Will the prices increase strongly like the other market players?
No. All medical insurers apply crazy price increases at renewal time: 2% up to 70% or more per year moreover when you get older.
We do not, our prices have a very small adjustment between 1% and 3% every 3/5 years or even later.
When does my coverage begin?
Your coverage begins on the date you are accepted. This means your benefits can apply immediately after we have approved your application and received your payment.
After membership acceptance, waiting periods, as listed in the table of benefits may be applied if you do not previously hold a similar insurance.
What is the currency of the policy?
The currency of this policy is EUR, USD, GBP and Thai Baht (THB).
Can I add more people to the policy?
Yes. You may add:
1.Spouse -must be legally married, in civil partnership or permanently living in a similar relationship with the eligible member.
2.including the eligible member's own children, legally adopted children, step-children, foster-children and any other child who depends on the sole support of the eligible member. Eligible dependent children must also live with the eligible member in a customary parent-child relationship.
Conditions of age for all dependent children:
- Children under the age of 18 must be unmarried.
- Children between the age of 18 and 22 must be unmarried, in full time education, and depend solely upon the eligible member's expatriate's support.
- Newborn children must be enrolled within 25 days after the date of birth.
What we don't cover
There are some medical events that we do not cover. We believe they do not diminish the benefits of our plans and by excluding them we can make the plans more affordable for everyone.
*By excluding unnecessary risks (e.g. consequences of alcohol consumption) or expenses which are incurred due to personal preferences (e.g cosmetic treatment) - medical costs can be minimized; thus ensuring the long term stability and affordability of our plan for all our members.