What is insured?

• Medical treatment everywhere

  Treatment at any locally recognized healthcare provider around the world.

  That includes visits with overnight stays (“inpatient”) and without (“outpatient”).

  Limited dental & mental treatment (see below).

• Sports injuries

  Surfing, kitesurfing, skiing, snowboarding, kayaking, cycling, mountain biking, and hiking, for example, are covered.

  All sports are covered unless they're listed under Dangerous activities.

• Assistance & direct billing

  24/7 hotline for emergencies and hospital stays.

  Our assistance follows up on your treatment and ensures high quality care. They guarantee and organize payments directly to your hospital.

  This is provided by MD Medicus & Global Excel.

• Hospital visits

  If you likely have to stay in a hospital for more than five days a close friend or family member can visit you. We pay for their travel costs.

• Medical transport

  We cover transport costs to the nearest hospital that fits your medical needs.

  If your recovery takes a long time, we can bring you to your home country. You decide.

• Repatriation

  We can bring mortal remains to their home country. Alternatively a burial abroad is covered up to the amount of the repatriation costs.

• Pregnancy

  Check-ups up to the 12th week of pregnancy, two ultrasound examinations, treatment for complications, labor including birth assistants & midwives, and postnatal care up to €50,000.

• Emergency dental treatment

  Treatment for pain relief up to €500 per case. Necessary treatment as a result of an accident up to €1,000 per case.

• Initial mental issue treatment

  Initial outpatient treatment of mental illnesses up to €1,500 per year.

  Emergency inpatient treatment of first-time mental and emotional disorders up to €20,000 per year.

• COVID-19

  You're covered for treatment of COVID-19 without cost limit. We'll state that explicitly on your certificate — suitable for immigration.

  Quarantines are not covered as they are not medically necessary.

• Medication & materials

  Medically necessary medication, remedies, and dressing material.

• No overall cost limit

  We expect that all parties help in keeping the cost reasonable. There are only a few specific limits that are mentioned where needed.

 

What is not insured?

• Pre-existing conditions

  Medical conditions within six months before your insurance aren't covered.

  If you had an accident or got sick right before signing up for this insurance, it won't be covered.

• Dangerous activities

  Diving, motorcycle & car racing (normal driving is fine), parachuting, paragliding, bungee & base jumping, free climbing, and mountaineering (if specialized equipment required) aren't covered.

• Professional sports

  Consequences of professional sports aren't covered. That's any sport where you receive compensation for your participation.

• Drugs & excessive alcohol

  Consequences of drugs or excessive alcohol consumption aren't covered.

• Active participation in war

  Consequences of actively participating in war activities aren't covered. Passive activities like a journalist reporting from a war zone are covered.

• Medical tourism

  If medical treatment is one of the reasons for your travel it isn't covered.

• Anything after a return transport

  As is common in worldwide health insurance, the insurer may end your insurance after a medical return transport to your home country.

  You decide if you accept a return transport.

• Non-medical travel-related costs

  This is high-quality health insurance.

  Trip cancellation, trip interruption, flight delays, lost luggage, loss due to theft or burglary, and personal liabilities aren't covered.

 

Are there any restrictions on cover?

• Deductible

  You can choose a deductible of €50 per case to reduce the price of your insurance. In that case, the insurance will only cover costs in excess to that deductible.

  For example, given a deductible of €50 and a doctor's bill of €1,000 you would pay €50 and we would pay the remaining €950.

  Also, €250 will be deducted for treatment in U.S. emergency rooms unless medically necessary.

• Home country

  Cover in your home country is restricted to 6 weeks per 180 days and only includes accidents and life-threatening emergencies.

  Your home country is covered only if you left it at least once after your insurance started.

• Waiting period

  If you signed up from abroad the first 14 days of cover are restricted to accidents and life-threatening emergencies.

  There's no waiting period if you have healthcare cover elsewhere until your cover with us begins.

• Pre-existing pregnancy

  For a pregnancy that has already arisen before the start of the insurance the cover is restricted to acute and unforeseeable deterioration in the health of mother or child.