Globality CoGenio® Corporate health insurance solutions for expatriate employees
NEW
ility e flexib ructur More g in st ic r p New
Globality Health The experts for expatriates Globality Health is the international health insurer with a special focus on expatriates. Our approach is based on sound client portfolio management based on a long-term perspective, solid data and market expertise. The growing success of our individual and corporate plans clearly indicates that this approach is on track.
As part of Munich Health, we give you the strength and
Globality Health standards
security of a leading global primary insurer and reinsurer. Under the Munich Health brand, Munich Re pools its primary
Product
insurance and reinsurance operations, as well as related
With Globality CoGenio® you profit from flexible under-
services in international healthcare business. We draw on
writing solutions, high-level products with comprehensive
experience gained throughout the world in health insurance
inpatient, outpatient and dental insurance cover around
and reinsurance over a period of more than 80 years.
the globe.
Over 3,000 experts at locations worldwide use this wealth of
Service
knowledge to offer our international clients innovative
Globality Health takes international healthcare to a new
solutions, individual consulting and services. This enables
level with Globalites®, an integrated international loca-
us to develop cutting-edge solutions for one of the industry’s
tion based assistance provider. This worldwide network of
fastest-growing markets.
high-quality healthcare assistance offers direct access to
local expertise, seamless service and first-class care.
Munich Re as a group stands for exceptional solution-based expertise, consistent risk management, financial stability and
Financial stability
client proximity. Some 40 million clients in over 30 countries
As part of Munich Re, Globality Health has the full financial
place their trust in the services and security Munich Re pro-
backing of one of the most reliable insurance groups in the
vides.
world. Munich Re holds A-ratings from Standard & Poor’s, AM Best, Fitch Ratings and Moody’s.
Top protection for your employees Compliance When it comes to healthcare, your employees deserve nothing
Globality Health follows the highest standards of business
but the best. The Globality CoGenio® plan offers premium
ethics. A dedicated team of experts provides the security
health insurance with comprehensive inpatient, outpatient
of evaluating all aspects of compliant business solutions for
and dental cover, flexible underwriting and market leading
Globality Health’s clients worldwide.
assistance whenever and wherever they are needed. Worldwide care with the highest standards First-class advice and organisational support are at the heart of our international services for your employees and their families, both when providing benefits and when dealing with general enquiries.
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Globality CoGenio®
Globality CoGenio® Corporate health insurance solutions tailored to your needs Globality CoGenio® offers three carefully designed plan levels – from our Classic plan with attractive premiums, up to our Top plan for those needing the most comprehensive cover. With inpatient, outpatient, dental care and special assistance services as modules within each plan, your cover can be tailored to suit your company’s needs. Simply choose the options that serve your employees best.
For a maximum of flexibility, Globality CoGenio® plan levels can be adapted to your corporate needs:
Inpatient Classic
Top
Top
Plus
Plus
Outpatient Classic
Plus Classic Classic
Plus Plus
Classic Plus
Plus
Top Top Classic
Example A
Top
Dental
Plus Classic
Example B
Plus
Example C
Top Plus
Assistance Classic
Product highlights
Unlimited cover No waiting periods
No cash limit for medical evacuation and repatriation
Cancer treatment covered on all levels
Accidental dental treatment and pain relief available on all plan levels
Enhanced wellbeing benefits
No minimum or maximum age restrictions
Globality CoGenio®
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The Plan Levels Globality CoGenio®
Globality CoGenio® Three plan levels – optimal care In addition to tailored solutions Globality CoGenio® comprises three plan levels: Classic, Plus and Top. The individual plan levels offer different combinations and levels of benefits. The following table of benefits is an extract of the complete scope of benefits and services. All amounts apply per person per insurance year unless otherwise indicated. Please refer to the General Conditions of Insurance (GCI) for detailed information.
Benefits
Classic
Plus
as a life-saving measure
as a life-saving measure
Top
Inpatient treatment Acommodation in a private or a semi-private room Medical treatment Nursing care Outpatient surgery instead of inpatient treatment Drugs and dressings Physiotherapy incl. massages Therapies, i.e. ergotherapy Therapeutic aids and appliances
Maternity care and childbirth up to € 5,000 / $ 6,500 / £ 4,200
Chemotherapy, oncological drugs and treatment up to € 50,000 / $ 65,000 / £ 42,000
up to € 100,000 / $ 130,000 / £ 84,000
Transport to the nearest suitable hospital for initial treatment following an accident or an emergency Bone marrow and organ transplants up to € 200,000 / $ 260,000 / £ 168,000 for the duration of the group contract
Psychiatric treatment Inpatient psychotherapy Parent accommodation Nursing care at home and domestic help up to 7 days not covered
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up to 14 days
covered/paid in full
Globality CoGenio®
The Plan Levels Globality CoGenio®
Classic *
Benefits
Plus
Top
€ 50 / $ 65 / £ 42 per day
€ 100 / $ 130 / £ 84 per day
up to 14 days
up to 21 days
Inpatient treatment (cont.) Substitute hospital cash plan benefit
Inpatient follow-up rehabilitation
Hospice up to 7 weeks
Outpatient treatment Medical treatment Chemotherapy, oncological drugs and treatment Screenings for early detection of illnesses, e.g. cancer up to € 250 / $ 325 / £ 210
up to € 500 / $ 650 / £ 420
Vaccinations up to € 250 / $ 325 / £ 210
Maternity care and childbirth up to € 2,000 / $ 2,600 / £ 1,680
Acupuncture, homeopathy, osteopathy and chiropractic treatment up to € 500 / $ 650 / £ 420
up to € 1,000 / $ 1,300 / £ 840
up to 20 sessions
up to 20 sessions
Speech therapy Psychiatric treatment Outpatient psychotherapy
Drugs and dressings Therapies / physiotherapy Therapeutic aids and appliances up to € 2,000 / $ 2,600 / £ 1,680
Vision aids up to € 100 / $ 130 / £ 84
up to € 200 / $ 260 / £ 168
50% up to € 7,500 / $ 9,750 / £ 6,300 per insured couple for the duration of the group contract
50% up to € 15,000 / $ 19,500 / £ 12,600 per insured couple for the duration of the group contract
Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency Infertility treatment
not covered
Globality CoGenio®
covered/paid in full
*Classic: With a deductible of € 250/ $ 325/ £ 210 per insured person and insurance year.
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The Plan Levels Globality CoGenio®
Benefits
Classic
Plus
Top
pain relief treatment
including inlays
including inlays
Reimbursement of 50% for the following benefits if needed as a result of an accident
Reimbursement for the following benefits up to € 2,000 / $ 2,600 / £ 1,680
Reimbursement for the following benefits up to € 5,000 / $ 6,500 / £ 4,200
up to 4 implants per jaw and the dentures to be secured to these implants
up to 4 implants per jaw and the dentures to be secured to these implants
up to 4 implants per jaw and the dentures to be secured to these implants
up to € 2,500 / $ 3,250 / £ 2,100
up to € 5,000 / $ 6,500 / £ 4,200
up to € 10,000 / $ 13,000 / £ 8,400
up to € 1,500 / $ 1,950 / £ 1,260
up to € 3,000 / $ 3,900 / £ 2,520
Dental treatment Basic dental services Screenings Dental treatment
Major dental services
Dentures (i.e. prostheses, bridges and crowns) Implants
Orthodontic treatment Dental laboratory work and materials Treatment plan
Medical assistance Medical evacuation and repatriation Support and information Support in case of bereavement, share of repatriation costs
Online services
Additional assistance Organizing visits for a relative to the patient
Procurement and shipment of vital medication Organizing return transport or care for the children
not covered
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covered/paid in full
Globality CoGenio®
Our Global Service Network Globalites®
Globalites Our global network of Healthcare Service Satellites ®
Globality CoGenio® gives you security knowing that your employees are in the best of hands whatever happens, wherever they are in the world. Our international location-based network, Globalites®, ensures that your employees and their co-insured families can count on a reliable partner who will deal directly with doctors and hospitals, as well as monitoring treatment in the case of unforeseen events.
In order to provide your employees with excellent and unified service while abroad, Globality Health has established an international location-based service and assistant concept unified under one brand: Globalites®. Globalites®, Globality Health’s worldwide network of Healthcare Service Satellites offers direct, multilingual 24/7 access to local expertise, direct billing options and first-class care. Our ambition is to give insured persons immediate access to high-quality medical services wherever they are in the world.
Assistance highlights
All Globalites® are familiar with the local healthcare systems and regional structures. They will recommend doctors and hospitals, make appointments or procure medication. Globalites® all over the world work on a common IT platform and follow unified processes that always grant the same level of service to all our international customers and direct access to worldwide best practice. If you relocate an employee from one location to another, he or she will still have a Globalite close at hand – seamless service guaranteed.
Worldwide assistance and international experience Local experts, on the ground available to help you and your employees 24 hours a day, 365 days a year Direct settlement with medical providers Complete medical evacuation should the necessary facilities not be available locally Worldwide shipment of vital medication
Globality CoGenio®
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Your Broker:
Globality Health Get in touch with us today Call our experienced consultants for detailed offers and to discuss your company scheme. Your personal expert will guide you through our benefits and reimbursement process, as well as the services making stays abroad easier.
Lines are open Monday to Friday: 8am to 5pm (CET) Phone +352 270 444 22 11 Or contact us anytime at: E-mail
[email protected]
01.14
Globality S.A. 13, rue Edward Steichen L-2540 Luxembourg www.globality-health.com R.C.S. Luxembourg B134471
