BeHealthy Healthcare Plans

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 Benefits

Select your BeHealthy plan level:

Level 1 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive health care.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram/breast examination, routine gynaecological tests incl. PAP tests, testicular/prostate exam /PSA/DRE tests, Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Confidential, multilingual, 24/7 professional support. Topics covered include: relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment which must be clinically significant and not related to work pressure, bereavement, relationship, acculturation difficulties or academic difficulties.

Oncology Treatment

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.

Diagnostic tests

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.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible in-patient or day-patient treatment which is deemed medically necessary.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical /psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions, chronic conditions and much more.

Assistance & Security Services

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 & Repatriation 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.

World Watch® Global Security Intelligence

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe.

Medical Intelligence Reports

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.

Travel Security Manager

An online risk management tool that allows the employer to locate and communicate with employees travelling around the world with the click of a mouse.

Out-patient Plan

Medical Practitioner Fees & Specialist Fees

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.

Prescriptions Drugs

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.

Lab/Diagnostic and Pathology tests

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.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy, cognitive rehabilitation therapy, physiotherapy, chiropractic, osteopathy, and podiatry.

Durable Medical Equipment & Prosthesis

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.

Minor Surgical & Non-Surgical Procedures

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.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with wellbaby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment, annual examination, tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures, the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Level 2 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive health care.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram/breast examination, routine gynaecological tests incl. PAP tests, testicular/prostate exam /PSA/DRE tests, Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Confidential, multilingual, 24/7 professional support. Topics covered include: relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

Maternity Benefits

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.

Oncology Treatment

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.

Diagnostic tests

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.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment which must be clinically significant and not related to work pressure, bereavement, relationship, acculturation difficulties or academic difficulties.

Second Medical Opinion

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.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible in-patient or day-patient treatment which is deemed medically necessary.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical /psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.

Assistance & Security Services

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 & Repatriation 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.

World Watch® Global Security Intelligence

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe.

Medical Intelligence Reports

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.

Travel Security Manager

An online risk management tool that allows the employer to locate and communicate with employees travelling around the world with the click of a mouse.

Out-patient Plan

Medical Practitioner Fees & Specialist Fees

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.

Prescriptions Drugs

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.

Lab/Diagnostic and Pathology tests

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.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy, cognitive rehabilitation therapy, physiotherapy, chiropractic, osteopathy, and podiatry.

Durable Medical Equipment & Prosthesis

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.

Minor Surgical & Non-Surgical Procedures

Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis. Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy.

Vision/Optical

One routine eye exam and hardware purchase per year including the purchase of vision hardware, contact lenses, eye glass frames and eyeglass lenses, and bifocals.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy out-patient treatment which must be clinically significant and not related to work pressure, bereavement, relationship, acculturation difficulties or academic difficulties.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with wellbaby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment, annual examination, tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures, the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Periodontics

Dental services which are related to treating gum disease.

Orthodontic treatments and dental prostheses

Use of dental prostheses and/or appliances to correct malpositioned, crowded, and misaligned teeth and jaws, new or repair of bridge work, crowns, or upper or lower dentures, inlays, onlays, adhesive restorations or reconstructions and dental implants.

Level 3 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive health care.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram/breast examination, routine gynaecological tests incl. PAP tests, testicular/prostate exam /PSA/DRE tests, Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Confidential, multilingual, 24/7 professional support. Topics covered include: relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

Maternity Benefits

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.

Oncology Treatment

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.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment which must be clinically significant and not related to work pressure, bereavement, relationship, acculturation difficulties or academic difficulties.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Diagnostic tests

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.

Second Medical Opinion

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.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible in-patient or day-patient treatment which is deemed medically necessary.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical /psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.

Assistance & Security Services

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 & Repatriation 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.

World Watch® Global Security Intelligence

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe.

Medical Intelligence Reports

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.

Travel Security Manager

An online risk management tool that allows the employer to locate and communicate with employees travelling around the world with the click of a mouse.

Out-patient Plan

Medical Practitioner Fees & Specialist Fees

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.

Prescriptions Drugs

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.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy out-patient treatment which must be clinically significant and not related to work pressure, bereavement, relationship, acculturation difficulties or academic difficulties.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy, cognitive rehabilitation therapy, physiotherapy, chiropractic, osteopathy, and podiatry.

Durable Medical Equipment & Prosthesis

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.

Minor Surgical & Non-Surgical Procedures

Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis. Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy.

Vision/Optical

One routine eye exam and hardware purchase per year including the purchase of vision hardware, contact lenses, eye glass frames and eyeglass lenses, and bifocals.

Infertility

In-patient, day-patient or out-patient infertility treatment charges made by a licensed physician for infertility services for an employee or their spouse, who are under the age of 40 years old.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with wellbaby cover provided across all plans and optical/vision and infertility benefits provided on the higher tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment, annual examination, tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures, the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Periodontics

Dental services which are related to treating gum disease.

Orthodontic treatments and dental prostheses

Use of dental prostheses and/or appliances to correct malpositioned, crowded, and misaligned teeth and jaws, new or repair of bridge work, crowns, or upper or lower dentures, inlays, onlays, adhesive restorations or reconstructions and dental implants.