Family Coverage
You can support your team members by directly covering their dependents. Note that the final cost for family coverage may vary based on the number of dependents an employee adds.

You pay: 

• Employee Only: €45.40/mo
• Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €45.40/mo.
• Family coverage (children < 18): Each dependent costs €35.96/mo.

Employee pays: 

• If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
• For Family coverage, the employee pays nothing.

You pay: 

• Employee Only: €51.81/mo
• Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €51.81/mo.
• Family coverage (children < 18): Each dependent costs €41.76/mo.

Employee pays: 

• If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
• For Family coverage, the employee pays nothing.

You pay: 

• Employee Only: €76.33/mo
• Family coverage (spouse/partner, children 18 to < 24): Each dependent costs €76.33/mo.
• Family coverage (children < 18): Each dependent costs €62.08/mo.

Employee pays: 

• If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
• For Family coverage, the employee pays nothing.

In-patient

Insured amounts: 50,000 Eur

• In-network Coverage: 90% paid by insurer; 10% paid by employee, min - 250 Euro, max - 500 Euro
• Out-of-network Coverage: 50% paid by insurer; 50% paid by employee

Same as Basic Plan

Same as Basic Plan

Childbirth and delivery

Insured amounts: 2,500 Euro

• In-network Coverage: 90% paid by insurer; 10% paid by employee
• Out-of-network Coverage: 50% paid by insurer; 50% paid by employee

Same as Basic Plan

Same as Basic Plan plus increased insured amount:

Insured amounts: 3,000 Euro

Out - patient

Insured amount: 2,000 Euro

In-network Coverage:

• Medical appointments: 18,50 Euro paid by employee
• Emergency medical appointments: 45 Euro paid by employee
• Exams: 10% min paid by employee
• Physiotherapy: 10 Euro/session paid by employee (up to 500 Euro)
• Speech therapy and kinesiotherapy: 10 Euro/session paid by employee (up to 6 sessions)
• Other exams and expenses: 90% paid by the insurer, 10% paid by employee;

Out-of-network Coverage:

• Medical appointments: Max amount reimbursed per appointment is 35 Euro
• Emergency medical appointments: Max amount reimbursed per appointment is 45 Euro
• Physiotherapy: 35% paid by insurer; 65% paid by employee (up to 500 Euro)
• Speech therapy and kinesiotherapy: 35% paid by insurer; 65% paid by employee (up to 6 sessions)
• Other exams and expenses: 50% paid by insurer; 50% paid by employee

Same as Basic Plan

Same as Basic Plan plus increased insured amount:

Insured amounts: 5,000 Euro

Dental Insurance

Insured amount: 500 Euro

• In Network - Visits: 10 Euro per medical act paid by employee
• Other Expenses - In Network: 80% paid by insurer; 20% paid by client
• Out Network coverage: 50% paid by insurer; 50% paid by employee

Same as Basic Plan

Same as Basic Plan plus increased insured amount:

Insured amount: 1,000 Euro

Prostheses and orthotheses (Includes Vision Insurance)

N/A

• Total insured amount: 1000 Euro
• Vision Insured amount: 250 Euro - 80% paid by insurer; 20% paid by client
• Covers: The cost-sharing of expenses for glasses and contact lenses, orthopedic and auditory prostheses and orthoses, and the rental or purchase of wheelchairs and adjustable beds.
• This coverage only works outside of the network, so through the request of reimbursements.

Same as Standard Plan

Medicines

N/A

N/A

• Insured amounts: 250 Euro - 80% paid by insurer; 20% paid by client
• Covers: Reimbursement of expenses incurred for medications, registered with INFARMED or similar entities, provided they are prescribed by a doctor.
• Deductible per revenue 3 EUR
  

Serious illness

N/A

N/A

• Insured amount: €1,000,000
• Covers: This coverage ensures, up to the fixed amount specified in the General and Special Conditions, the payment of expenses incurred by the Insured Person for diagnoses, treatments, hospitalizations, services, or medical prescriptions deemed clinically necessary, when these are a result or consequence of any of the Critical Illnesses or clinical situations as indicated in the Special Condition.
  This is applicable only if the first symptoms and their respective diagnosis occur during the coverage period, following the expiration of the waiting period. 

Covered Diseases under Serious Illness Coverage:

Treatment of cancer, including in-situ cancer and pre-cancerous conditions (excluding tumors related to HIV, skin cancer except malignant melanoma, and papillary bladder cancer).
Neurosurgery: surgical intervention on the skull or other intracranial structures, and treatment of benign tumor located in the spinal cord.
Coronary artery bypass surgery (myocardial revascularization) involving at least 2 coronary arteries.
Replacement of a heart valve (valve repair is excluded).
Organ transplantation: transplantation of organs from a living donor and transplantation of organs from a deceased donor, including the heart.

Grace Periods

According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage.
The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby.

• Hospitalization: 90 days
• Birth: 365 days
• Outpatient assistance: 90 days
• Dental: 90 days

According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage.
The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby.

• Hospitalization: 90 days
• Birth: 365 days
• Outpatient assistance: 90 days
• Dental: 90 days
• Prostheses & Vision: 90 days

According to Remote’s policy, no grace periods will be applied to employees, except for the Serious Illness coverage.
The employee’s family unit may also be exempt as long as it is added on the employee’s starting date or during the qualifying life event timeline in case of getting married or having a baby.

• Hospitalization: 90 days
• Birth: 365 days
• Outpatient assistance: 90 days
• Dental: 90 days
• Prostheses, Vision: 90 days
• Medicines: 90 days
• Serious illness: 180 days [This grace period will always apply]