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The essential guide to your International Health Insurance

First Aid Kit
Benefits
& deductibles

Benefits 
& deductibles

Quick guide

How is the deductible calculated and applied each year?

Individual deductible

  • It’s amount that an insured must pay every PolicyYear for Covered Expenses

Individual deductible

  • A maximum of two deductibles will apply per policy year, regardless of the number of family members.

Individual deductible

  • Eligible expenses incurred during the last three months of your policy year can be applied toward the next policy cycle.

Can i receive a No-Claims Bonus?

Yes! If you haven’t submitted

any claims in the past 3 years, you may qualify for:

Deductible
reduction of up to

0 %

or less

$ 0

Which benefits have waiting periods?

Maternity

Availabe after 10 months

Bariatric surgery & weight loss medications

Availabe after 24 months

Surgery (Cancer Prophylactic risk reduction)

Availabe after 12 months

Treatment HIV/AIDS

Availabe after 24 months

For full details

Waht is the maximum annual benefit?

From

Up to

US

$ 1,000,000

US

$ 10,000,000

depending on your selected plan

For full details

Which benefits are available without applying your deductible?

  • Emergency care outside your country
  • Preventive checkups
  • Maternity care (when applicable)
  • Repatriation services
  • Ground transportation

And more!

For full details