Our plans and options

The annual maximum benefit is how much your insurance covers per year.

Your hospital bills are covered for up to this amount, in each period of cover.

Silver

€ 800,000

Gold

€ 1,600,00

Platinum

Paid in full

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

Platinium

Paid in full

Private room

Accommodation of parent or guardian

Covers a parent or guardian accompanying the insured individual under 18 years of age during hospitalization.

€ 740

€ 740

Paid in full

Cash payout if hospitalized

Amount paid per night of hospitalization.

Maximum of 30 nights.

€ 75

€ 75

€ 150

Accident and emergency room treatment

Covers immediate medical attention following an accident, sudden illness, or life-threatening situation without hospitalization.

€ 370

€ 740

€ 1,000

Transplant service

Treatment and medication that are directly linked to the process of organ transplantation.

Advanced Medical Imaging

MRI, CT and PET scans

Rehabilitation

Including physiotherapy, occupational therapy, cardiac, pulmonary, cognitive and speech therapy, as well as heart and lung therapy.

€ 3,700

Up to 30 days

€ 7,400

Up to 60 days

Paid in full

Up to 90 days

Home nursing

Receive necessary medical care in the comfort of your own home, provided by a licensed nurse. Our home nursing services cover the same level of care you would receive in a hospital setting.

€ 1,850

Up to 30 days

€ 3,700

Up to 60 days

Paid in full

Up to 120 days

Acupuncture and Chinese medicine

Specialists that are authorized and licensed in the country where you receive treatment.

Palliative care

Services such as home care, hospitalization, day patient programs, hospice care, prescription medication, and physical and psychological care.

Prosthetics

Internal and external prosthetics that are essential as part of your treatment.

Local ambulance & air ambulance services

Providing transportation from the site of an accident to a hospital, from one hospital to another, or from your home to a hospital.

Obesity Treatment

Available after 24 months of continuous coverage.

70% refund up to:

€14,800

80% refund up to:

€18,500

Congenital conditions

Treating conditions that are present from birth and manifest before the age of 18.

Emergency medical treatment outside of coverage area (USA)

If you travel in the United States and experience a medical emergency, you are covered for up to the designated amount.

This coverage applies to both hospitalization and outpatient care.

Mental and behavioral care

Our comprehensive coverage includes day-patient, inpatient, and outpatient treatments provided by qualified psychologists and psychiatrists.

Autism and ADHD:
We cover medical expenses, including doctor and pediatrician visits related to autism and ADHD under outpatient treatment. This includes diagnostic testing and evaluation for both conditions and behavioural therapy.

Silver

€ 3,700

Up to 30 days

Gold

€ 7,400

Up to 60 days

Platinum

Paid in full

Up to 120 days

Cancer Treatment

Once diagnosed with cancer, we cover the cost of proactive and evidence-based cancer treatment.

Genetic testing available on our Gold or Platinum plans.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Preventive Cancer Surgery

Cover of preventive cancer surgeries.

Genetic testing available on our Gold or Platinum plans.

70% refund up to:

€ 7,400

80% refund up to:

€ 13,300

90% refund up to:

€ 13,300

Routine maternity care

Becomes effective after the mother has been covered for more than 12 months.

Covers expenses for hospitals, obstetricians, and midwives during routine childbirth.

Silver

No coverage

Gold

€ 5,500

Platinum

€ 11,000

Complications

Becomes effective after the mother has been covered for more than 12 months.

Home birth

Becomes effective after the mother has been covered for more than 12 months.

No coverage

Newborn care

Becomes effective after one of the parents has been covered for more than 12 months.

Up to 10 days of routine care for the newborn after birth.

Treatment for congenital disorders in a newborn is covered under "congenital conditions."

Children born through surrogacy or adoption may be covered under this policy regardless of coverage duration.

Annual overall benefit maximum

The overall benefit maximum per insured individual for outpatient treatment per year.

Silver

€ 12,000

Gold

€ 25,000

Platinum

Paid in full

Consultations with medical practitioners and specialists

Includes consultations for diagnosis, advice, or treatment.

Prescription medication and dressings

If prescribed by a doctor on an outpatient basis.

Diagnosis and Investigations

This includes pathology, radiology (such as ultrasound and X-rays), and diagnostic tests, including advanced imaging diagnostics.

Outpatient rehabilitation

Physiotherapy, occupational therapy, osteopathy and chiropractic, speech therapy, and heart and lung rehabilitation. 

Before and after childbirth

This includes routine fees for obstetricians and midwives, scheduled ultrasound examinations, prescription medication, and potential expenses for postnatal care.

Effective after the mother has been covered for 12 months or more.

Infertility - Investigation and treatment

Experience up to a maximum of four attempts and remain eligible until the age of 41.

Effective after 24 months.

€ 7,400

Sleep Apnea

Renting equipment (CPAP) or other necessary devices.

Also covers necessary operations.

Genetic cancer test

Effective after 12 months.

Acupuncture & Chinese medicine

Maximum of 15 consultations per coverage period.

Medical Equipment

Such as wheelchairs, crutches, and other durable equipment.

Vaccinations

Covers fees for vaccinations with coverage up to the total limit or fully paid for. Must be 18 years or older.

Dental injury from an accident

Emergency dental care following an unforeseen mishap.

Child and Adolescent Health

We evaluate medical history, physical examinations, developmental assessments, as well as vaccinations and laboratory tests.

Consultations with a psychiatrist or psychologist are covered under the main coverage.

We conduct health checks to assess growth, hearing and vision in connection with starting school, and screen for diabetic eye disease in children with diabetes.

60+ care

If you're 60 years old or turning 60 during the coverage period and have any of the following conditions that you've disclosed in the medical questionnaire, the insurance will cover outpatient treatment for the maintenance of high blood pressure, type 2 diabetes, glaucoma, rheumatoid arthritis, joint and back pain, osteoporosis/osteopenia - even if excluded in your policy.

Regular Health Check-up at the Doctor's

Regular health check-ups for individuals above 18 years, covering: height, weight, blood, blood pressure, urine analysis, lung function and more.

Silver

€ 165

Gold

€ 330

Platinum

€ 440

Life Management Assistance Programme

24/7, you can receive confidential and free guidance and assistance for any personal, family, or work-related issues with Life Management Assistance Program's advisors.

Cervical Cancer Screening

• 1 Pap smear (HPV test)
• 1 HPV DNA test for women aged 30-65 years old

Prostate Cancer Screening

• Men aged 50 and over get one prostate examination (PSA test)
• Asymptomatic men aged 40 and over get one prostate examination (PSA test)

Breast cancer screening (mammography)

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

Screening for Colorectal Cancer

• Individuals aged 50 or older are eligible for a screening for colorectal cancer.

Bone Density Testing

• 1 scan for women aged 65 or older
• 1 scan for women under 65 after menopause, if necessary
• 1 scan for men aged 50 or older, if necessary

Nutritionist (Dietetic consultations)

• Up to 4 consultations per coverage period

Paid in full

Dental Coverage

The overall benefit maximum per insured individual for dental treatment per year.

Silver

€ 930

Gold

€ 1,850

Platinum

€ 4,300

Preventive dental care

Effective after 3 months.

• 2 dental check-ups per coverage period
• X-rays
• Teeth cleaning
• 1 tooth protector per coverage period
• 1 bite guard per coverage period
• Sealing of fissures

Routine dental treatment

Effective after 3 months.

Per recommendation by a dentist:

• Root canal treatment
• Tooth extraction
• Surgeries
• Dental check-ups
• Anaesthesia
• Periodontitis

80% refund

90% refund

Major restorative dental treatments

Effective after 12 months.

Treatment costs related to:

• Dentures
• Crowns
• Inlays
• Placement of dental implants

If necessary within the 12-month coverage period, we will pay 50% of treatment costs.

Orthodontic treatment

Requires prior approval.

Available for individuals aged 18 or younger, once they have been covered for 18 months.

Eye Exam

1 eye exam per coverage period.

€ 75

€ 150

Paid in full

Costs for

• Eyeglass frames and lenses
• Contact lenses
• Prescription sunglasses

€ 125

International Medical Evacuation

Benefit limit per insured per coverage period.

Be transported to the nearest medical facility if necessary treatment is not available locally in the current emergency situation.

Silver

Paid in full

Gold

Paid in full

Platinum

Paid in full

Medical Home Transportation

In case of serious illness, traumatic events, or surgery, if there is a need for medical home transportation, we are here to assist you. Our services also cover return trips to your place of residence or nationality, or even back to the location where you were initially transported from.

Repatriation of Deceased

In the unfortunate event of the insured passing away, our medical assistance service will arrange for their repatriation to their country of residence or nationality as soon as practically possible.

Travel Costs of Accompanying Person

In case of a need for a companion (parent, sibling, child, spouse, partner) during a medical evacuation, additional travel costs may apply.

Compassionate visit: Travel Expenses

Each beneficiary has up to five visits within the lifetime of the cover.

Compassionate visit: Cost of living

Up to the total limit displayed per day for each visit, for a maximum of 10 days per visit.

€ 125 per day

Crisis Assistance Plus^TM Programme

Provided by global crisis management experts, FocusPoint International, our Crisis Assistance Plus^TM Programme offers round-the-clock, multilingual assistance centers in over 100 countries to assist travellers worldwide.