Adding a cost-sharing waiver is allowed when you join the plan or later on, at the beginning of each calendar year.
By logging into the Self Service Website or App, you can find out exactly what’s included in your insurance plan.
Yes. The deductible is applied per year from January to December. The deductible amount is determined by the plan type and country of destination. We also have an optional rider that can be added for an extra monthly fee, which will eliminate the need to pay a deductible.
Medical conditions which are not covered by the policy are specified in the policy under “Exclusions and Restrictions to the Policy”. For example, the following medical conditions are not covered: accidents or injuries sustained during military service, selective abortion with no medical grounds, injury sustained from extreme sports activities, dental care, and more.
UCR stands for: “Usual, Customary & Reasonable” and refers to the amount paid for a medical service in a geographical area, based on what providers in the area usually charge for the same or similar medical service. UCR rates are used to determine what amount of a medical bill your insurance plan will cover, when you receive care from providers which do not appear on the list of preferred providers. It is highly recommended to contact the customer service department, in advance, for an assessment of the expected refund for the required treatment. This way, you’ll avoid the unnecessary aggravation of paying an expense deemed unreasonably high by local accepted standards.
Yes. Your copay depends on the plan you choose and your country of destination. Deductibles are calculated on a yearly basis.
Absolutely. The expenses for pregnancy, childbirth and all postnatal care are covered, as defined in your plan, and following a 12-month waiting period from your joining date.