Some highlights of this insurance:
- Direct payment processing with private hospitals is possible
- Annual limit between 100,000 USD – 1,000,000 USD (international)
- Choice of 3 different insurance zones (Asia, Europe+Asia, worldwide except USA)
- Standard single private room with full cover
- Premiums remain the same with increasing age
- Maximum premium increase of 3 % after a claim
- Cancer treatment is always insured (including outpatient treatment in the case of a purely inpatient policy)
- Free choice of hospital
- No maximum entry age
- Renewable for life
- Deductibles available to reduce the premium
- A waiting period of 14 days applies for medical expenses in connection with Covid-19
- Emergency cover outside the insurance zone for trips of up to 7 consecutive weeks (excluding USA)
Important note for applicants aged 64 and under
A medical examination is not required; a 6-month waiting period applies for certain illnesses (high blood pressure and cardiovascular diseases, all tumours, polyps or cysts, hernias, haemorrhoids, prostate diseases, diabetes, cancer, cholecystitis, cholelithiasis, urinary calculi).
Important note for applicants aged 65 and over
When you submit an application, you have two options to choose from:
- Application without a health check leads to a 12-month waiting period for certain illnesses (high blood pressure and cardiovascular diseases, all tumours, polyps or cysts, hernias, haemorrhoids, prostate disease, diabetes, cancer, cholecystitis, cholelithiasis, urinary calculi).
- Application with a health check (not older than 30 days) to determine the insurance cover for as yet unknown pre-existing conditions. (The waiting period for certain illnesses is then 6 months).
additional documents: