What medical conditions does expat health insurance cover?
Expat health insurance covers new medical conditions that begin after the insurance coverage starts and after any applicable waiting period. This coverage includes treatment provided by a registered medical doctor during outpatient appointments and inpatient hospital stays.
Are non-medical treatments covered by expat health insurance?
Expat health insurance provides limited coverage for some non-medical treatments. Dental care and physical therapy have restricted coverage, but most other non-medical treatments are generally not covered.
Below is a simplified comparison table displaying an initial overview of the coverage.
Insured benefits | Rate basic |
|
Outpatient medical treatment | 100% |
|
Pain-relieving dentistry | €500/year |
|
Dentures required due to accident | €500/year |
|
Medication and bandages | 100% |
|
Radiation, light and other physical treatments | 100% |
|
Massages, packs and inhalations per insurance year | €300/year |
|
Aids as a result of an accident per insurance year | 100% |
|
Surgery | 100% | 100% |
Inpatient treatment on a general (not private) ward (room containing several beds), excluding optional benefits (treatment by a private doctor) | 100% |
|
Medically necessary pregnancy treatment and treatment for premature birth | 100% |
|
Pregnancy examinations per insurance year | €250/year |
|
Childbirth, including costs for examinations and treatment for premature birth | 100% |
|
Patient transportation for inpatient treatment | 100% |
|
Repatriation where it makes medical sense | 100% |
|
Return of body to home country | €10.000 |
|
Telemedical consultation per insurance year | 1 consultation session/year |
|
Run-off liability until the patient is able to travel again | 100% |
|
What medical treatments are explicitly not covered by expat health insurance?
The following treatments and conditions are excluded from coverage under expat health insurance:
- Pre-existing conditions present before the policy start date
- Routine check-ups and any medical issues discovered during these check-ups
- Preventative and prophylactic treatments
- Psychoanalytical and psychotherapeutic treatments
- Treatments related to addictive disorders
- Ambulance transport unless it results in an inpatient hospital admission
- Allied health services except physiotherapy, such as occupational therapy, podiatry, social work, and dietetics
- Self-inflicted injuries
- Gynaecological screenings
- Fertility or sterility treatment
- Holistic and alternative therapies.
How does ambulance transport coverage work under expat health insurance?
Ambulance transport is covered only if it results in an inpatient stay at a hospital. Transport without hospital admission is not covered.
What types of allied health treatments does expat health insurance not cover?
Allied health treatments are generally not covered except for physiotherapy. This includes occupational therapy, podiatry, social work, and dietetics, which are excluded from coverage.