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Health Insurance

Health Insurance

With this insurance you can choose between 4 levels of coverage: Basic Scheme, Hospital Scheme, International Scheme and Family Health Scheme.


Options available are “Inpatient Only” Cover or “Inpatient and Outpatient” Cover. The Inpatient Only Cover is a cost reducing option providing insurance protection for hospitalisation. Cover is Worldwide for the Basic and Hospital Schemes subject to the limits contained in the respective Tables of Benefits. Under the International Scheme cover is Worldwide excluding USA and Canada although there is a limit for cover in this territory for emergency treatment only. 


Basic Scheme covers essential health services, and refunds prearranged amounts for treatments. It includes in-patient services such as specialist consultations, pathology, radiology, diagnostic tests and physiotherapy; Reasonable Fees up to €325 per policy year


Hospital Scheme covers full refund of hospital accommodation, including intensive care and nursing care. It also comprises operating theatre charges, surgeons’ and anaesthetists’ fees for surgical operations, Computerised Tomography Scan (CT Scan), Magnetic Resonance Imaging (MRI) and PET Scans.


International Scheme provides in-patient and out-patient cover on a worldwide basis except USA and Canada. It offers full refund of osteopathy, homeopathy, acupuncture, and chiropractic treatments provided by qualified practitioners.


The Family Health Insurance Scheme covers all the health insurance needs of all family members, upon payment of a single premium only. This scheme protects family members in case of any injury or other medical contingencies such as hospitalisation, and medical and surgical expenses. This scheme offers out-patient benefits including refund for general practitioners’ fees, consultations with specialists, a dental benefit and a maternity cash benefit (€300 per pregnancy). If you become unemployed as a result of redundancy, and consequently not being able to pay for the Family Health insurance premium, MAPFRE Middlesea will cover the annual renewal premium for you.


The Hospital and International Schemes offer you the Second Medial Opinion Service if any member of your family is diagnosed with a severe illness and would like to get further confirmation, this service gives you access to a network of recognised international medical experts at no extra cost. 


Under our policies a number of Extensions are available as shown below:


Extensions

Already included at no additional charges with the below Schemes:

Available at an additional premium with the below Schemes:”

Second Medical Opinion

Hospital (incl. Family) and International Scheme

Basic Schemes

Mediphone

Hospital (incl. Family) and International Scheme

Basic Schemes

Routine and Preventive Care Cover

Not applicable

Only "Inpatient and Outpatient" Schemes

Dental Cover

Not applicable

Only "Inpatient and Outpatient" Schemes

Evacuation (to nearest country where treatment is available) and Repatriation to home country for medical treatment or of mortal remains

Not applicable

Only "Inpatient and Outpatient" Schemes

Loss of Income

International Scheme

Hospital "Inpatient and Outpatient" Scheme

Waiver of Standard Exclusions

Not applicable

Hospital (incl. Family) and International Schemes

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