HEALTH PLANS
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HealthCare International 2012 (EURO / USD) |
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Plan
Benefits |
Emergency+ |
Standard |
Plus |
Premium |
Executive |
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HealthCare Treatment |
€/USD 500’000 |
€/USD 1’000’000 |
€/USD 1’500’000 |
€/USD 2’000’000 |
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Area 1 |
Worldwide excluding USA, except 100% of costs for accident or emergency treatment whilst travelling in the USA (up to 60 days treatment per year) |
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Area 2 |
Worldwide including USA, 100% of costs for elective and non-emergency treatment |
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In-Patient Hospital Treatment & Accommodation |
100% of costs |
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Emergency Medical Evacuation & Medical Repatriation |
100% of costs |
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Road Ambulance Transportation |
100% of costs |
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Repatriation of Mortal remains |
100% of costs up to €/USD 3'000 |
100% of costs |
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* Hospitalisation Cash Benefit |
Not covered |
€/USD 200 per Day (up to 50 Days) |
€/USD 250 per Day (up to 50 Days) |
€/USD 300 per Day (up to 50 Days) |
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* Hospital Cash Benefit (in a non chargeable Hospital) |
€/USD 100 per day (up to 30 Days) |
€/USD 200 per day (up to 30 Days) |
€/USD 250 per day (up to 30 Days) |
€/USD 250 per day (up to 45 Days) |
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Life-saving Organ Transplants |
100% of costs (up to 100'000 €/USD) |
100% of costs (up to 500'000 €/USD) |
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Outpatient Physician & Paramedical Fees |
Not covered |
$ 75% of costs |
75% of costs |
100% of costs |
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Outpatient X-Ray, Laboratory Tests |
Not covered |
$ 75% of costs |
100% of costs |
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* Prescribed Drugs |
Not covered |
$ 75% of costs |
100% of costs (up to 1'000 €/USD) |
100% of costs (up to 1'000 €/USD) |
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* Vaccinations |
Not covered |
75% of Cost (up to 150 €/USD) |
100% of Cost (up to 250 €/USD) |
100% of Cost |
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* Well Child Care |
Not covered |
100% of costs (up to 1'000 €/USD) |
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Daycare Surgery Treatment |
100% of costs |
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* Psychiatric, Drug & Alcohol Abuse (Waiting period 6 months) |
Not covered |
50% of costs up to €/USD 5'000 (Lifetime Maximum) |
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Pregnancy & Childbirth (12 months waiting period) |
Not covered |
100% of costs (up to 3’000 €/USD) |
100% of costs (up to 25’000 €/USD) |
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* Complications of Pregnancy Childbirth (12 months waiting period) |
Not covered |
100% of costs (up to 10’000 €/USD) |
100% of costs |
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* Eyeglasses & Contact Lenses (6 months waiting period) |
Optional Extra available |
100% of costs (up to 400 €/USD) |
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Dread/Chronic Diseases (Lifetime Maximum) |
100% of costs (up to 20’000 €/USD) |
100% of costs (up to 200’000 €/USD) |
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* General Dental Care (6 months waiting period) |
Optional Extra available |
100% of costs up to €/USD 2'000 (annual maximum) |
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* Dental Crowns, Bridges, Dentures & Implants (6 months waiting period) |
Optional Extra available |
50% of costs up to €/USD 500 per tooth (up to 2'000 €/USD) |
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* Non-Western & Alternative Medicine (including chiropractic, osteopathy & acupuncture etc.) |
Not covered |
100% of costs (up to 400 €/USD) |
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* Annual Health Checks (6 months waiting period) |
Not covered |
100% of costs (up to 400 €/USD) |
100% of costs (up to 750 €/USD) |
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* Prescribed Medical Aids (Lifetime Maximum) |
Not covered |
50% of costs (up to 6’000 €/USD) |
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* Death of Close Relative |
In the event of the death of a close relative (spouse, parent, child, brother or sister) 100% of costs of a round trip airline ticket to attend a funeral up to maximum 5’000 €/USD per person |
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* Personal Accident Cover |
€/USD 25’000 per member (over the age of 18 years old). €/USD 10’000 block increases available. The maximum amount of cover per member is €/USD 125’000. |
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Travel |
Optional Extra available |
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* Deductible/Excess does not apply
$ Policy year ceiling per person of €/USD 1'000 for the combined expenses of Well Child Care, Outpatient Physician Fees, Outpatient Paramedical Fees, Outpatient X-rays and Laboratory Tests, Outpatient Prescription Drugs.