We offer two international health insurance plans: Essential (€300,000/year) and Plus (€2,500,000/year). Both plans cover the same core medical services including outpatient and inpatient treatment, diagnostics, prescribed medicines, dental, and medical repatriation. The Essential plan has more exclusions of coverage. Both plans offer a deductible of €0, €500, or €1,000 per calendar year.
What do both plans cover?
The following services are covered under both the Essential and Plus plans:
Outpatient and inpatient medical treatment
Diagnostic tests
Prescribed medicines, dressings, remedies, and medical aids
Dental treatment (up to €1,000 per year)
Medical transport
Home nursing care
Medical repatriation to your home country
Return transport of co-insured children
Search and rescue operations (up to €10,000)
What is the annual coverage limit for each plan?
The Essential plan provides up to €300,000 in total coverage per insured person per year. The Plus plan provides up to €2,500,000 per insured person per year.
Does either plan cover pregnancy and childbirth?
Pregnancy and childbirth are covered under the Plus plan only. The Plus plan covers routine pregnancy care and childbirth up to €10,000 per pregnancy, and pregnancy complications up to €500,000 per pregnancy. The Essential plan does not cover pregnancy or childbirth under any circumstances.
What is not covered under the Essential plan?
The following services are not covered under the Essential plan:
Pregnancy and childbirth
Outpatient and inpatient psychotherapy
Preventive check-ups
Alternative medicine, including acupuncture, traditional Chinese medicine, and homeopathy
Cosmetic treatments
Infertility treatments
LASIK eye surgery
Rehabilitation
Treatment related to alcohol or drug abuse
Hazardous activities
Lifestyle products
What is not covered under the Plus plan?
The following services are not covered under the Plus plan:
Cosmetic treatments
Infertility treatments
LASIK eye surgery
Rehabilitation
Treatment related to alcohol or drug abuse
Hazardous activities
Lifestyle products
How does the deductible work, and is it the same for both plans?
Both plans offer the same three deductible options: €0, €500, or €1,000. The deductible applies per calendar year — not per claim, per condition, or per treatment. This means you pay your chosen deductible amount once per year, and we reimburse all eligible costs above that threshold for the remainder of the year.