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

$2,000,000 / €2,000,000

Major risk+

$2,000,000 / €2,000,000

Secure

$2,000,000 / €2,000,000

Comprehensive

$2,000,000 / €2,000,000

Comprehensive+

$2,000,000 / €2,000,000

Hospital plan (hospital services during hospitalisation)

Major risk

Zone 1 Africa; Zone 2 Europe; Zone 3 Worldwide excl. USA:

Major risk+

Zone 1 Africa; Zone 2 Europe; Zone 3 Worldwide excl. USA:

Secure

Zone 1 Africa; Zone 2 Europe; Zone 3 Worldwide excl. USA:

Comprehensive

Zone 1 Africa; Zone 2 Europe; Zone 3 Worldwide excl. USA:

Comprehensive+

Zone 1 Africa; Zone 2 Europe; Zone 3 Worldwide excl. USA:

Accomodation standard in hospital overnight or as a day case

Major risk

Private room max. $/€350 per day; Semi-private room Full refund

Major risk+

Private room max. $/€350 per day - Semi-private room Full refund

Secure

Private room max. $/€350 per day - Semi-private room Full refund

Comprehensive

Private room max. $/€350 per day - Semi-private room Full refund

Comprehensive+

Private room max. $/€350 per day - Semi-private room Full refund

Parent accomodation with an insured child under 18

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Day care treatment or out-patient surgery

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Nursing care

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Operating room, medicine & surgical dressing

Major risk

Full refund up to 30 days

Major risk+

Full refund up to 30 days

Secure

Full refund up to 30 days

Comprehensive

Full refund up to 30 days

Comprehensive+

Full refund up to 30 days

Prescribed drugs and materials

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

MRI, PET & CT-PET scans

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Intensive care, intensive therapy, coronary care, dependency unit

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Surgical fees including anesthesia

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Reconstructive surgery following accident/eligible medical condition

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Specialist's consultations fees

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Diagnostic test - pathology X-rays

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Organ and bone marrow transplant services

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Pacemaker

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Dialysis

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Cancer treatment

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Terminal illness - palliative & hospice care

Major risk

Up to $50 000/€50 000

Major risk+

Up to $50 000/€50 000

Secure

Up to $50 000/€50 000

Comprehensive

Up to $50 000/€50 000

Comprehensive+

Up to $50 000/€50 000

Psychiatric treatment

Major risk

Full refund waiting period 10 months

Major risk+

Full refund waiting period 10 months

Secure

Full refund waiting period 10 months

Comprehensive

Full refund waiting period 10 months

Comprehensive+

Full refund waiting period 10 months

Reconstructive surgery

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Rehabilitation

Major risk

Up to 60 days/condition

Major risk+

Up to 60 days/condition

Secure

Up to 60 days/condition

Comprehensive

Up to 60 days/condition

Comprehensive+

Up to 60 days/condition

Nursing care at home

Major risk

Up to $100/€100/day max 30 days/condition

Major risk+

Up to $100/€100/day max 30 days/condition

Secure

Up to $100/€100/day max 30 days/condition

Comprehensive

Up to $100/€100/day max 30 days/condition

Comprehensive+

Up to $100/€100/day max 30 days/condition

In-patient emergency dental care

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Local transport by ambulance

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Hospitalization cash benefit

Major risk

$150/€150 per night

Major risk+

$150/€150 per night

Secure

$150/€150 per night

Comprehensive

$150/€150 per night

Comprehensive+

$150/€150 per night

Non-hospitalization benefits

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

Outpatient services (per year & per person)

Major risk

Not covered

Major risk+

Up to $5 000/€5000

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Pre and post hospitalisation consultations & diagnosis analysis within 15 days from the admission

Major risk

Up to $5,000/€5,000/condition (max 15 days pre-admission and 90 days post-hospitalisation)

Major risk+

Up to $5,000/€5,000/condition (max 15 days pre-admission and 90 days post-hospitalisation)

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

General practitioner fees

Major risk

Not covered

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Specialist fees

Major risk

Not covered

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Day patient & out-patient surgery

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Lab test, X-rays, diagnostic & pathology test

Major risk

Not coverd

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Prescribed medicine & drugs

Major risk

Not covered

Major risk+

Full refund up to €500/$500

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Psychiatry & psychotherapy

Major risk

Not covered

Major risk+

Not covered

Secure

Full refund up to $4 500/€4 500 - 10 months waiting period

Comprehensive

Full refund up to $4 500/€4 500 - 10 months waiting period

Comprehensive+

Full refund up to $4 500/€4 500 - 10 months waiting period

Prescribed medical aids

Major risk

Up to $1500/€1 500/condition if post hospitalisation

Major risk+

Up to $1500/€1500/condition if post hospitalisation

Secure

Up to $1500/€1500/condition if post hospitalisation

Comprehensive

Up to $1500/€1500/condition if post hospitalisation

Comprehensive+

Up to $1500/€1500/condition if post hospitalisation

Alternatives therapies

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

Chiropractic, osteopathy, homeopathy, acupuncture treatment, physiotherapy, traditional Chinese medicine by a recognised practitioner

Major risk

Not covered

Major risk+

Up to $500/€500

Secure

Up to $1 500/€1 500

Comprehensive

Up to $1 500/€1 500

Comprehensive+

Up to $1 500/€1 500

Wellness

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 covered

Major risk+

Up to $200/€200

Secure

Up to $400/€400 each 2 years or prescribed by medical authority

Comprehensive

Up to $400/€400 each 2 years or prescribed by medical authority

Comprehensive+

Up to $400/€400 each 2 years or prescribed by medical authority

HIV & Aids

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

In-patient treatment care & day care treatment

Major risk

Full refund

Major risk+

Full refund

Secure

Full refund

Comprehensive

Full refund

Comprehensive+

Full refund

Optical - 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 covered

Major risk+

Not covered

Secure

Not covered

Comprehensive

Up to $500/€500 every 24 months & including laser treatment (Life Time)

Comprehensive+

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

Major risk

Not covered

Major risk+

Not covered

Secure

Not covered

Comprehensive

Not covered

Comprehensive+

Up to $7 000/€7 000- 10 month waiting period

Complications of pregnancy and childbirth

Major risk

Not covered

Major risk+

Not covered

Secure

Not covered

Comprehensive

Not covered

Comprehensive+

Full refund (Optional)

Cover for new born baby

Major risk

Up to $100 000/€100 000 if added to the plan within 30 days

Major risk+

Up to $100 000/€100 000 if added to plan within 30 days

Secure

Up to $100 000/€100 000 if added to plan within 30 days

Comprehensive

Up to $100 000/€100 000 if added to plan within 30 days

Comprehensive+

Up to $100 000/€100 000 if added to plan within 30 days

Chronic conditions & preexisting conditions

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

Chronic conditions & preexisting conditions

Major risk

Full medical underwriting

Major risk+

Full medical underwriting

Secure

Full medical underwriting

Comprehensive

Full medical underwriting

Comprehensive+

Full medical underwriting

Dental treatment

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

Routine dental treatment (check up, basic treatment) (9 months waiting period)

Major risk

Not covered

Major risk+

Not covered

Secure

Not covered

Comprehensive

80% up to $2 750/€2 750 including dental surgery

Comprehensive+

80% up to $2 750/€2 750 including dental surgery

Major restorative dental treatment including orthodontic, prostheses bridges, implants (9 months waiting period)

Major risk

Not covered

Major risk+

Not covered

Secure

Not covered

Comprehensive

80% up to $ 1,500 / € 1,500 orthodontics & prostheses

Comprehensive+

80% up to $1 500/€1 500 orthodontics & prosthesis

Other benefits

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+

Medical Assistance - Evacuation - Repatriation

Major risk

Yes

Major risk+

Yes

Secure

Yes

Comprehensive

Yes

Comprehensive+

Yes

Claims Administrations - Process reimbursement

Major risk

Henner

Major risk+

Henner

Secure

Henner

Comprehensive

Henner

Comprehensive+

Henner

Direct billing hospital

Major risk

Yes

Major risk+

Yes

Secure

Yes

Comprehensive

Yes

Comprehensive+

Yes

Annual deductible or per condition

Major risk

None

Major risk+

None

Secure

None

Comprehensive

None

Comprehensive+

None

Optional

Major risk

Annual deductible Nil/ $/€1,000; $/€2,500/$/€5,000

Major risk+

Co-insurance 10% & 20% on Outpatient Treatment Care only

Secure

Co-insurance 10% & 20% on Outpatient Treatment Care only

Comprehensive

Co-insurance 10% & 20% on Outpatient Treatment Care only

Comprehensive+

Co-insurance 10% & 20% on Outpatient Treatment Care only

Major risk

More Details

Major risk+

More Details

Secure

More Details

Comprehensive

More Details

Comprehensive+

More Details

Major risk

Major risk+

Secure

Comprehensive

Comprehensive+