What should I do if I get sick or injured abroad?
In an emergency, contact the local emergency number. Once the situation is calm and you need further assistance, please check your insurance card for the contact information to our alarm center (phone/e-mail). The help is available 24/7.
You can also arrange your medical visit yourself, pay for it and make sure to get your receipts and medical reports - and then contact us afterwards to make your claim. You can easily report your claim here.
Do I need to pay the medical expenses at the clinic?
If you are in contact with our alarm center they might be able to place a guarantee of payment or pay the hospital/doctor directly. However in some countries, the clinics and doctors will not accept payment from others, and you will have to pay yourself and claim the costs afterwards. It is important that you keep all medical reports and receipts. You can upload this when you submit your claim to us.
Which clinics can I use abroad?
We recommend you to contact us for guidance. We will advise you of the nearest recommended clinic. The contact information for our alarm center is stated on the insurance card.
Do you cover dental treatment?
The insurance covers costs for temporary treatment of acute problems, regardless of their cause. Temporary treatment refers to treatments that are necessary to mitigate the situation until the emergency dental situation is over. Definitive measures, such as fillings, crowns, root canal treatment, and other long-term treatments or procedures are not reimbursed.
For non-acute and definitive measures please contact your employer for information about your insurance coverage.
Do you cover transport to/from the doctor/hospital?
Yes, the insurance covers expenses for transport to/from the doctor and or hospital with public transportation. We also cover transportation by ambulance in the acute phase.
Do you cover vaccinations?
The insurance covers necessary vaccinations during the expatriate assignment.
How do you cover pregnancy-related costs?
The insurance covers expenses relating to regular check-ups during pregnancy and costs in connection with childbirth. During a journey outside of the country of posting, the insured must follow the recommendations given by the airlines and treating health care providers regarding traveling with medical conditions (such as, during pregnancy or after operations).
What should I do if I need treatment while I am in my home country?
If you are in your home country and need care that can not wait, the insurance covers this. Planned care is usually only reimbursed in the country of placement. Contact us for guidance.