A routine check-up is a preventative medical appointment with no presenting symptoms or complaints. Under our expat health plan, routine check-ups are not included as a covered benefit. If a health issue or symptom is present, the visit is not considered a routine check-up and may be covered under a different part of your policy.
What is a routine check-up?
A routine check-up is a preventative medical appointment where no symptoms or health concerns are present. The purpose of the visit is purely to assess your general health before any issues arise.
For example, an annual dental visit where you have no pain or complaints but want to be assessed as a preventative measure.
What is not considered a routine check-up?
Any visit to a medical professional for a specific symptom or complaint is not considered a routine check-up.
For example, if you develop elbow pain and visit a doctor to have it assessed, that appointment has a presenting complaint and falls outside the definition of a routine check-up.
Are routine check-ups covered under the expat health plan?
Routine check-ups are not included in our expat health plan. Preventative care visits are not covered under this plan, regardless of the type of medical professional involved.
The only exception is if you become pregnant after your expat health insurance policy starts, then the costs of routine prenatal examinations will be covered after you have been on the plan for at least 6 months.
What happens if something is found during a routine check-up?
Coverage for a routine check-up and any findings from that check-up are treated together. Because the expat health insurance does not include routine check-up coverage, neither the check-up itself nor any follow-up care from findings made during it would be covered.