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Our plans and options

International Medical Insurance is your essential cover for inpatient, daypatient and accommodation costs, as well as cover for cancer, mental health care and much more.

We have made it easy to choose: Three levels of plans; Silver, Gold and Platinum with options as Outpatient, Health & Wellbeing, Vision & Dental and International Evacuation & Crisis Assistance Plus. 

Our most popular combination is Gold with Outpatient and Health & Wellbeing option.

Get a free quote on your chosen plan and options and talk to a one of our specialists. It is 100% free and non-binding.

Talk to a specialist

+45 31 63 83 03

Annual overall benefit maximum

Annual benefit limit per beneficiary

The annual benefit limit per beneficiary per period of cover. 

International Medical Insurance is your essential cover for inpatient, daypatient and accommodation costs, as well as cover for cancer, mental health care and much more.

Silver

€800,000

Gold

€1,600,000

Platinum

Paid in full

Your general health coverage

Hospital charges

Inpatient and daypatient treatment. Accommodation, emergency dental treatment, prescribed medicines and more. 

Silver

Paid in full 

Private room

Gold

Paid in full 

Private room

Platinum

Paid in full 

Private room

Accident and emergency room treatment

Covers necessary treatment from an emergency, accident, sudden illness and/or life-threatening situation. 

Silver

€370

Gold

€740

Platinum

€1,000

Inpatient cash benefits

Limit of 30 inpatient stays per period of cover. Amount is per day.

Silver

€75

Gold

€75

Platinum

€150

Transplant service

Covers treatment and medicine that are directly associated with organ transplants. Harvest of the organ or bone marrow, any necessary tissue test, the donor's hospital costs and any cost associated with complications within 30 days after the procedure

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Rehabilitation

Rehabilitation treatments including physiotherapy, occupational, cardiac, pulmonary, cognitive and speech therapies.

Silver

€3,700

Up to 30 days

Gold

€7,400

Up to 60 days

Platinum

Paid in full

Up to 30 days

Advanced Medical Imaging

MRI, CT and PET scans

Silver

€7,400

Gold

€12,000

Platinum

Paid in full

Accommodation for parent or guardian

Beneficiaries under the age of 18 can bring a parent or guardian if they have to stay at the hospital overnight.

Silver

€740

Gold

€740

Platinum

Paid in full

Home nursing

Provided in the beneficiary's home by a qualified and registered nurse. Includes medical care that would otherwise be provided by a hospital.

Silver

€1,850

Up to 30 days

Gold

€3,700

Up to 60 days

Platinum

Paid in full

Up to 120 days

Acupuncture and Chinese medicine

Practised by a qualified doctor, with the relevant license in the region where the treatment is received. 

Silver

€1,100

Gold

€1,850

Platinum

Paid in full

Palliative care

Includes home care, inpatient and daypatient hospital or hospice care and accommodation, prescribed medicines, and physical and psychological care.

Silver

€25,900

Gold

€44,400

Platinum

Paid in full

Prosthetic devices

Internal and external prosthetic devices, necessary to the beneficiary's treatment. 

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Local ambulance & air ambulance service

Transportation from the place of accident to a hospital, from a hospital to another hospital, or from a home to a hospital. 

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Treatment for Obesity

Available when the beneficiary has been covered for 24 consecutive months.

Silver

No coverage

Gold

70% refund up to:
€14,800

Platinum

80% refund up to:
€18,500

Congenital conditions

Treatment of congenital conditions, that have manifested before a 18th birthday.

Silver

€3,700

Gold

€14,800

Platinum

€30,500

Out of area emergency hospitalisation cover

Only applies for beneficiaries with Worldwide excluding USA coverage. Only inpatient and daypatient.

Silver

€75,000

Gold

€200,000

Platinum

Paid in full

Mental and behavioural care

Mental and behavioural health care

Covers inpatient, daypatient and outpatient treatment practised by a psychologist and/or psychiatrist. 

Covers medical cost, including doctor and pediatrician visits related to autism and ADHD on an outpatient basis only. 

Diagnostic testing and behavioural treatment.

Silver

€3,700

Up to 30 days

Gold

€7,400

Up to 60 days

Platinum

Paid in full

Cancer care

Cancer preventative surgery

Cover of preventative cancer surgery. 
The genetic test is covered under Gold and Platinum outpatient cover. 

Silver

70% covered up to €7,400

Gold

80% covered up to €13,300

Platinum

90% covered up to €13,300

Cancer care

After diagnosis, we will pay for active and evidence-based treatment.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Parent and baby care

Routine maternity care

Takes effect when the mother has been covered for 12 months or more.

We will pay for any fees to hospitals, obstetricians and midwives regarding routine births, and any post-natal care required.

Silver

No coverage

Gold

€5,500

Platinum

€11,000

Complications from maternity

Takes effect when the mother has been covered for 12 months. 

Inpatient or outpatient treatment relating to complications of regular childbirth. 

Does not include homebirths.

Silver

No coverage

Gold

€11,000

Platinum

€22,000

Homebirths

Takes effect when the mother has been covered for 12 months or more.

We pay for midwives' and specialist's fees relating to routine home births. 

Silver

No coverage

Gold

€370

Platinum

€850

Newborn care

Takes effect when the mother has been covered for 12 months or more.

Up to 10 days routine care of the newborn following birth and all treatment during the first 90 days. 

Behandling for medfødte lidelser for en nyfødt er dækket under "medfødte forhold" og er underlagt betingelserne. 

Silver

€18,000

Gold

€55,000

Platinum

€122,000

Option: International Outpatient (recommended)

Annual overall benefit maximum

The annual benefit limit per beneficiary per period of cover for International Outpatient treatment.

Silver

€12,000

Gold

€25,000

Platinum

Paid in full

Consultations with medical practitioners and specialists

Covers consultations or meetings with a medical professional for diagnostics, arrange or receive treatment.

Silver

€1,850

Gold

€3,700

Platinum

Paid in full

Prescribed drugs and dressings

Covered if prescribed by a medical practitioner on an outpatient basis.

Silver

€1,100

Gold

€2,200

Platinum

Paid in full

Pathology, Radiology and diagnostic tests

E.g. ultrasound and x-rays.

Silver

€1,850

Gold

€3,700

Platinum

Paid in full

Outpatient rehabilitation

Covers: Physiotherapy, Occupational therapy, Osteotherapy and Chiropractic treatment, Speech therapy, and Cardiac and pulmonary rehabilitation.

Silver

€3,700

Gold

€7,400

Platinum

Paid in full

Pre-natal and post-natal care

Takes effect when the mother has been covered for 12 months or more.

E.g. Fees for routine use of obstetrician and midviwe, planned ultrasounds and examinations, prescribed medicine and dressings, blood tests and other fees of post-natal care.

Silver

No coverage

Gold

€2,750

Platinum

€5,500

Infertility investigations and treatment

Takes effect when the beneficiary has been covered for 24 months or more. Covers a maximum of 4 attempts. Available till the beneficiary is up to 41 years old.

Silver

No coverage

Gold

No coverage

Platinum

€7,400

Sleep apnoea

Covers hire of CPAP machine, or if necessary other equipment. 

Covers operation if medically necessary.

Silver

No coverage

Gold

€1,100

Platinum

€1,480

Genetic cancer test

Takes effect when the beneficiary has been covered for 12 months or more.

Silver

No coverage

Gold

€1,480

Platinum

€2,950

Acupuncture & Chinese medicine

A limit of 15 consultations per period of coverage or up to the limit shown.

Silver

€1,850

Gold

€3,700

Platinum

Paid in full

Medical equipment

Covers all of your necessary durable medical equipment. e.g. wheelchair, crutches or other non-disposable equipment. 

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Vaccinations for adults

Covers your fees for vaccinations and immunisations that are clinically appropriate.

Silver

€185

Gold

Paid in full

Platinum

Paid in full

Dental accidents

Outpatient dental treatment caused by an accident.

For a comprehensive dental cover, you may need our Dental & Vision option.

Silver

€740

Gold

Paid in full

Platinum

Paid in full

Child and adolescence wellbeing health

Covers evaluation of medical history, physical examinations, development assessment, and appropriate vaccinations and laboratory tests. 

Notice: Mental health consultations with a psychiatrist or psychologist are covered by the Mental Health & behavioural care benefit under the main plan. 

Further, you can get one health check per period for growth, hearing and vision in connection with the first school date and screening for diabetic retinopathy for children with diabetes.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

60+ care

If you as the beneficiary is 60 years old or above or turning 60 within the period of cover, and if you have had one of the following conditions is declared on the medical questionnaire (and especially excluded on your policy), the insurance covers outpatient treatment regarding the maintenance of the condition: Hypertension, Glaucoma, Type 2 diabetes, joint or back pain, arthritis, or osteoporosis/osteopenia.

Silver

No coverage

Gold

€740

Platinum

€1,480

Option: International Health & Wellbeing (recommended)

Life Management Assistance Programme

Available 24/7/365 to call and get free and confidential counselling regarding any subject like work, life, personal or family matter. 

Read more about the programme in the customer guide.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Routine adult physical examinations

Routine physical examinations including, but are not limited to height, weight, blood pressure, lung function, urinalysis and more.

Silver

€165

Gold

€330

Platinum

€440

Cervical cancer screening

Covers
- Papamicolaou test (pap smear)
- 1 HPV DNA test for female beneficiaries at the age 30-65

Silver

€165

Gold

€330

Platinum

Paid in full

Prostate cancer screening

Covers:
- 1 prostate examination (PSA test) for men i the age of 50 years old or above
- 1 prostate examination (PSA test) for asymptomatic men in the age of 40 years old or above

Silver

€165

Gold

€330

Platinum

Paid in full

Mammograms for breast cancer screening

Covers
- 1 screening mammogram for women age 25-39 years old, when medically necessary, if they have a prior history of breast cancer
- 1 screening mammogram for asymptomatic women age 40 years or above

Silver

€165

Gold

€330

Platinum

Paid in full

Bowel cancer screening

Covers
- 1 bowel cancer screening for beneficiaries 50 years or above

Silver

€165

Gold

€330

Platinum

Paid in full

Bone densitometry

Covers
- 1 scan for women age 65 years or above
- 1 scan for post-menopausal women younger than 65 years when medically necessay
- 1 scan for men age 50 years or above when medically necessary

Silver

€165

Gold

€330

Platinum

Paid in full

Dietetic consultations

Up to four (4) consultations per period over cover if you require dietary advice regarding a diagnosed disease or illness e.g. diabetes

Silver

No coverage

Gold

No coverage

Platinum

Paid in full

Option: International Vision & Dental

Eye test

Get 1 eye test per period of cover

Silver

€75

Gold

€150

Platinum

Paid in full

Expenses for

Get your expenses covered when buying spectacle frames and lenses, contact lenses, and prescription sunglasses. Up to your plan's annual limit.

Silver

€125

Gold

€125

Platinum

€245

Dental Treatment

The annual benefit limit per beneficiary period.

Silver

€930

Gold

€1,850

Platinum

€4,300

Preventative

Takes effect when the beneficiary has been covered by this option for 3 months.

Pays in full for:
- 2 dental checkups per period of cover
- X-rays, including necessary equipment like bitewing, single view, and orthopantomogram (OPG)
- Scaling and polishing incl. topical fluoride application
- 1 mouth guard
- 1 night guard
- Fissure sealant 

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Routine dental treatment

Takes effect when the beneficiary has been covered for 3 months.

The insurance covers the following, per recommendation of a dentist: Root canal treatment, extractions, surgical procedures, occasional treatment, anaesthetics, and periodontal treatment. 

Silver

80% refund

Gold

90% refund

Platinum

Paid in full

Major restorative treatment

Takes effect when the beneficiary has been covered for 12 months.

If you need major restorative treatment before you have been covered for 12 months, we will refund 50% of the treatment cost.

The insurance covers the following: dentures, crowns, inlays, and placement of dental implants.

Silver

70% refund

Gold

80% refund

Platinum

Paid in full

Orthodontic treatment

Takes effect for beneficiaries age 18 or younger, when they have been covered for 18 months. 
Treatment has to be approved in advance.

Silver

40% refund

Gold

50% refund

Platinum

50% refund

Option: International Evacuation & Crisis Assistance Plus

International medical evacuation

The annual benefit limit per beneficiary

Get transferred to the nearest hospital where the necessary treatment is available, if not available locally in an emergency. Can be in or out of the current country. Get transferred back again within 14 days of received treatment.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Medical repatriation

Covers if medical repatriation is needed, according to a serious illness or after a traumatic event or surgery. 

Return to country of residence or nationality.

Return back to the place the treated got transported from within 14 days.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Repatriation of mortal remains

In case of death outside of the usual country of residence, we will pay for the return of mortal remains to the country of residence or nationality as soon as possible, subject to requirements and restrictions.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Travel cost for an accompanying person

If in need of an accompanying person, e.g. parent, child, sibling or partner, we will pay for their travel costs.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Compassionate visit - Travel costs

Each beneficiary has a limit of five (5) visits over the lifetime of the cover. 

Silver

€1,000

Gold

€1,000

Platinum

€1,000

Compassionate visit - Living allowance costs

Covers up to the total limit shown (per day) for each visit with a maximum of 10 days per visit.

Silver

€125 per day

Gold

€125 per day

Platinum

€125 per day

Crisis Assistance Plus Programme

Provided by global crisis response experts FocusPoint International, which is available for travellers with 24 hours available, multilingual assistance centres in more than 100 countries.

E.g. response teams for pandemics, natural disasters, violent crimes, disappearance of persons, wrongfully detentions and more. 

Silver

Covered

Gold

Covered

Platinum

Covered

All of our plans include

Medical essentials

Such as covered hospitals stays, treatments and rehabilitation. Including fees for specialists, surgeons, nurses, hospital accommodation and medicine.

Worldwide treatment

Get treatment in your country of residence or abroad with any of our covers and be sure of a private room, full cancer care, inpatient and daypatient etc.

24/7 medical support

With the Cigna hotline, Wellbeing app and more, you always have support and care when you need it, wherever you need it. E.g. get prescriptions for medicine.

For the full list of how your plan can cover you, read our customer guide for more details and always check our policy rules when buying insurance.

How you're covered for COVID-19 on your health insurance

COVID-19 insurance
Read here how you are covered on your insurance when admitted with COVID-19.

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Example Silver

Our basic plan
A 40 year old with Outpatient and Health & Wellbeing option:
170 € monthly
with annual payment
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Example Gold

Our most popular plan
A 40 year old with Outpatient and Health & Wellbeing option:
232 € monthly
with annual payment
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Example Platinum

Our best covered plan
A 40 year old with Outpatient and Health & Wellbeing option:
325 € monthly
with annual payment

A full covered health insurance

  • Examination and treatment at a private hospital of your choice, home or aborad
  • Access to specialists without referral 
  • Reimbursements for prescribed medicine
  • Video and phone consultations with doctors and specialists
  • Access to second opinion
  • Deductible of your choice
  • Parent and baby care (e.g. midwives fees)

At Health Insurance Instantly, we believe that any medical problem should receive the best possible treatment the world has to offer.

Also, you get access to:
  • Treatment and prevention of cancer
  • Palliative care (medicine, home nursing etc)
  • Transplant service e.g. heart surgery
  • Treatment and care for chronic illness like diabetes
  • Treatment of high complexity
  • And more
  • No requirement of use of public system or referral.

We are here to help you choose the right health insurance

Call us or fill out the form and we will contact you within your chosen timeslot.

If you wish to talk about a quote on health insurance, you can fill out our quote form. We will send you a quote prior to our talk.