| ThinkCare Benefits | Major Risk |
|---|---|
| Annual limit per year & per person & life time coverage | $1,000,000/€1,000,000 |
| Hospital plan (hospital services during hospitalisation) | 6 -Zones of Cover: (Zone 1 Africa and Indian Sub-Continent, Zone 2 Europe + Zone 1, Zone 3 South America + Zone 1 & 2, Zone 4 Asia + Zone 1, 2 & 3, Zone 5 Gulf + Zone 1, 2, 3 & 4, Zone 6 + Zone 1, 2, 3, 4 & 5) |
| Accomodation standard in hospital overnight or as a day case | Private room max. $/€350 per day; Semi-private room Full refund |
| Parent accomodation with an insured child under 18 | Full refund |
| Day care treatment or out-patient surgery | Full refund |
| Nursing care | Full refund |
| Operating room, medecine & surgical dressing | Full refund up to 30 days |
| Prescribed drugs and materials | Full refund |
| MRI, PET & CT-PET scans | Full refund |
| Intensive care, intensive therapy, coronary care, dependency unit | Full refund |
| Surgical fees including anesthesia | Full refund |
| Reconstructive surgery following accident/eligible medical condition | Full refund |
| Specialist's consultations fees | Full refund |
| Diagnostic test - pathology X-rays | Full refund |
| Organ and bone marrow transplant services | Full refund |
| Pacemaker | Full refund |
| Dialysis | Full refund |
| Cancer treatment | Full refund |
| Terminal illness - palliative & hospice care (12 months waiting period) | Full refund up to $50,000/€50,000 |
| Psychiatric treatment (10 months waiting period) | Full refund |
| Recontructive surgery | Full refund |
| Rehabilitation | Full refund up to 60 days/condition |
| Nursing care at home | Full refund up to $100/€100/day max 30 days/condition |
| In-patient emergency dental care | Full refund |
| Local transport by ambulance | Full refund |
| Hospitalisation | Full refund up to $150/€150 per night |
| ThinkCare Benefits | Major Risk |
|---|---|
| Outpatient services (per year & per person) | Not covered |
| Pre and post hospitalisation consultations & diagnosis analysis within 60 days from the admission and 90 days post-hospitalisation | Full refund up to $5,000/€5,000 |
| General practitioner fees | Not covered |
| Specialist fees | Not covered |
| Day patient & out-patient surgery | Full refund |
| Lab test, X-rays, diagnostic & pathology test | Not covered |
| Prescribed medicine & drugs | Not covered |
| Psychiatry & psychotherapy (10 months waiting period) | Not covered |
| Prescribed medical aids | Full refund up to $1,500/€1,500/condition if post hospitalisation |
| ThinkCare Benefits | Major Risk |
|---|---|
| Chiropractic, osteopathy, homeopathy, acupuncture treatment, physiotherapy, traditional Chinese medicine by a recognised practitioner | Not covered |
| ThinkCare Benefits | Major Risk |
|---|---|
| Check-up including screening for early detection (full health screen, mammogram, Papanicolaou (PAP) test, prostate cancer screen) & vaccinations | Not covered |
| ThinkCare Benefits | Major Risk |
|---|---|
| In-patient treatment care & day care treatment (5 year waiting period) | Full refund |
| ThinkCare Benefits | Major Risk |
|---|---|
| Including glasses, frames, contact lenses, laser treatment (6 months waiting period) | Not covered |
| ThinkCare Benefits | Major Risk |
|---|---|
| Normal pregnancy and delivery costs (10 months waiting period) | Not covered |
| Complications of pregnancy and childbirth (10 months waiting period) | Not covered |
| Cover for new born baby | Full refund up to $100,000/€100,000 if added to the plan within 30 days |
| ThinkCare Benefits | Major Risk |
|---|---|
| Chronic conditions & pre-existing conditions | Full medical underwriting |
| ThinkCare Benefits | Major Risk |
|---|---|
| Routine dental treatment (check up, basic treatment) (9 months waiting period) | Not covered |
| Major restorative dental treatment including orthodontic, prostheses bridges, implants (9 months waiting period) | Not covered |
| ThinkCare Benefits | Major Risk |
|---|---|
| Medical Assistance - Evacuation - Repatriation | Euro-Center |
| Claims Administration - Process reimbursement | Euro-Center |
| Direct billing hospital | Yes |
| Annual deductible or per condition | None |
| Optional | Annual deductible Nil / $/€1,000 / $/€2,500 / $/€5,000 |