Gold Plan - International Private Medical Insurance

Europe Coverage Area

Worldwide excluding USA

Worldwide including USA

Starting from

€126

per month

In-patient & Day-patient Benefits

Medical care that requires admission to a hospital. In-patient care involves overnight stays, while day-patient care means you can go home the same day after treatment.

Covered in full

Hospital accommodation (standard single en-suite room)
All medical expenses, nursing, drugs, and surgical charges
Organ transplants up to €200,000
Psychiatric treatment up to €5,000 (28-day max)
Parent accommodation with child under 16

Cancer Benefits

Coverage for cancer-related treatments, including diagnostics, therapy, and ongoing care support.

Covered in full

Oncology tests, chemotherapy, radiotherapy
Chronic cancer monitoring within limits
Palliative/terminal care covered

Out-patient Benefits

Medical care that doesn't require an overnight stay in a hospital. This includes consultations, tests, and treatments where you visit the hospital or clinic and leave the same day.

Up to €2,500

Medical consultations and drugs
Diagnostic tests and scans covered in full
Physiotherapy sublimited to €500
Alternative therapies sublimited to €500
Health checks up to €200

Chronic Conditions

Long-term health conditions that require ongoing management and regular medical attention.

Up to €30,000

Acute episodes covered within normal benefits
Ongoing monitoring up to lifetime limit
Regular reviews and medication within limits

Maternity Benefits

Coverage for pregnancy-related care, childbirth, and newborn care services.

Up to €2,500

Normal pregnancy and childbirth
Complications up to €2,500
Birth defects up to €10,000
Newborn care covered in full

Dental Benefits

Coverage for dental procedures, from routine check-ups to emergency dental care.

75% up to €500

Routine treatment coverage
Emergency treatment within annual limit
Surgical procedures covered
In-patient emergency dental in full

Emergency & Travel

Coverage for urgent medical care when traveling and emergency medical situations.

Up to €30,000

Treatment outside area (max 30 days)
Medical evacuation covered in full
Compassionate visits covered in full

Additional Benefits

Extra healthcare services that complement your main coverage.

Up to €1,500

Home nursing coverage
Local ambulance covered in full
Hormone replacement up to €250

Terminal Illness

Coverage for end-of-life care and support services for terminal conditions.

Up to €30,000

Palliative care lifetime limit
End-stage treatment coverage
Support services included

Evacuation & Repatriation

Coverage for medical transport to appropriate facilities and return to home country when necessary.

Covered in full

Emergency evacuation coverage
Return transportation included
Accommodation costs when necessary
Repatriation of remains covered

Moratorium Underwriting

This policy is underwritten on a moratorium basis. Pre-existing conditions from the last 5 years will be excluded initially but may become eligible for coverage if you remain symptom, treatment, and advice-free for 2 continuous years after the policy start date.