Expats health insurance for corporate groups from 3 employees

Expat health corporate insurance provides medical coverage for overseas employees, supporting global companies’ staff well-being and retention.

INTERNATIONAL HEALTH INSURANCE BENEFITS

INCLUDED BENEFITS IN BASIC COVER

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INPATIENT *

Basic cover includes the following INPATIENT* (overnight hospital stay or outpatient surgery) benefits:

  • Inpatient treatment charges
  • Emergency dental treatment
  • Reconstructive surgery
  • Inpatient psychiatric treatment
  • Palliative care
  • Complications of pregnancy**
  • Hospital accommodation
  • Parent hospital accommodation
  • Land ambulance transportation
  • Home care
  • Outpatient surgery
  • Post-surgical treatment (within 30 days post hospitalisation)
  • Rehabilitation (within 30 days post hospitalisation)
 

OUTPATIENT

Cover includes the following OUTPATIENT benefits:

  • General practitioner & specialist consultations
  • Emergency dental treatment & minor surgery
  • Prescribed laboratory test, X-rays & advanced medical imaging
  • Prescribed medicines, mandatory or prescribed vaccines
  • Medical prostheses */**
  • Allied healthcare professionals *
  • Alternative medicines
  • Psychology medicines**

Conditions covered*:

  • Kidney dialysis
  • Cancer treatment
  • Organ transplant
  • HIV/AIDS
  • Pandemic, epidemic & endemics coverage

 

WELLNESS

Cover includes the following WELLNESS benefits:

  • Routine health check-ups
  • Screening tests
  • Non prescribed testing
  • Non prescribed vaccines

 

TELEMEDICINE

TELEMEDICINE by Teledoc:

  • Connect 24/7 with a doctor for non-emergency conditions like cold and flu, sinus infections, allergies and more.
  • Ask an expert for second medical opinion on your diagnosis and recommended treatment.

EMERGENCY ASSISTANCE, EVACUATION & REPATRIATION

International medical assistance services in the event of an illness, an accident or death of a beneficiary.

This includes but not limited to: 

  • Transfer of the beneficiary to a suitable medical care centre located in the country of expatriation, nearby country or country of nationality
  • Dispatch of a doctor to site
  • Transport ticket for accompanying person in the event of sanitary transportation or repatriation of the beneficiary
  • Return ticket in case of death of close relative

OPTIONAL BENEFITS TO ADD

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DENTAL CARE**

Dental care (with 8 month waiting period) includes the following benefits:

1. Preventive & routine dental treatments:

  • Dental check-ups
  • X-rays/bitewing/single view/orthopantomogram
  • Gum shields/mouth guards
  • Fillings
  • Root canal treatment
  • Tooth extraction
  • Tooth cleaning
  • Non-surgical periodontal treatment
  • Anaesthetic

2. Major restorative dental treatments*:

  • Dentures (acrylic/synthetic, metal and metal/acylic)
  • Crowns, inlays and onlays
  • Dental implants
  • New or repair bridge work
  • Removal of solid odontomas
  • Apicectomy

3. Orthodontic treatment* provided that treatment starts before the child’s 16th birthday.

VISION CARE**

!!! Vision care is only available if dental care is selected.

Vision care (with 6 month waiting period) includes the following benefits:

  • Corrective contact lenses, corrective spectacle lenses & frames
  • Laser eye surgery

MATERNITY CARE & FERTILITY TREATMENT**

13 months waiting period (24 months for fertility treatment)

Cover is available for the following benefits:

  • Pre & Post natal care
  • Childbirth-related expenses
  • Emergency caesarian section
  • Artificial insemination, in vitro fertilisation

 

* Prior agreement required
** Waiting periods apply

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