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 / €2,000,000Major risk+
$2,000,000 / €2,000,000Secure
$2,000,000 / €2,000,000Comprehensive
$2,000,000 / €2,000,000Comprehensive+
$2,000,000 / €2,000,000Hospital 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 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
Major risk
Up to $50 000/€50 000Major risk+
Up to $50 000/€50 000Secure
Up to $50 000/€50 000Comprehensive
Up to $50 000/€50 000Comprehensive+
Up to $50 000/€50 000Psychiatric treatment
Major risk
Full refund waiting period 10 monthsMajor risk+
Full refund waiting period 10 monthsSecure
Full refund waiting period 10 monthsComprehensive
Full refund waiting period 10 monthsComprehensive+
Full refund waiting period 10 monthsReconstructive surgery
Major risk
Full refundMajor risk+
Full refundSecure
Full refundComprehensive
Full refundComprehensive+
Full refundRehabilitation
Major risk
Up to 60 days/conditionMajor risk+
Up to 60 days/conditionSecure
Up to 60 days/conditionComprehensive
Up to 60 days/conditionComprehensive+
Up to 60 days/conditionNursing care at home
Major risk
Up to $100/€100/day max 30 days/conditionMajor risk+
Up to $100/€100/day max 30 days/conditionSecure
Up to $100/€100/day max 30 days/conditionComprehensive
Up to $100/€100/day max 30 days/conditionComprehensive+
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 cash benefit
Major risk
$150/€150 per nightMajor risk+
$150/€150 per nightSecure
$150/€150 per nightComprehensive
$150/€150 per nightComprehensive+
$150/€150 per nightNon-hospitalization benefits
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Outpatient services (per year & per person)
Major risk
Not coveredMajor risk+
Up to $5 000/€5000Secure
Full refundComprehensive
Full refundComprehensive+
Full refundPre 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 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 coverdMajor 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
Major risk
Not coveredMajor risk+
Not coveredSecure
Full refund up to $4 500/€4 500 - 10 months waiting periodComprehensive
Full refund up to $4 500/€4 500 - 10 months waiting periodComprehensive+
Full refund up to $4 500/€4 500 - 10 months waiting periodPrescribed medical aids
Major risk
Up to $1500/€1 500/condition if post hospitalisationMajor risk+
Up to $1500/€1500/condition if post hospitalisationSecure
Up to $1500/€1500/condition if post hospitalisationComprehensive
Up to $1500/€1500/condition if post hospitalisationComprehensive+
Up to $1500/€1500/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+
Up to $500/€500Secure
Up to $1 500/€1 500Comprehensive
Up to $1 500/€1 500Comprehensive+
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+
Up to $200/€200Secure
Up to $400/€400 each 2 years or prescribed by medical authorityComprehensive
Up to $400/€400 each 2 years or prescribed by medical authorityComprehensive+
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
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
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 coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
Not coveredComprehensive+
Up to $7 000/€7 000- 10 month waiting periodComplications of pregnancy and childbirth
Major risk
Not coveredMajor risk+
Not coveredSecure
Not coveredComprehensive
Not coveredComprehensive+
Full refund (Optional)Cover for new born baby
Major risk
Up to $100 000/€100 000 if added to the plan within 30 daysMajor risk+
Up to $100 000/€100 000 if added to plan within 30 daysSecure
Up to $100 000/€100 000 if added to plan within 30 daysComprehensive
Up to $100 000/€100 000 if added to plan within 30 daysComprehensive+
Up to $100 000/€100 000 if added to plan within 30 daysChronic conditions & preexisting conditions
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Chronic conditions & preexisting 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 $2 750/€2 750 including dental surgeryComprehensive+
80% up to $2 750/€2 750 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 orthodontics & prosthesesComprehensive+
80% up to $1 500/€1 500 orthodontics & prosthesisOther benefits
Major risk
Major risk+
Secure
Comprehensive
Comprehensive+
Medical Assistance - Evacuation - Repatriation
Major risk
YesMajor risk+
YesSecure
YesComprehensive
YesComprehensive+
YesClaims 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+