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Annual limit per year & per person & life time coverage $1,500,000/€1,500,000
Hospital plan (hospital services during hospitalisation) Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)
Accomodation standard in hospital overnight or as a day case Private room max. $/€350 per day; Semi-private room Full refund
Parent accomodation with an insured child under 18 Full refund
Day care treatment or out-patient surgery Full refund
Nursing care Full refund
Operating room, medecine & surgical dressing Full refund up to 30 days
Prescribed drugs and materials Full refund
MRI, PET & CT-PET scans Full refund
Intensive care, intensive therapy, coronary care, dependency unit Full refund
Surgical fees including anesthesia Full refund
Reconstructive surgery following accident/eligible medical condition Full refund
Specialist's consultations fees Full refund
Diagnostic test - pathology X-rays Full refund
Organ and bone marrow transplant services Full refund
Pacemaker Full refund
Dialysis Full refund
Cancer treatment Full refund
Terminal illness - palliative & hospice care (12 months waiting period) Full refund up to $50,000/€50,000
Psychiatric treatment (10 months waiting period) Full refund
Recontructive surgery Full refund
Rehabilitation Full refund up to 60 days/condition
Nursing care at home Full refund up to $100/€100/day max 30 days/condition
In-patient emergency dental care Full refund
Local transport by ambulance Full refund
Hospitalization Full refund up to $150/€150 per night
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Outpatient services (per year & per person) Full refund
Pre and post hospitalisation consultations & diagnosis analysis within 60 days from the admission and 90 days post-hospitalisation Full refund
General practitioner fees Full refund
Specialist fees Full refund
Day patient & out-patient surgery Full refund
Lab test, X-rays, diagnostic & pathology test Full refund
Prescribed medicine & drugs Full refund up to $500/€500
Psychiatry & psychotherapy (10 months waiting period) Not covered
Prescribed medical aids Full refund up to $1,500/€1,500/condition post hospitalisation
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Chiropractic, osteopathy, homeopathy, acupuncture treatment, physiotherapy, traditional Chinese medicine by a recognised practitioner Full refund up to $1,500/€1,500
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Check-up including screening for early detection (full health screen, mammogram, Papanicolaou (PAP) test, prostate cancer screen) & vaccinations Full refund up to $400/€400 every 2 years or prescribed by a medical authority
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In-patient treatment care & day care treatment (5 year waiting period) Full refund
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Including glasses, frames, contact lenses, laser treatment (6 months waiting period) Not covered
ThinkCare Benefits Secure
Normal pregnancy and delivery costs (10 months waiting period) Not covered
Complications of pregnancy and childbirth (10 months waiting period) Not covered
Cover for new born baby Full refund up to $100,000/€100,000 if added to the plan within 30 days
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Chronic conditions & pre-existing conditions According to medical questionnaire
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Routine dental treatment (check up, basic treatment) (9 months waiting period) Not covered
Major restorative dental treatment including orthodontic, prostheses bridges, implants (9 months waiting period) Not covered
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Medical Assistance - Evacuation - Repatriation AXA Global Assistatnce
Claims Administrations - Process reimbursement Henner
Direct billing hospital Yes
Annual deductible or per condition None
Optional Co-insurance 10% & 20% on Outpatient Treatment Care only