International health insurance

PROTECT health coverage : the plan in detail

• 

  Inpatient treatment

  	Essential & Protect	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 & Protect	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 & Protect	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 & Protect	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 & Protect	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 & Protect	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