Expatriate or Foreign Worker
You are a foreign worker or living abroad and looking for an International Health Insurance for you and your family!
Worldwide Medical Cover for expatriates Schengen compliant
Three insurance plans Unlimited duration Moratorium underwriting Different levels of deductible Quote and Buy healthcare for expats
Expatriate or Foreign Worker Schengen compliant Healthcare for Expats Benefits Summary
MEDICAL HEALTHCARE
- INPATIENT
Zero deductible - OUTPATIENT
Franchise €0/250/500/1000 - ACCELERATED UNDERWRITING
Moratorium underwriting
TRAVEL ASSISTANCE 24/24
- RETURN TRANSPORT
TO THE COUNTRY OF RESIDENCE
Up to a total of € 3,000 - ORGANISATION OF PATIENT VISITS
FOR RELATIVES
Up to a total of € 3,000 - DELAYING THE RETURN JOURNEY
Up to € 3,000
LEGAL ASSISTANCE
- DOCUMENT STORAGE/REPLACEMENTS IN THE EVENT OF LOSS
- LEGAL ASSISTANCE IN THE EVENT OF LEAGAL DIFFICULTIES
- ARRANGEMENT OF A RELOCATION SERVICE
- ARRANGEMENT OF A INTERCULTURAL TRANINING
Expatriate or Foreign Worker International Medical Insurance Plan Plan details
Inpatient Treatment
Outpatient Treatment
Dental Services
Medical Assistance
| Medical Health Plan | Expatriates Essential | Expatriates Special | Expatriates Exclusive |
|---|---|---|---|
| Accommodation in a private or semi-private room | |||
| Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) | |||
| Hospital charges, including operating theatres, intensive care wards and laboratories | |||
| Surgery and anaesthetics | |||
| Outpatient surgery instead of inpatient treatment | |||
| Drugs and dressings | |||
| Physiotherapy, including massages | |||
| Therapies, including ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy | |||
| Therapeutic aids and appliances | If needed as a lifesaving measure, such as cardiac pacemakers | If needed as a lifesaving measure, such as cardiac pacemakers. up to 2'000 for therapeutic aids and appliances such as artificial limbs and prostheses | |
| Maternity care and childbirth, services of a midwife or obstetric nurse in the hospital | up to 5'000 Waiting period of 10 months | up to 20'000 Waiting period of 10 months | |
| Complications of pregnancy and childbirth | Waiting period of 10 months | Waiting period of 10 months | |
| Newborn care | |||
| Congenital conditions | up to a maximum of 100'000 per lifetime | up to a maximum of 150'000 per lifetime | up to a maximum of 200'000 per lifetime |
| Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer | |||
| Bone marrow and organ transplants (costs for donor and receiver) | up to a maximum of 150'000 per lifetime | up to a maximum of 200'000 per lifetime | |
| Psychiatric treatment | After written pre-approval/waiting period of 10 months | After written pre-approval/waiting period of 10 months | After written pre-approval/waiting period of 10 months |
| Inpatient psychotherapy | After written pre-approval/waiting period of 10 months | After written pre-approval/waiting period of 10 months | |
| Parent accommodation during inpatient treatment of a minor child up to 18 years | |||
| Nursing care at home and domestic help, instead of a hospital stay | up to 30 days after written pre-approval | up to 60 days after written pre-approval | up to 90 days after written pre-approval |
| Substitute hospital cash plan benefit, for treatments not claimed with us. | 75 per day | 150 per day | 200 per day |
| Inpatient follow-up rehabilitation | up to 21 days after written pre-approval | up to 28 days after written pre-approval | up to 35 days after written pre-approval |
| Hospice | up to 5 weeks | up to 7 weeks | up to 9 weeks |
| Day care | |||
| Transport to the nearest suitable hospital for initial treatment following an accident or an emergency |
| Medical Health Plan | Expatriates Essential | Expatriates Special | Expatriates Exclusive |
|---|---|---|---|
| Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) | |||
| Chemotherapy, oncological drugs and treatment | |||
| Health Checks | up to 250 | up to 500 | |
| Maternity care and childbirth, services of a midwife or obstetric nurse | up to 5'000, waiting period of 10 months | up to 20'000, waiting period of 10 months | |
| Complications of pregnancy and childbirth | waiting period of 10 months | waiting period of 10 months | |
| Congenital conditions | up to a maximum of 100'000 per lifetime | up to a maximum of 150'000 per lifetime | up to a maximum of 200'000 per lifetime |
| Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings | up to 1'000 | up to 2'500 | up to 5'000 |
| Speech therapy | after written pre-approval | after written pre-approval | |
| Psychiatric treatment | up to 1'000 after written pre-approval, waiting period of 10 months | up to 5'000 after written pre-approval, waiting period of 10 months | after written pre-approval, waiting period of 10 months |
| Outpatient psychotherapy | after written pre-approval | after written pre-approval | |
| Drugs and dressings | |||
| Over-the-counter drugs | up to 50 | up to 75 | up to 100 |
| Physiotherapy, including massages | up to 15 sessions | up to 20 sessions | |
| Therapies, including ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy | up to 10 sessions | ||
| Therapeutic aids and appliances | up to 750 | up to 1000 | |
| Vaccinations and immunization | up to 250 | ||
| Vision aids, including an eye test | up to 150 | up to 250 | |
| Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency | |||
| Infertility treatment | 50% up to 7'500 for each insured couple, per lifetime, waiting period of 24 months | 50% up to 15'000 for each insured couple, per lifetime, waiting period of 24 months |
| Medical Health Plan | Expatriates Essential | Expatriates Special | Expatriates Exclusive |
|---|---|---|---|
| Two preventive check-ups per insurance year | |||
| X-rays | |||
| Scale-and-polish cleaning | |||
| Treating oral mucosa and gingiva | |||
| Simple fillings | |||
| Surgery, extractions, root-canal treatment | pain relief only | ||
| Night guard | pain relief only | ||
| Accidental dental treatment | pain relief only | ||
| Major dental services | Reimburseent for the following benefits up to 2'000, waiting period of 10 months | Reimburseent for the following benefits up to 5'000, waiting period of 10 months | |
| Dentures (for example, prostheses, bridges and crowns, inlays) | |||
| Implants | up to four implants per jaw and the dentures to be secured to these implants | up to four implants per jaw and the dentures to be secured to these implants | |
| Orthodontic treatment | |||
| Dental laboratory work and materials | |||
| Treatment plan | |||
| Accidental dental treatment |
| Medical Health Plan | Expatriates Essential | Expatriates Special | Expatriates Exclusive |
|---|---|---|---|
| 24-hour phone and email service with experienced counsellors, doctors and specialists | |||
| Evacuation and Repatriation | |||
| Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages) | |||
| Support and information (by our medical service, second opinion, monitoring the course of the illness) | |||
| Guarantee of payment (GOP) (preparing for a stay in hospital) | |||
| Advance payment | |||
| Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms | |||
| Support in organising a ""doctor-to-doctor"" discussion | |||
| Assistance in choosing the prescribed medication, comparable preparations and their side effects | |||
| Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit) | |||
| Return travel to the country of residence | evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to 3'000 | evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to 3'000 | evacuation for a treatment of the insured person has taken place the insurer refunds the cost of return travel to the country of residence after written pre-approval up to 3'000 |
| Compassionate family visit | up to 3'000 | up to 3'000 | up to 3'000 |
| Delayed return trip | up to 3'000 | up to 3'000 | up to 3'000 |
| Getting hold of and shipping vital medication | |||
| Return transport or care for children | |||
| Help with psychological problems possibly caused by the stay abroad | psychological and therapeutic help by phone, up to 5 calls | psychological and therapeutic help by phone, up to 5 calls | psychological and therapeutic help by phone, up to 5 calls |
| Return of mortal remains | up to 10'000 | up to 10'000 | up to 10'000 |
| Document storage (safe custody, help in getting replacements) | up to 10'000 | up to 10'000 | up to 10'000 |
| Organizing help if you have legal difficulties | |||
| Arranging intercultural training (ex: information on local culture) | |||
| Arrangement of a relocation service | |||
| Private liability |
Expatriate or Foreign Worker Worldwide Medical Coverage for Foreign Citizen General terms and Conditions
Check your eligibility first…
Who can apply to this Internationas health insurance for Expats?
The plan is suitable for individuals and families of all nationalities (U.S. and Non-U.S. citizens), up to 64 years of age. Lifetime medical coverage is available if you are enrolled in the plan by your 64th birthday and maintain continuous coverage. Each person requesting coverage must complete the medical questionnaire required in the application.
You can’t apply to this plan if:
- You stay less than 1 month abroad
- You are 65 years of age
- A compulsory insurance is required in your country of residence
Check your eligibility first…
Who can apply to this Internationas health insurance for Expats?
The plan is suitable for individuals and families of all nationalities (U.S. and Non-U.S. citizens), up to 64 years of age. Lifetime medical coverage is available if you are enrolled in the plan by your 64th birthday and maintain continuous coverage. Each person requesting coverage must complete the medical questionnaire required in the application.
You can’t apply to this plan if:
- You stay less than 1 month abroad
- You are 65 years of age
- A compulsory insurance is required in your country of residence
Individual Retail or Group Plans
Get your product quote online and choose an insurance plan. Complete the required personal data fields and process payment online. Your enrollment is complete and your insurance certificate will be sent electronically.
Group rates are available to institutions and organizations choosing Previsana (group enrollment).
