ThinkCare International Health plans are community rated plans distributed through our dedicated Think Insurtech Saas platform with major insurers & reinsurance companies.


The Think Insurtech SaaS platform is a full digital API-based platform developed by Think Insurtech to automate the distribution of international Healthcare policies, manage Data/Compliance in accordance with the international GDPR regulation and the Insurance Distribution Directive in Europe.


Our underwriting philosophy for the Individual/Family plan is Full Medical Underwriting (FMU) including a medical questionnaire to cover pre-existing medical conditions. Pre-existing conditions are medical conditions or any related conditions for which one or more symptoms have been displayed at some point during your lifetime, irrespective of whether any medical treatment or advice was sought.


Any such condition or related condition, about which you or your dependants could reasonably have been assumed to have known, will be deemed to be pre-existing. Pre-existing conditions are covered under the policy, unless otherwise advised by us in writing. Conditions arising between completing the Application Form and the start date of the policy will equally be deemed to be pre-existing.


Such pre-existing conditions will also be subject to medical risk assessment and may result in adding conditions to the policy, charging a loading premium, adding an exclusion or rejecting the application/an insured person.


Our digital health insurance range of plans in Euro, USD & Top-Up CFE system cover 6 areas to better understand your needs and your budget: 


 Zone 1 Africa and Indian Sub-Continent: Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cabo Verde, Cameroon, Central African Republic, (CAR), Chad, Comoros, Congo, Democratic Republic of Congo, Djibouti, Egypt, Equatorial Guinea, Eritrea, Eswatini (formerly Swaziland), Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Ivory Coast, Kenya, Lesotho, Liberia, Libya, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Tanzania, Togo, Tunisia, Uganda, Zambia, Bangladesh, India, Pakistan, Philippines & Lebanon.

Zone 2 Europe include Zone 1, Zone 2 & Zone 3: South Africa, France, Spain, Sweden, Norway, Germany, Finland, Poland, Italy, Romania, Belarus, Greece, Bulgaria, Iceland, Hungary, Portugal, Austria, Czechia, Serbia, Ireland, Lithuania, Latvia, Croatia, Bosnia and Herzegovina, Slovakia, Estonia, Denmark, Netherlands, Moldova, Belgium, Armenia, Albania, North Macedonia, Turkey, Slovenia, Montenegro, Kosovo, Azerbaijan, Cyprus, Luxembourg, Georgia, Andorra, Malta, Liechtenstein, San Marino, Monaco, Vatican City.

Zone 3 South America include Zone 1, Zone 2 & Zone 3: Bellize, Costa Rica, Cuba, Dominican Republic, El Savador, Guatemala, Guyana, Suriname, Haiti, Honduras, Jamaica, Mexico, Nicaragua, Panama, Saint Lucia, Argentina, Bolivia, Chile, Colombia, Ecuador, Paraguay, Peru, Uruguay, Venezuela.

Zone 4 Asia include Zone 1, Zone 2 & Zone 3:  Cambodia, Indonesia, Laos, Malaysia, Myanmar, Thailand, Timor-Leste, Vietnam, Mongolia, Armenia, Azerbaijan, Georgia, Kyrgyz Republic, Tajikistan, Uzbekistan, Afghanistan, Bhutan, Maldives, Nepal, Sri Lanka.

Zone 5 Gulf include Zone 1, Zone 2, Zone 3 & Zone 4: UAE (Abu Dhabi, Dubai, Sharja, Ajman, Umm Al-Quwain and Fujairah, Ras Al Khaimah), Saudi Arabia, Bharein, Koweit, Oman, Qatar.

Zone 6 Rest of the World include Zone 1, Zone 2, Zone 3, Zone 4 & Zone 5: China, Hong-Kong, Singapore, Japan, Canada, Brazil.

You are covered outside your area of cover for temporary stays of up to 60 days per trip, on the condition that the expenses incurred are due to an accident, an unexpected illness or an emergency. The coverage is no longer effective after 60 consecutive days outside your area of coverage.

Excluded countries: United States, United-Kingdom & Switzerland.

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