International Health Insurance: Essential Plan
Essential
Essential brings you medical assistance & treatment in case of illness or emergency.
You want to be covered for outpatient and inpatient treatments, be reimbursed for day-to-day treatments, and benefit from 24/7 medical assistance and services designed for expats. You do not require major dental treatment, maternity care, or therapeutic services. In short, you need a health insurance plan that covers your back for any mishaps or unexpected events that can happen during your stay abroad. Essential is the right answer for your needs as it provides you the necessary protection without unnecessary costs. With Essential, our promise is to provide support and safety at any moment of your expatriation.
What Essential can do for you?
Emergency assistance
With one quick phone call our multilingual 24-hour support partner makes sure you receive the appropriate treatment at the nearest health facility, wherever you are in the world.
Inpatient hospitalisation
Hospital charges, including operating theatres, intensive care wards, laboratories and private or semi-private rooms are included.
Outpatient consultations
You do not need to upgrade your insurance plan to have an unlimited coverage of outpatient consultations, it is already included in Essential!
Essential health coverage:
the plan in detail
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Covered with limits
Not covered
You are on
Exclusive
You are on
Special
You are on
Essential
Accommodation in a private or semi-private room Unlimited Unlimited Unlimited Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) Unlimited Unlimited Unlimited Hospital charges, including operating theatres, intensive care wards and laboratories Unlimited Unlimited Unlimited Surgery and anaesthetics Unlimited Unlimited Unlimited Outpatient surgery instead of inpatient treatment Unlimited Unlimited Unlimited Drugs and dressings Unlimited Unlimited Unlimited Physiotherapy, including massages Unlimited Unlimited Unlimited Therapies, including medical massages, ergo therapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy Unlimited Unlimited Unlimited Therapeutic aids and appliances Unlimited 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. Must be adjusted during the inpatient stay and remain in or on the body. In Addition €2,000 of artificial Limps and Protheses (not dentures!)Must be adjusted during the inpatient stay and remain in or on the bodyMaternity care and childbirth, services of a midwife or obstetric nurse in the hospital Up to €20,000. Waiting period of 10 monthsUp to €5,000. Waiting period of 10 monthsComplications of pregnancy and childbirth Waiting period of 10 monthsWaiting period of 10 monthsNewborn care Unlimited Unlimited Congenital conditions Up to a maximum of €200,000 per lifetime. Seperated Limit for Inpatient €200,000 and for outpatient €200,000Up to a maximum of €150,000 per lifetime. Seperated Limit for Inpatient €150,000 and for outpatient €150,000Up to a maximum of €100,000 per lifetime. Seperated Limit for Inpatient €100,000 and for outpatient €100,000Cancer treatment, oncological drugs and treatment, including reconstructive surgery for breast cancer Unlimited Unlimited Unlimited Bone marrow and organ transplants (costs for donor and receiver) Cost for the search for Organ or Donor are not coveredUp to a maximum of €200,000 per lifetime. Cost for the search for Organ or Donor are not covered.Up to a maximum of €150,000 per lifetime. Cost for the search for Organ or Donor are not covered.Psychiatric treatment After written pre-approval. Waiting period of 10 monthsAfter written pre-approval. Waiting period of 10 monthsAfter written pre-approval. Waiting period of 10 monthsInpatient psychotherapy After written pre-approval. Waiting period of 10 monthsAfter written pre-approval. Waiting period of 10 monthsParent accommodation during inpatient treatment of a minor child up to 18 years Unlimited Unlimited Unlimited Nursing care at home and domestic help, instead of a hospital stay Up to 90 days after written pre-approval. Only applicable if inpatient stay is shortened – pre-approval is needed. Applies for each inpatient stay.Up to 60 days after written pre-approval. Only applicable if inpatient stay is shortened – pre-approval is needed. Applies for each inpatient stay.Up to 30 days after written pre-approval. Only applicable if inpatient stay is shortened – pre-approval is needed. Applies for each inpatient stay.Substitute hospital cash plan benefit, for treatments not claimed with us. €200 per day€150 per day€75 per dayInpatient follow-up rehabilitation Up to 35 days after written pre-approval.Up to 28 days after written pre-approval.Up to 21 days after written pre-approval.Hospice Up to 9 weeks.Up to 7 weeks.Up to 5 weeks.Day care Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.Definition of Day care: wihtin hospital of min 8 hr – max. 24 hours.Transport to the nearest suitable hospital for initial treatment following an accident or an emergency Unlimited Unlimited Unlimited -
Covered with limits
Not covered
You are on Exclusive
You are on Special
You are on Essential
Consultations (including pathology, radiology, computed tomography, magnetic resonance imaging, positron emission tomography and palliative medicine) Unlimited Unlimited Unlimited Chemotherapy, oncological drugs and treatment Unlimited Unlimited Unlimited Health Checks Up to €500Up to €250Maternity care and childbirth, services of a midwife or obstetric nurse Up to €20,000. Waiting period of 10 monthsUp to €5,000. Waiting period of 10 monthsComplications of pregnancy and childbirth Waiting period of 10 monthsWaiting period of 10 monthsCongenital conditions Up to a maximum of €200,000 per lifetime. Seperated Limit for Inpatient €200,000 and for outpatient €200,000Up to a maximum of €150,000 per lifetime. Seperated Limit for Inpatient €150,000 and for outpatient €150,000Up to a maximum of €100,000 per lifetime. Seperated Limit for Inpatient €100,000 and for outpatient €100,000Acupuncture (needle technique), homeopathy, osteopathy, chiropractic, including drugs and dressings Up to €5,000Up to €2,500Up to €1,000Speech therapy After written pre-approvalAfter written pre-approvalPsychiatric treatment After written pre-approval. Waiting period of 10 monthsUp to €5,000 after written pre-approval. Waiting period of 10 monthsUp to €1,000 after written pre-approval. Waiting period of 10 monthsOutpatient psychotherapy After written pre-approval. Waiting period of 10 monthsAfter written pre-approval. Waiting period of 10 monthsDrugs and dressings Unlimited Unlimited Unlimited Over-the-counter drugs Up to €100Up to €75Up to €50Physiotherapy, including massages Unlimited Up to 20 sessions per insurance yearUp to 15 sessions per insurance yearTherapies, including medical massages, ergotherapy, light therapy, hydrotherapy, inhalation, packs, medical baths, cryotherapy, thermotherapy, electrotherapy Unlimited Up to 10 sessions per insurance yearTherapeutic aids and appliances Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.Up to €1,000. Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.Up to €750. Therapeutic aids differentiated between: List of therapeutic aids without pre-approval & List of therapeutic aids with pre-approval.Vaccinations and immunization Unlimited Up to €250Vision aids, including an eye test Up to €250Up to €150Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency Unlimited Unlimited Unlimited Infertility treatment 50% Up to €15,000 for each insured couple, per lifetime Waiting period of 24 months. Requirements:
– Woman not older than 40, Men not older than 50 at date of the first attempt.
– Reason for treatment must be organic caused infertility50% Up to €7,500 for each insured couple, per lifetime Waiting period of 24 months. Requirements:
– Woman not older than 40, Men not older than 50 at date of the first attempt.
– Reason for treatment must be organic caused infertility -
Covered with limits
Not covered
You are on Exclusive
You are on Special
You are on Essential
Two preventive check-ups per insurance year Unlimited Unlimited X-rays Unlimited Unlimited Scale-and-polish cleaning Unlimited Unlimited Treating oral mucosa and gingiva Unlimited Unlimited Pain relief onlySimple fillings Unlimited Unlimited Pain relief onlySurgery, extractions, root-canal treatment Unlimited Unlimited Pain relief onlyNight guard Unlimited Unlimited Accidental dental treatment Unlimited Unlimited -
Covered with limits
Not covered
You are on Exclusive
You are on Special
You are on Essential
Major dental services Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 monthsDentures (for example, prostheses, bridges and crowns, inlays) Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 monthsImplants Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 monthsOrthodontic treatment (for children under 18) Up to €5,000. Waiting period of 10 monthsUp to €2,000. Waiting period of 10 monthsDental laboratory work and materials Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 monthsTreatment plan Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 monthsAccidental dental treatment Reimbursement for the following benefits up to €5,000 Waiting period of 10 monthsReimbursement for the following benefits up to €2,000 Waiting period of 10 months -
Covered with limits
Not covered
You are on Exclusive
You are on Special
You are on Essential
24-hour phone and email service with experienced counsellors, doctors and specialists Unlimited Unlimited Unlimited Medical evacuation Unlimited Unlimited Unlimited Information on medical infrastructure (local medical care and names and addresses of doctors who speak several languages) Unlimited Unlimited Unlimited Support and information (by our medical service, second opinion, monitoring the course of the illness) Unlimited Unlimited Unlimited Guarantee of payment (GOP) (preparing for a stay in hospital) Unlimited Unlimited Unlimited Advance payment Unlimited Unlimited Unlimited Support and information on the nature, possible causes and possible treatment/ forms of therapy of an illness and for medical terms Unlimited Unlimited Unlimited Support in organising a “doctor-to-doctor” discussion Unlimited Unlimited Unlimited Assistance in choosing the prescribed medication, comparable preparations and their side effects Unlimited Unlimited Unlimited Medical support and advice prior to travelling (vaccinations, putting together a first-aid kit) Unlimited Unlimited Unlimited -
Covered with limits
Not covered
You are on Exclusive
You are on Special
You are on Essential
Return travel to the country of residence In case a medically necessary evacuation for treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.In case a medically necessary evacuation for treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.In case a medically necessary evacuation for treatment of the insured person has taken place the insurer refunds the cost (up to €3,000) of return travel to the country of residence after written pre-approval.Compassionate family visit Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.Up to €3,000, if the inpatient treatment lasts at least 7 days and the insurer’s cost payment guarantee is available.Delayed return trip Up to €3,000Up to €3,000Up to €3,000Getting hold of and shipping vital medication Unlimited Unlimited Unlimited Return transport or care for children up to 18 years old Unlimited Unlimited Unlimited Help with psychological problems possibly caused by the stay abroad Psychological and therapeutic help by phone Up to five callsPsychological and therapeutic help by phone Up to five callsPsychological and therapeutic help by phone Up to five callsReturn of mortal remains Up to €10,000Up to €10,000Up to €10,000Document storage (safe custody, help in getting replacements) Unlimited Unlimited Unlimited Organizing help if you have legal difficulties Unlimited Unlimited Unlimited Arranging intercultural training (ex: information on local culture) Unlimited Unlimited Unlimited Arrangement of a relocation service Unlimited Unlimited Unlimited
Not sure which plan to choose?
