MEDIHELP INTERNATIONAL Plans

You can choose one of the 5 private health insurance plans with international coverage, with one of the following coverage packages:

Medical services cover of up to 500.000 euro, available in Europe

Medical services cover of up to 1.200.000 euro, available in Europe

Medical services cover of up to 1.500.000 euro, available worldwide

Medical services cover of up to 2.000.000 euro, available Worldwide

Medical services cover of up to 3.000.000 euro, available Worldwide

Together with our partners from GENERALI, one of the most important insurance providers worldwide, we have created a product that will enable you to have access to the best international clinics and hospitals.

The MediHelp International Plan insurance offers access to a network of more than 425.000 private clinics worldwide which are partners of Generali Global Health (GGH), a member company of Generali Group.

Your insurance cover can incorporate:

  • Complete medical services
  • Complex surgeries
  • Hospitalization
  • Multidisciplinary consults
  • Laboratory tests
  • Advanced imaging services
  • Dental treatment
  • Cancer treatment
  • Organ transplant
  • Bone marrow transplant

The advantages of MediHelp International Plans

This insurance covers both companies, and individuals (under 70 years old). The payment system is flexible - it can be either monthly, quarterly, biannually or annually.

The private health insurance with international coverage offered by MediHelp and GENERALI, guarantees its members access to premium healthcare services all over the world.

For any inquries, a dedicated person will be available to provide you with any information you might need and as soon as you need it.

The insurance costs can vary, depending on the benefits package chosen: from 2 euros/day to 7 euro/day for medical services covering costs up to and between 500.000-1.200.000 euro, available only in Europe, and from 3 euro/day to 40 euro/day for medical services costing up to and between 1.500.000-3.000.000 euro, which are available worldwide..

Private health insurance premiums are tax deductible for up to 400 euros/year.

Now you can relax knowing your healthcare is in safe hands, leaving you free to enjoy life to the full. We have the perfect solution for all your healthcare needs!

Table of Benefits

(The limits are applied per insurance year unless mentioned otherwise in the present insurance conditions or in the insurance Policy)

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Select plan:

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Overall maximum limit

500,000 Euros

1,200,000 Euros

1,500,000 Euros

2,000,000 Euros

3,000,000 Euros

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Area of Coverage

Europe

Europe

Worldwide Excluding USA/ Worldwide

Worldwide Excluding USA/ Worldwide

Worldwide Excluding USA/ Worldwide

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No

INPATIENT & DAYCARE

Info

1

Hospital Costs (including accommodation)

In Full

In Full

In Full

In Full

In Full

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

2

Parent Accommodation

In Full

In Full

In Full

In Full

In Full

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

3

Theatre Fees

30,000 Euros

In Full

In Full

In Full

In Full

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

4

ICU/HDU (intensive care/ high dependency unit)

In Full

In Full

In Full

In Full

In Full

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

5

Specialist Fees

In Full

In Full

In Full

In Full

In Full

We will pay for the surgeon, anesthetist and assistant's fees both in surgery and immediately before or after surgery, on the same day. We will pay for surgeon's consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay (such as being admitted for pneumonia).

6

Laboratory investigations, X-Rays and other diagnostics tests

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of tests used to diagnose or assess your condition. This includes laboratory investigations (such as blood tests), imagistic investigations (such as x-rays or ultrasounds) and other diagnostic tests (such as ECGs).

7

Physio/Chiro/ Osteo/ Complementary therapists/ dietician and speech therapy

In Full

In Full

In Full

In Full

In Full

We will pay for treatment provided by medical practitioners in order to aid recovery or restore body functions as part of the overall treatment plan whilst admitted to hospital.

8

Chronic conditions

1,000 Euros

1,000 Euros

In Full

In Full

In Full

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only.

9

Rehabilitation

NA

2,000 Euros

In Full up to 30 days for each condition

In Full up to 30 days for each condition

In Full up to 30 days for each condition

We will pay for In-Patient rehabilitation costs following surgery, subject to Our approval.

10

Psychiatry

NA

NA

NA

In Full (up to 30 days)

In Full (up to 60 days)

We will pay for room and board and the costs of treatment when admitted to a psychiatric hospital up to the limits specified, while under the supervision of a consultant psychiatrist.

11

Prosthesis

In Full

In Full

In Full

In Full

In Full

We will pay for prosthetic implants needed as part of your treatment.

12

Durable medical equipment

NA

NA

2,500 Euros

2,500 Euros

2,500 Euros

We will pay towards the costs of any items, supplies or equipment used in the course of medical treatment or home care, such as orthopedic supports, crutches, wheelchairs, hearing aids or speaking aids.

13

Palliative Care

NA

NA

5,000 Euros

10,000 Euros

20,000 Euros

We will pay towards the costs of palliative care (whether in a hospice or at home) if you have received a terminal diagnosis and can no longer receive active medical treatment leading towards your recovery.

14

Home Nursing

1,000 Euros

5,000 Euros

In Full (up to 30 days after hospitali-sation)

In Full (up to 30 days after hospitali-sation)

In Full (up to 30 days after hospitali-sation)

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

15

Hospitalization Cash benefit

100 Euros up to 10 days

100 Euros up to 10 days

100 Euros per night

120 Euros per night

150 Euros per night

We will pay a cash benefit for each night you spend in a hospital where you are not charged for your admission (ie: at a public hospital)

16

Congenital and hereditary conditions

In Full (only up to 60 days after birth)

In Full (only up to 60 days after birth)

In Full (only up to 90 days after birth)

In Full (only up to 90 days after birth)

In Full (only up to 90 days after birth)

We will pay for the treatment of congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth whether diagnosed at the time or not. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family. After the specified days, the newborn will be subject to underwriting.

17

Cover Outside of Area of Coverage

30,000 Euros up to 30 days

30,000 Euros up to 30 days

50,000 Euros

50,000 Euros

50,000 Euros

Covered until stable for transfer. We will pay only for emergency in-patient treatment.

OUTPATIENT

Info

18

Outpatient Surgery

NA

In Full

In Full

In Full

In Full

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthesy.

19

General Practitioner & Specialist Fees

NA

1,000 Euros

NA

5,000 Euros

In Full

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

20

Drugs and Dressings

NA

Within 1,000 Euro limit mentioned above

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for the cost of drugs and dressings prescribed by your medical practitioner that will only be used for the treatment of a disease, illness or injury.

21

Laboratory investigations, X-Rays and other diagnostics tests

NA

2,000 Euros

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for the costs of tests used to diagnose or assess your condition. This includes laboratory investigations (such as blood tests), imagistic investigations (such as x-rays or ultrasounds) and diagnostic tests (such as ECGs).

22

Physiotherapy

NA

1,800 Euros

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purpose of providing short term focused treatment to relieve pain or restore function.

23

Consultations with therapists & complementary therapists

NA

NA

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for the costs of treatment provided by a registered therapist, such as an Occupational Therapist and Complementary Therapist (acupuncture, homeopathy, chiropractic treatment or osteopathy). We will not pay for sexual therapy.

24

Chronic conditions

1,000 Euros (within in-patient limit)

1,000 Euros (within in-patient limit)

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain). The maximum limit applies for both in-patient and out-patient treatment.

25

Speech therapy

NA

NA

NA

Within 5,000 Euro limit mentioned above

In Full

We will pay for speech therapy in order to restore speech following an accident or for a condition (ie: stroke), under the recommendation of your specialist. We will not pay for developmental delay or language disorders.

26

Psychiatric treatment

NA

NA

NA

Up to 20 visits included within the above limit of 5,000 Euros

Up to 30 visits included within the above limit

We will pay for the consultation and associated costs for psychiatry, psychology or psychotherapy provided the overall treatment plan is under the referral of a practicing registered psychiatrist/ psychologist.

27

Emergency Out-Patient treatment

500 Euros

12,000 Euros

In Full

In Full

In Full

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient) up to the limits provided.

FURTHER BENEFITS

 

Info

28

Cancer treatment

In Full (only in-patient)

In Full (in-patient) and 12,000 Euros (out-patient)

In Full

In Full

In Full

We will pay for fees specifically related to the treatment of Cancer, including hospitalization, radiotherapy, chemotherapy and associated consultations, drugs and tests.

29

Transplant Services

250,000 Euros/ Lifetime (Organ Transplant)
25,000 Euros (Tissue Transplant)

250,000 Euros/ Lifetime (Organ Transplant)
25,000 Euros (Tissue Transplant)

In Full (in-patient)
20,000 Euros (out-patient)

In Full (in-patient)
30,000 Euros (out-patient)

In Full (in-patient)
45,000 Euros (out-patient)

Treatment for and in relation to life-sustaining in case of transplant of human organs, tissues and cells, including but not limited to kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung, in respect of the insured person as a recipient. The transplant will be carried out in internationally accredited institutions by accredited surgeons and where the organ, tissue or cell procurement is in accordance with World Health Organisation (WHO) guidelines. Where your policy includes donor expenses, we will only pay for hospitalisation medical costs associated with the donor as an in-patient or day-patient when services are rendered in a network facility and where the donation does not lead to the loss of the donor’s life and the donating of organs, tissues or cells are removed in the same network facility where the transplant occurs. Costs associated for the donor search or procurement of the organs, tissues or cells are excluded. Cover includes the cost of anti-rejection medication (immunotherapy). The specific type and length of treatment will be determined by the type of transplant and underlying medical condition.

30

Advanced imaging

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

31

Maternity Care

NA

Optional (Companies only) 2,500 Euros and 20% co-pay

3,000 Euros

7,500 Euros

10,000 Euros

Maternity costs incurred after the initial 12 months of continuous membership (from the effective start date) will be eligible for consideration. The coverage includes hospital charges, obstetrician and midwife fees for normal childbirth, pre-natal care and post-natal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for termination of pregnancy, other than miscarriage, ectopic pregnancy and still birth. We will pay for Elective C-sections and Childbirth at home.

32

Maternity Cash Benefit

NA

NA

300 Euros per night

300 Euros per night

350 Euros per night

Maternity Cash Benefit is only available after the initial 12 months of continuous membership (from the effective start date). We will pay a cash benefit for each night you spend in a hospital during childbirth where you are not charged for your admission (ie: at a public hospital). This takes the place of Hospital Cash Benefit.

33

Complications of pregnancy

NA

NA

In Full

In Full

In Full

Maternity costs incurred after the initial 12 months of continuous membership (from the effective start date) will be eligible for consideration. We will pay for the costs of a Medically Necessary Caesarian Section arising as a result of a complication, including conditions such as pre-eclampsia, threatened miscarriage, baby is in breech position or the life of the mother and/or baby is under threat.

34

Newborn care

NA

Optional (Companies only) 37,500 Euros

10,000 Euros

25,000 Euros

100,000 Euros

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth. Children can be added as a dependent onto their parent's policy within 30 days of birth with no exclusions.

35

Accidental dental

NA

NA

NA

500 Euros

1,000 Euros

We will pay towards treatment of damaged teeth following an accident. We will not pay for the repair of dental implants, crowns or dentures.

36

HIV/ AIDS

50,000 Euros/lifetime

50,000 Euros/lifetime

50,000 Euros/lifetime

50,000 Euros/lifetime

50,000 Euros/lifetime

We will pay for medical treatment which arises from, or is in any way related to Human Immuno-Deficiency Virus (HIV) and/or HIV related illness, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) and any similar infections, illnesses, injuries or medical conditions arising from these conditions, however caused.

ASSISTANCE

Info

37

Local Ambulance services

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of a medically necessary local ambulance to either transfer you to hospital following an accident/ illness or from one hospital to another.

38

Repatriation of Mortal Remains

NA

10,000 Euros

10,000 Euros

10,000 Euros

10,000 Euros

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

39

International Emergency Medical Evacuation (subject to Our approval)

NA

25,000 Euros

In Full

In Full

In Full

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need. We will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to EUR 50 each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

PREVENTIVE
TREATMENT

Info

40

Health Screening

NA

Optional (100 Euros)

NA

500 Euros

750 Euros

From age 2 to turning 10 years we will pay towards one annual health screen incl. vaccinations once you have been a member for 10 consecutive months. From age 10 and up we will pay towards one annual health screen once you have been a member for 10 consecutive months.

41

Baby Wellness

NA

NA

NA

Within 500 Euro limit mentioned above

Within 750 Euro limit mentioned above

We will pay towards 4 health screenings incl. vaccinations per year up until your child reaches the age of 2.

42

Vaccinations

NA

NA

NA

200 Euros

350 Euros

From age 10 years and up we pay towards vaccinations and immunizations including travel vaccinations

OPTIONAL PLAN
DENTAL

Info

1

Preventive

NA

NA

2,500 Euros

2,500 Euros

2,500 Euros

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% co-pay for this. (ie: check-up, X-ray, scale and polish, mouth guard)

2

Routine and Restorative

NA

NA

Within 2,500 Euro limit mentioned above

Within 2,500 Euro limit mentioned above

Within 2,500 Euro limit mentioned above

We will pay towards costs of routine and restorative dental treatment after you have been covered for 6 months on this option. 20% co-pay for this. (ie: fillings, root canal treatment, crowns/bridge, implant, anesthesia)

3

Orthodontic

NA

NA

Within 2,500 Euro limit mentioned above

Within 2,500 Euro limit mentioned above

Within 2,500 Euro limit mentioned above

We will pay towards costs of orthodontic treatment up to the age of 18 after you have been covered for 2 years on this option. 50% co-pay for this. (ie: dental braces/retainers)

Note: NA means "Not Applicable"

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