Your cover options
Health insurance requirements differ from country to country, and everyone has individual needs depending on their age and occupation. This is why we offer a flexible modular system that allows you to tailor your own insurance policy.
The Hospital Plan is the core cover providing comprehensive inpatient cover, and it can be taken out on its own or you can choose to add one or more of the following modules:
... Module 1 - Non-hospitalisation benefits
... Module 2 - Medicine & appliances
... Module 3 - Medical evacuation & repatriation
... Module 4A and 4B - Dental & Optical ( Module 4A / Module 4B / Supplementary options )
You can choose to take out your insurance:
... With or without a deductible. The deductibles available are EUR 350, 1.050, 4.000 and 8.000 / GBP 250, 750, 2.750 and 5.500 / USD 400, 1.600, 5.000 and 10.000
... Denominated in Euros, Pounds Sterling or US dollars. The chosen currency is binding, meaning that you cannot switch currency.
In the List of Reimbursements, you can see in detail which benefits are covered under the different modules, and how they can be combined to give you exactly the cover you want.
The compulsory Hospital Plan covers hospitalisation expenses such as hospital services, childbirth, organi transplant, rehabilitation and emergency room treatment. The annual insurance sum is EUR 1,500,000 / GBP 1,200,000 / USD 1,800,000
Module 1 - Non-hospitalisation benefits cover outpatient treatment such as general practitioners, specialists and other medical assistance 100% up to specific maximum amounts. The overall annual maximum for Module 1 is EUR 35,000 / GBP 25,000 / USD 35,000
Module 2 - Medicine & appliances are covered up to EUR 2,250 / GBP 1,500 / USD 2,500 per year. Hearing aids are covered 50% with specific maximum limits. Other appliances and medicine are covered 100% up to the annual maximum.
Module 3 - Medical evacuation & repatriation covers transportation to the nearest suitable place of treatment if you have a serious illness or injury. For instance, we will cover expenses for transportation by aeroplane or helicopter. Expenses for an accompany person are also covered.
Module 4A and 4B - Dental & Optical cover gives you the right to reimbursement of dental treatment, glasses and contact lenses. Routine dental treatment is covered 80% with maximum amounts. Special dental treatment is covered 50% up to an annual maximum. Glasses and contact lenses are covered 80% with specific maximum limits. The overall annual maximum for Module 4A is EUR 5,000 / GBP 3,500 / USD 5,000 and for Module 4B EUR 7,500 / GBP 5,000 / USD 7,500.
You have the possibility of enhancing your cover with Critical illness and / or Personal Accident plan. These plans are described in separate product guides.
Furthermore, you can take out Worldwide Travel Options in addition to an IHHP Plan and receive a discounted rate on Worldwide Travel Options. With an IHHP Plan, your medical expenses are of course covered on travels outside your country of residence, but by taking out Worldwide Travel Options you get extra travel benefits; eg next of kin accompaniment and repatriation if relatives at home get seriously, acutely ill. There is no deductible on Worldwide Travel Options. Your travel claims, if they would also be covered by this IHHP plan will count towards the annual deductible on the IHHP plan.
The Policy Conditions for Worldwide Travel Options are described in a separate product guide.
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