Overview ThinkCare table of benefits
Thinkcare medical insurance benefits
Major Risk
Major risk+
Secure
Comprehensive
Comprehensive+
Annual limit per year & per person & life time coverage
Major risk
$1,000,000/€1,000,000Major risk+
$1,000,000/€1,000,000Secure
$1,500,000/€1,500,000Comprehensive
$2,000,000/€2,000,000Comprehensive+
$2,000,000/€2,000,000HOSPITALISATION BENEFITS
Major risk
Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)Major risk+
Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)Secure
Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)Comprehensive
Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)Comprehensive+
Africa & Indian Sub-continment Zone 1 (Option Europe Zone 2 & Worldwide excl. USA Zone 3)Accomodation standard in hospital overnight or as a day case
Major risk
Private room max. $/€350 per day; Semi-private room Full refundMajor risk+
Private room max. $/€350 per day - Semi-private room Full refundSecure
Private room max. $/€350 per day - Semi-private room Full refundComprehensive
Private room max. $/€350 per day - Semi-private room Full refundComprehensive+
Private room max. $/€350 per day - Semi-private room Full refundParent accomodation with an insured child under 18
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundDay care treatment or out-patient surgery
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundNursing care
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundOperating room, medicine & surgical dressing
Major risk
Full refund up to 30 daysMajor risk+
Full refund up to 30 daysSecure
Full refund up to 30 daysComprehensive
Full refund up to 30 daysComprehensive+
Full refund up to 30 daysPrescribed drugs and materials
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundMRI, PET & CT-PET scans
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundIntensive care, intensive therapy, coronary care, dependency unit
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundSurgical fees including anesthesia
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundReconstructive surgery following accident/eligible medical condition
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundSpecialist's consultations fees
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundDiagnostic test - pathology X-rays
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundOrgan and bone marrow transplant services
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundPacemaker
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundDialysis
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundCancer treatment
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundTerminal illness - palliative & hospice care (12 months waiting period)
Major risk
Full refund up to $50,000/€50,000Major risk+
Full refund up to $50,000/€50,000Secure
Full refund up to $50,000/€50,000Comprehensive
Full refund up to $50,000/€50,000Comprehensive+
Full refund up to $50,000/€50,000Psychiatric treatment (10 months waiting period)
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundReconstructive surgery
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundRehabilitation
Major risk
Full refund up to 60 days/conditionMajor risk+
Full refund up to 60 days/conditionSecure
Full refund up to 60 days/conditionComprehensive
Full refund up to 60 days/conditionComprehensive+
Full refund up to 60 days/conditionNursing care at home
Major risk
Full refund up to $100/€100/day max 30 days/conditionMajor risk+
Full refund up to $100/€100/day max 30 days/conditionSecure
Full refund up to $100/€100/day max 30 days/conditionComprehensive
Full refund up to $100/€100/day max 30 days/conditionComprehensive+
Full refund up to $100/€100/day max 30 days/conditionIn-patient emergency dental care
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundLocal transport by ambulance
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundHospitalization
Major risk
Full refund up to $150/€150 per nightMajor risk+
Full refund up to $150/€150 per nightSecure
Full refund up to $150/€150 per nightComprehensive
Full refund up to $150/€150 per nightComprehensive+
Full refund up to $150/€150 per nightNon-hospitalization
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Outpatient services (per year & per person)
Major risk
Not coveredMajor risk+
Full refund up to $5,000/€5,000Secure
Full refundComprehensive
Full refundComprehensive+
Full refundPre and post hospitalisation consultations & diagnosis analysis within 60 days from the admission and 90 days from post-hospitalisation
Major risk
Full refund up to $5,000/€5,000Major risk+
Full refund up to $5,000/€5,000Secure
Full refundComprehensive
Full refundComprehensive+
Full refundGeneral practitioner fees
Major risk
Not coveredMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundSpecialist fees
Major risk
Not coveredMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundDay patient & out-patient surgery
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundLab test, X-rays, diagnostic & pathology test
Major risk
Not coveredMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundPrescribed medicine & drugs
Major risk
Not coveredMajor risk+
Full refund up to $500/€500Secure
Full refundComprehensive
Full refundComprehensive+
Full refundPsychiatry & psychotherapy (10 months waiting period)
Major risk
Not coveredMajor risk+
Not coveredSecure
Full refund up to $4,500/€4,500Comprehensive
Full refund up to $4,500/€4,500Comprehensive+
Full refund up to $4,500/€4,500Prescribed medical aids
Major risk
Full refund up to $1,500/€1,500/condition if post hospitalisationMajor risk+
Full refund up to $1,500/€1,500/condition if post hospitalisationSecure
Full refund up to $1,500/€1,500/condition if post hospitalisationComprehensive
Full refund up to $1,500/€1,500/condition if post hospitalisationComprehensive+
Full refund up to $1,500/€1,500/condition if post hospitalisationAlternatives therapies
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Chiropractic, osteopathy, homeopathy, acupuncture treatment, physiotherapy, traditional Chinese medicine by a recognised practitioner
Major risk
Not coveredMajor risk+
Full refund up to $500/€500Secure
Full refund up to $1,500/€1,500Comprehensive
Full refund up to $1,500/€1,500Comprehensive+
Full refund up to $1,500/€1,500Wellness
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Check-up including screening for early detection (full health screen, mammogram, Papanicolaou (PAP) test, prostate cancer screen) & vaccinations
Major risk
Not coveredMajor risk+
Full refund up to $200/€200Secure
Full refund up to $400/€400 each 2 years or prescribed by medical authorityComprehensive
Full refund up to $400/€400 each 2 years or prescribed by medical authorityComprehensive+
Full refund up to $400/€400 each 2 years or prescribed by medical authorityHIV & Aids
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
In-patient treatment care & day care treatment (5 year waiting period)
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundOptical - vision care
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Including glasses, frames, contact lenses, laser treatment after 6 months of policy purchase
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
Full refund up to $500/€500 every 24 months & including laser treatment (Life Time)Comprehensive+
Full refund up to $500/€500 every 24 months & including laser treatment (Life Time)Maternity care
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Normal pregnancy and delivery costs (10 months waiting period)
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
Not coveredComprehensive+
Full refund up to $7,000/€7,000Complications of pregnancy and childbirth (10 months waiting period)
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
Not coveredComprehensive+
Full refundCover for new born baby
Major risk
Full refund up to $100,000/€100,000 if added to the plan within 30 daysMajor risk+
Full refund up to $100,000/€100,000 if added to the plan within 30 daysSecure
Full refund up to $100,000/€100,000 if added to the plan within 30 daysComprehensive
Full refund up to $100,000/€100,000 if added to the plan within 30 daysComprehensive+
Full refund up to $100,000/€100,000 if added to the plan within 30 daysChronic conditions & pre-existing conditions
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Chronic conditions & pre-existing conditions
Major risk
Full medical underwritingMajor risk+
Full medical underwritingSecure
Full medical underwritingComprehensive
Full medical underwritingComprehensive+
Full medical underwritingDental treatment
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Routine dental treatment (check up, basic treatment) (9 months waiting period)
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
80% up to $2,000/€2,000 including dental surgeryComprehensive+
80% up to $2,000/€2,000 including dental surgeryMajor restorative dental treatment including orthodontic, prostheses bridges, implants (9 months waiting period)
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
80% up to $1,500/€1,500 orthodontic & prosthesesComprehensive+
80% up to $1,500/€1,500 orthodontic & prosthesesOther benefits
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Medical Assistance - Evacuation - Repatriation
Major risk
AXA Global AssistatnceMajor risk+
AXA Global AssistatnceSecure
AXA Global AssistatnceComprehensive
AXA Global AssistatnceComprehensive+
AXA Global AssistatnceClaims Administrations - Process reimbursement
Major risk
HennerMajor risk+
HennerSecure
HennerComprehensive
HennerComprehensive+
HennerDirect billing hospital
Major risk
YesMajor risk+
YesSecure
YesComprehensive
YesComprehensive+
YesAnnual deductible or per condition
Major risk
NoneMajor risk+
NoneSecure
NoneComprehensive
NoneComprehensive+
NoneOptional
Major risk
Annual deductible Nil/ $/€1,000 / $/€2,500 / $/€5,000Major risk+
Co-insurance 10% & 20% on Outpatient Treatment Care onlySecure
Co-insurance 10% & 20% on Outpatient Treatment Care onlyComprehensive
Co-insurance 10% & 20% on Outpatient Treatment Care onlyComprehensive+
Co-insurance 10% & 20% on Outpatient Treatment Care onlyMajor risk
More DetailsMajor risk+
More DetailsSecure
More DetailsComprehensive
More DetailsComprehensive+
More DetailsMajor risk
Major risk+
Secure
Comprehensive
Comprehensive+