In general, all of the plans will cover medical care for new conditions, accidents and injuries that first commence after your coverage begins. There is also the option to choose a plan with additional medical and non-medical extras.
Please note: The coverage listed does not apply to pre-existing issues or routine check ups unless it is specifically stated in the policy terms.
COVERAGE | Basic | Premium |
Overall limit | €1,500,000 | €1,500,000 |
INPATIENT SERVICES |
|
|
Inpatient hospital service
- Accommodation
- Meals
- Medical treatment
| ✅ | ✅ |
Inpatient psychiatric treatment | ✅
Max 30 days
| ✅
Max 30 days
|
Reconstructive surgery | ✅ | ✅ |
Rehabilitation | €150,000 lifetime limit | €150,000 lifetime limit |
Accident and emergency room treatment | ✅ | ✅ |
Internal prostheses, medical aids and devices | ✅ | ✅ |
Hospice/palliative care | ✅
Max 15 days
| ✅
Max 15 days
|
Ambulance services | ✅ | ✅ |
An excess fee of 75 EUR is applicable for all OUTPATIENT benefits listed below:
OUTPATIENT TREATMENT BENEFITS | Basic | Premium |
MRI, CT and PET Scans | ✅
| ✅ |
General physician fees | ✅ | ✅ |
Specialist and consultant fees | ✅ | ✅ |
Prescription drugs and dressings | ✅ | ✅ |
X-rays, diagnostic and pathology tests | ✅ | ✅ |
Physiotherapy
Up to 20 sessions when referred by a physician
| ✅ | ✅ |
Complementary therapies
Osteopathy, chiropractic, homeopathy and acupuncture (when referred by a physician)
| ✅
| ✅
|
DENTAL CARE BENEFITS
| Basic | Premium |
Dental treatment following an accident | ✅ | ✅ |
Dental treatment
Available after 6 months of cover
| €750 | €1,125 |
WELL BEING BENEFITS | Basic | Premium |
Routine health screening
Preventative health checks available after 6 months of cover
| €450 | €750 |
Vaccinations
For children or for travel purposes
| €300 | €300 |
CANCER TREATMENT | Basic | Premium |
Oncology, chemotherapy and radiotherapy* | ✅ | ✅ |
Cancer counseling
Following a cancer diagnosis with a registered psychologist/counsellor
| €1,500 | €1,500 |
Artificial Hair Benefit | €1,500 | €1,500 |
EMERGENCY MEDICAL EVACUATION/REPATRIATION | Basic | Premium |
Emergency medical evacuation*
Evacuation costs for acute medical conditions where local medical facilities are inadequate
| ✅ | ✅ |
Emergency medical evacuation – supplementary expenses*
- Cost of travel to place of origin
- Hotel accommodation costs for companion taxi costs for companion
- Accommodation costs following inpatient care
| Economy air ticket Up to 12 nights Up to £500/$1,000/€750 Up to 7 nights | Economy air ticket Up to 12 nights Up to £500/$1,000/€750 Up to 7 nights |
Compassionate home travel*
In the event of the death of a close family member, available after 1 year of cover
| 1 return economy air ticket | 1 return economy air ticket |
Repatriation or local burial*
Where death occurs outside the home country
| €11,250 | 15,000 |
TELEHEALTH | Basic | Premium |
Teleconsultation
Access to licensed doctors around the world via phone for non-emergency conditions
| ✅
Additional full refund up to €150 for prescription drugs following consultation
| ✅
Additional full refund up to €150 for prescription drugs following consultation
|
MENTAL HEALTH BENEFITS | Basic | Premium |
Outpatient psychiatric services
General physician and consultant fees > prescription drugs
| ✅
€75 excess per claim
| ✅
€75 excess per claim
|
Outpatient psychiatric therapies
Counseling, cognitive behavioral therapy and psychotherapy
| €1,500 | €3,000 |
MATERNITY CARE BENEFITS | Basic | Premium |
Normal pregnancy and childbirth
Available after 18 months of cover
| ❌ | €9,000 |
Complicated pregnancy and childbirth
Available after 18 months of cover
| ❌ | €18,000 |
Complications of pregnancy
Available after 18 months of cover
| ❌ | ✅ |
ADDITIONAL BENEFITS | Basic | Premium |
HIV/AIDS
After 2 years on the plan
| €15,000 | €15,000 |
Out of area cover
For emergencies and acute episodes of existing covered medical conditions
| €45,000
Max 60 days
| €60,000
Max 60 days
|
What isn't covered under this policy?
Elective or cosmetic treatments
Preventative care or treatment related to sexually transmitted diseases (STDs)
Treatment for learning difficulties, hyperactivity, attention deficit disorder (ADHD), speech therapy, dietician, occupational therapy and developmental, social or behavioral problems
Contraception medication
Treatment of eating disorders
Treatment related to self harm
Gender reassignment treatment
Injuries as a result of extreme sports
Please note: This is an overview of the coverage. For full policy terms, please reach out to our team.
You can obtain a quote and sign up to our long term expat health insurance here.