Expatline 2017 – what changes in the new plan 2017
Swisscare goal is to offer it’s clients with plans that are in accordance with the new market standards and with the best quality of services. We decided to update our Expatline plan with the following changes :
Like every year, the insurance premiums will be adjusted on the international health insurance market based on various parameters. One of those are the increase of the medical costs, the regional inflations, claims volume.
The premiums for the core plan and outpatient option will increase 11%, the maternity option 17.5% and 15% for the dental treatment option. This changes will apply on your next annual renewal date that occurs during the year 2017.
Compassionate Travel / family emergency travel
1 A compassionate travel ticket in economy class (12-month waiting period, with a lifetime limit of 1 claim only) is covered for those times when travel is a necessity due to a family member in a life-threatening situation.
2 A travel ticket in economy class is covered for one family member when travel is a necessity if the insured is in a life-threatening situation.
Definition of Family Members
Persons of a family relationship (related to you by blood or by law or otherwise). A full list of the family relationships falling within this definition is available on request. (spouse, parent, child, brother or sister)
Preventive care & check-up
Preventive care & Check-ups are now merged under one benefits. It is stated in the table of benefits 2017.
Maternity normal delivery
Under maternity the insurance sums for normal delivery are adapted as follow : Comfort 8000 and Premium 10000.
Maternity complicated delivery
Under maternity the insurance sums for complicated delivery are adapted as follow : Comfort 12000 and Premium 16000.
Maternity, pregnancy and delivery as a result of an IVF Treatment is not covered.
Travel Expenses to home country for childbirth
This benefit has been removed.
Chronic Disease and Pre-existing conditions
Chronic Disease and Pre-existing conditions are now merged under one benefit. It is stated in the table of benefits 2017.
Physiotherapy, Logopedics and Orthopedics
Under this benefit the sums are adapted as follow : Standard : 5000 Comfort : 10000 and Premium : 15000.
Home country short stay
Cover can remain in force when an Insured Person returns to his/her Home Country unless this is prohibited by local legislation, e.g. for U.S. and Canadian citizens who have their place of residence in their home country. In such cases the domestic insurance cover is limited to the duration of up to 90 consecutive days from such return.
Insured persons must therefore ensure that they are informed of local legislation in a timely manner before returning to their home country and must insure themselves as necessary in accordance with the respective national provisions.