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: €45.44/mo
• Family coverage (spouse/partner, children): Each dependent costs €40.44/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: €62.28/mo
• Family coverage (spouse/partner, children): Each dependent costs €57.28/mo.

Employee pays: 

• Follows the same rule as the Local Standard Tier

You pay: 

• Employee Only: $113/mo
• Family coverage (spouse/partner, children): Ranges from $166 to $326/mo

Employee pays: 

• Follows the same rule as the Local Standard Tier.

You pay: 

• Employee Only: $142/mo
• Family coverage (spouse/partner, children): Ranges from $210 to $414/mo

Employee pays:

• Follows the same rule as the Local Standard Tier.

Inpatient Coverage

Cover Limit: No Limits (In Network)

Specific coverage for psychiatric admission on an inpatient basis for the treatment of acute outbreaks, up to 50 days per insured per year.

Same as the Local Standard Tier, with a limit of up to €1,500/year on Out-Network Psychiatric admission.

Cover Limit: $1M

Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay.

Same as the International Standard Tier.

Outpatient Coverage

Cover Limit: No Limits (In Network)

Specific coverage includes Psychology limited to 12 sessions/year and Podology limited to 15 sessions/year.

Same as the Local Standard Tier, with a limit of up to €200,000/year on Out-Network. Sub limits here

Cover Limit: $3,500

Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more.

Cover Limit: $5,060

Similar coverage as the Standard Tier.

Co-pay

None

None

None

None

Deductible

None

None

$135 (outpatient)

None

Dental Insurance

30 services included.
More than 170 services with exclusive discounts.
View more details about the Dental plan. Note that the services marked "Inc." are included, while others with specified prices are only available at the employee's expense.

Same as the Local Standard Tier

None

• Maximum Plan Benefit: $1,000
• Routine Treatment: 100% refund
• Preventative Treatment: 100% refund
• Major Restorative Treatment: 100% refund
• Periodontics: 100% refund

Waiting periods and pre-existing conditions

None

- None for Medical Insurance
- 3 months waiting period for Optics.

None

None

Vision Insurance

None

• Graduated contact lenses and graduated lenses. Frames excluded.
• 50% reimbursement up to 600 EUR per year.

None

• Glasses & Contact Lenses (Including Exams): $250

International coverage

Emergency coverage abroad (up to 90 days, €12,000/person/year)

Same as the Local Standard Tier

Health coverage extends globally (USA covered only for emergencies whilst traveling)

Same as the International Standard Tier

Employee Assistance Program (EAP)

15 Psychology sessions

Same as the Local Standard Tier

Includes access to multilingual mental health, legal, and financial counseling via phone, video, or in-person. Additionally, a wellness website, fitness app, and 24/7 support in multiple languages are provided.

Same as the International Standard Tier

Medical Claim Settlement Methods

This is how the healthcare expenses will be settled (cashless, reimburse or directly payments)

• In Network: Cashless
• Out Network: Not Applicable

• In Network: Cashless
• Out Network: 80% Reimbursement
  

Direct Settlement or Reimbursement

Same as the International Standard Tier