to be secured to these implants
|
| Orthodontic treatment |
|
|
|
| Dental laboratory work and materials |
|
|
|
| Treatment plan |
|
|
|
| Accidental dental treatment |
|
|
|
Medical Assistance
| Essential | Special | Exclusive | |
|---|---|---|---|
| 24-hour phone and email service with experienced counsellors, doctors and specialists |
|
|
|
| Evacuation and Repatriation |
|
|
|
| Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages) |
|
|
|
| Support and information (by our medical service, second opinion, monitoring the course of the illness) |
|
|
|
| Guarantee of payment (GOP) (preparing for a stay in hospital) |
|
|
|
| Advance payment |
|
|
|
| Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms |
|
|
|
| Support in organising a "doctor-to-doctor" discussion |
|
|
|
| Assistance in choosing the prescribed medication, comparable preparations and their side effects |
|
|
|
| Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit) |
|
|
|
Additional assistance (optional)
| Essential | Special | Exclusive | |
|---|---|---|---|
| Return travel to the country of residence |
In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
|
In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
|
In case a medically necessary evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to €3,000
|
| Compassionate family visit |
up to €3,000
|
up to €3,000
|
up to €3,000
|
| Delayed return trip |
up to €3,000
|
up to €3,000
|
up to €3,000
|
| Getting hold of and shipping vital medication |
|
|
|
| Return transport or care for children |
|
|
|
| Help with psychological problems possibly caused by the stay abroad |
Psychological and therapeutic help by phone Up to five calls
|
Psychological and therapeutic help by phone Up to five calls
|
Psychological and therapeutic help by phone Up to five calls
|
| Return of mortal remains |
up to €10,000
|
up to €10,000
|
up to €10,000
|
| Document storage (safe custody, help in getting replacements) |
up to €10,000
|
up to €10,000
|
up to €10,000
|
| Organizing help if you have legal difficulties |
|
|
|
| Arranging intercultural training (ex: information on local culture) |
|
|
|
| Arrangement of a relocation service |
|
|
|