Our comprehensive suite of international “BeHealthy” health care plans which are sold in Europe provide important features that deliver value to expatriates. By combining the three pillars in the plan design we help employers manage costs and reduce their administrative burdens; manage their risk and compliance requirements more seamlessly; and promote the health and well-being of their employees who live and travel abroad. The modular plans design offers flexibility and consists of a Core plan module, the Outpatient plan module or the Dental plan module.
Download Schedule of BenefitsOur comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.
Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.
Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.
Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.
Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.
Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.
Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.
Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.
Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.
For employees and their families providing exceptional cover for oncology, congenital conditions, chronic conditions and much more.
We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.
Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.
All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.
Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.
Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.
Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.
General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.
Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.
Includes pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.
Digital healthcare and telemedicine service that facilitates a consultation with a doctor through a desktop or mobile device for non-emergency minor medical conditions.
Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.
Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.
Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.
Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.
Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.
Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.
Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.
Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.
Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.
Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.
Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.
Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.
Option to request one second medical opinion by another physician to confirm the diagnosis and treatment of a primary physician or to offer an alternative diagnosis and or treatment.
Pre and post-natal procedures, drugs and dressings, specialist and consultant’s fees, accommodations, and other costs associated with a normal pregnancy and delivery, stem cell storage, complications of pregnancy and childbirth and newborn care.
Skilled Care nursing received immediately after, or instead of, eligible In-patient or day-patient treatment which is deemed medically necessary.
For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.
We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.
Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.
All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.
Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.
Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.
Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.
General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.
Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.
Includes pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.
Alternative and Complementary Medicine Services / Therapies refers to therapeutic and diagnostic interventions delivered outside of conventional medicine. Such medicine services include Chiropractic, Osteopathy and Podiatry, Acupuncture, Acupressure, Ayurveda and Traditional Chinese Medicine.
Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.
Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.
Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.
Routine dental treatment & annual examination including tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.
Tooth related surgical procedures such as the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.
Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.
Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.
Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.
Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.
Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.
A registered and qualified healthcare professional who assesses diet and nutritional status and provides evidence-based advice on all aspects of nutrition and diet.
Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.
Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.
Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.
Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.
Option to request one second medical opinion by another physician to confirm the diagnosis and treatment of a primary physician or to offer an alternative diagnosis and or treatment.
Pre and post-natal procedures, drugs and dressings, specialist and consultant’s fees, accommodations, and other costs associated with a normal pregnancy and delivery, stem cell storage, complications of pregnancy and childbirth and newborn care.
Skilled Care nursing received immediately after, or instead of, eligible In-patient or day-patient treatment which is deemed medically necessary.
For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.
We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.
Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.
All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.
Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.
Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.
Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.
General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.
Psychiatric or Psychotherapy out-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.
Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.
Alternative and Complementary Medicine Services / Therapies refers to therapeutic and diagnostic interventions delivered outside of conventional medicine. Such medicine services include Chiropractic, Osteopathy and Podiatry, Acupuncture, Acupressure, Ayurveda and Traditional Chinese Medicine.
Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.
Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.
Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.
Routine dental treatment & annual examination including tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.
Tooth related surgical procedures such as the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.