| DEDUCTIBLE OR CO-PAYMENT IN OUT-PATIENT CARE AND ONE-DAY-CLINIC | 100 | 100 |
| DEDUCTIBLE HOSPITALIZATION (MINIMUM ONE DAY) | 0 | 0 |
| HOSPITALIZATION | 100% | 100% |
| OUTPATIENT SURGERY | | | |
| EMERGENCY DENTAL BENEFIT | ACCIDENTAL | 100% UP TO 500 | 100% |
| EMERGENCY VISION BENEFIT | ACCIDENTAL | 100% UP TO 500 | 100% |
| OUTPATIENT BENEFIT | PHYSICIAN AND SPECIALIST CONSULTATIONS, PRESCRIBED MEDICINES AND DRUGS, MEDICAL IMAGING, DIAGNOSTIC AND LABORATORY TESTS, PRESCRIBED MEDICAL AIDS AND SURGICAL APPLIANCES | 80% | 100% |
| PREVENTIVE CARE AND EXAMINATIONS | NC | 100% UP TO 600 |
| HEARING PROSTHESIS | NC | 100% UP TO 300 |
| COMPLEMENTARY / ALTERNATIVE MEDICINE | NC | 100% UP TO 1,500 |
| LOCAL AMBULANCE BENEFIT | | 80% | 100% |
| PRIVATE NURSING BENEFIT | INPATIENT IN HOSPITAL | 80% | 100% |
| PALLIATIVE CARE | 80% | 100% |
LABOUR AND MATERNITY
(AFTER 10 MONTHS WAITING PERIOD) *
| PREGNANCY, LABOUR, TREATMENT BEFORE AND AFTER BIRTH
COMPLICATIONS OF PREGNANCY
| 100% UP TO 1,000 | 100% UP TO 3,000 |
| MENTAL AND BEHAVIORAL DISORDERS LINKED TO AN ACCIDENT DURING WORK PERIOD (PERIOD ON LEAVE NOT COVERED) | OUTPATIENT TREATMENT
PER INSURED PERSON AND PER POLICY PERIOD
| 80% UP TO 10 SESSIONS | 100% UP TO 10 SESSIONS |
| AIDS/HIV BENEFIT | 80% | 100% |
|
| DENTAL CARE (USD/EUR/GBP) | STANDARD MLC
UP TO 600
| PERFECT
UP TO 3,000
|
| ROUTINE DENTAL TREATMENT = DENTAL EXAMINATIONS, TOOTH EXTRACTIONS, TOOTH CLEANING, NORMAL COMPOUND FILLING, ROOT CANAL TREATMENT, PARADENTAL TREATMENT, PARADONTOSIS TREATMENT, GUM TREATMENT, AND X-RAY EXAMINATION. | 80% | 100% |
| MAJOR RESTORATIVE DENTAL TREATMENT = REMOVAL OF IMPACTED, BURIED OR UNERUPTED TEETH, REMOVAL OF SOLID ODONTOMES, AND APICECTOMY | 50% | 60% |
| DENTAL PROSTHESIS = CROWNS, INLAYS, ONLAYS, ADHESIVE RECONSTRUCTIONS/RESTORATIONS, BRIDGES, DENTURES AND IMPLANTS AS WELL AS ALL NECESSARY AND ANCILLARY TREATMENT AND REPAIRS REQUIRED | 50% | 60% |
| ORTHODONTIC TREATMENT IN CASE OF ACCIDENT | NC | 50% |
|
| VISION CARE (USD/EUR/GBP) | STANDARD MLC
UP TO 300
| PERFECT
UP TO 1,500
|
| VISION TREATMENT = OPHTHALMIC EXAMINATIONS AND TREATMENTS | 80% | 80% |
| OPHTHALMIC SURGERY = LASER EYE SURGERY, CATARACT SURGERY, GLAUCOMA SURGERY, CANALOPLASTY, REFRACTIVE SURGERY, CORNEAL SURGERY, VITREO-RETINAL SURGERY, EYE MUSCLE SURGERY AND OCULOPLASTIC SURGERY | 80% IN CASE OF EMERGENCY | 80% / LIFETIME BENEFITS |
| OPTICAL DEVICES = MEDICALLY NECESSARY GLASSES, FRAMES AND CONTACT LENSES PRESCRIBED BY AN OPHTHALMIC PHYSICIAN | 80% | 80% |
|
| ASSISTANCE (USD/EUR/GBP) – REAL EXPENSES UP TO | STANDARD MLC | PERFECT |
| PERSONAL BELONGINGS - DEDUCTIBLE OF 75 PER EVENT | 3,500 | 3,500 |
| HOME REPATRIATION | 12,500 | 25,000 |
| MEDICAL EVACUATION FROM THE SHIP TO THE COAST | 12,500 | 25,000 |
| MEDICAL EVACUATION | 5,000 | 10,000 |
| VISIT TO AN ILL OR HOSPITALISED INSURED PERSON ABROAD | 2,000 | 2,000 |
| REPATRIATION OF THE MORTAL REMAINS AND FUNERAL COST | 12,500 | 25,000 |
EMERGENCY RETURN (GRANTED ONLY ONCE FOR THE SAME RELATIVE)
AMOUNT PER 12 CONSECUTIVE MONTHS
| 1,500 | 1,500 |
| TICKET FOR THE RETURN OF THE INSURED PERSON OR FOR A COLLEAGUE | 2,500 | 2,500 |
| MEDICAL ADVICE OVER THE PHONE | INCLUDED | INCLUDED |
| SECOND OPINION BENEFITS | INCLUDED | INCLUDED |
| COUNTRY GUIDES | INCLUDED | INCLUDED |
|
| LEGAL ASSISTANCE & THIRD PARTY LIABILITY (USD/EUR/GBP) (OPTIONAL) | REAL EXPENSE UP TO |
| LEGAL ASSISTANCE (DEDUCTIBLE OF 10% WITH A MINIMUM OF 250) | 15,000 |
| BAIL BOND | 50,000 |
| THIRD PARTY LIABILITY (DEDUCTIBLE OF 300 PER EVENT) | 1,000,000 |
