MEDISKY INTERNATIONAL Plans

You can choose one of the 5 private health insurance plans with international coverage, with one of the following coverage packages:

Cancer treatment cover of up to
75 000 euro

Medical services cover of up to 500.000 euro, available in Europe

Medical services cover of up to 1.200.000 euro, available in Europe

Medical services cover of up to 2.500.000 euro, available Worldwide

NESAcard - Quick cash of
2 000 euro to support any immediate need for cancer diagnostics and initial treatment.

Together with our partners from LAMP INSURANCE, one of the most important insurance providers worldwide, we have created a product that will enable you to have access to the best international clinics and hospitals.

Your insurance cover can incorporate:

  • Complete medical services
  • Complex surgeries
  • Hospitalization
  • Multidisciplinary consults
  • Laboratory tests
  • Advanced imaging services
  • Cancer treatment
  • Organ and bone marrow transplant

The advantages of MediSky International Plans

This insurance covers both companies, and individuals (under 65 years old). The payment system is flexible - it can be either monthly, quarterly, biannually or annually.

The private health insurance with international coverage offered by MediSky and LAMP INSURANCE, guarantees its members access to premium healthcare services all over the world.

For any inquries, a dedicated person will be available to provide you with any information you might need and as soon as you need it.

The insurance costs can vary, depending on the benefits package chosen.

Now you can relax knowing your healthcare is in safe hands, leaving you free to enjoy life to the full. We have the perfect solution for all your healthcare needs!

MEDIHOPE & CLOVER

Available soon

OPTIONS

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Overall maximum limit

500,000 Euro

500,000 Euro

1,200,000 Euro

2,500,000 Euro

3,000,000 Euro

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Area of Coverage

Europe

Europe (optional Europe + Israel)

Europe (optional Europe + Israel)

Worldwide (according to the elected country)

Worldwide Excluding USA/ Worldwide

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Deductible

€ 0 / € 75 / € 150

€ 0 / € 75 / € 150

€ 0 / € 75 / € 250 / € 500 / € 1.000 / € 2.500 / € 4.500

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Travel outside the specified Geographic Area

€ 30.000 (max. 30 days / policy year)

€ 30.000 (max. 30 days / policy year)

(max. 45 days / policy year)

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No

INPATIENT & DAYCARE

Info

1

Ambulance services

In Full

In Full

In Full

In Full

In Full

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

2

Hospitalization Costs (standard single room)

In Full

In Full

In Full

In Full

In Full

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

3

Diagnostic procedures, CT, MRI and PET scans and Treatment

30,000 Euros

In Full

In Full

In Full

In Full

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

4

Surgical fees (including anaesthesia and theatre charges - operating room)

In Full

Max. € 30.000

In Full

In Full

In Full

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

5

Intensive care unit accommodation, specialist fees, physician, therapist fees and nursing fees

In Full

In Full

In Full

In Full

In Full

We will pay for the surgeon, anesthetist and assistant's fees both in surgery and immediately before or after surgery, on the same day. We will pay for surgeon's consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

6

Medicines, drugs and dressing

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

7

If the Insured Person is a child aged under 16 - overnight accommodation for one parent

In Full

In Full

In Full

In Full

In Full

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

8

Day-care surgery

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only.

9

Post-Hospitalisation Treatment received on an Outpatient basis

NA

In Full

In Full

In Full (up to 3 months per Insured Event)

In Full

We will pay for In-Patient rehabilitation costs following surgery, subject to Our approval.

10

Chronic Conditions

NA

€ 1.000

€ 1.000

In Full first onset and €25.000 ongoing management

In Full (up to 60 days)

We will pay for room and board and the costs of treatment when admitted to a psychiatric hospital up to the limits specified, while under the supervision of a consultant psychiatrist.

11

Psychiatric treatment

Not covered

Not covered

Not covered

Up to 45 days per year

In Full

We will pay for prosthetic implants needed as part of your treatment.

12

Organ Transplant

NA

€ 250.000 / lifetime

€ 250.000 / lifetime

€ 250.000 / lifetime

2,500 Euros

We will pay towards the costs of any items, supplies or equipment used in the course of medical treatment or home care, such as orthopedic supports, crutches, wheelchairs, hearing aids or speaking aids.

13

Tissue Transplant

NA

€ 25.000 / lifetime

€ 25.000 / lifetime

€ 250.000 / lifetime

20,000 Euros

We will pay towards the costs of palliative care (whether in a hospice or at home) if you have received a terminal diagnosis and can no longer receive active medical treatment leading towards your recovery.

14

In-Patient Hospital Cash Benefit

1,000 Euros

€ 100 per day (up to 10 Days)

€ 100 per day (up to 10 Days)

€ 50 per day (up to € 1000)

In Full (up to 30 days after hospitali-sation)

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

15

Rehabilitation

Not covered

Not covered

€ 2.000

Up to € 10.000

150 Euros per night

We will pay a cash benefit for each night you spend in a hospital where you are not charged for your admission (ie: at a public hospital)

16

Nursing at Home

In Full (only up to 60 days after birth)

€ 1.000

€ 5.000

€ 3.000

In Full (only up to 90 days after birth)

We will pay for the treatment of congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth whether diagnosed at the time or not. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family. After the specified days, the newborn will be subject to underwriting.

Maternity care (one year waiting period)

Info

17

Pre and Post-natal examinations by a Physician

Not covered

Not covered

Companies only: € 2,500 and 20% co-pay

Up to € 8.000

50,000 Euros

Covered until stable for transfer or up to the cash limit supplied. We will pay only for emergency in-patient treatment.

18

Costs of Normal Childbirth or Emergency Caesarean

Not covered

Not covered

Companies only: € 2,500 and 20% co-pay

Up to € 8.000

50,000 Euros

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

19

Home Delivery

Not covered

Not covered

Companies only: € 2,500 and 20% co-pay

Up to € 8.000

50,000 Euros

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

20

New-born Child benefit

NA

Not covered

Companies only: € 37.500 (up to 14 Days)

In Full (up to 21 Days)

6,000 Euros

We will pay for the cost of drugs and dressings prescribed by your medical practitioner that will only be used for the treatment of a disease, illness or injury.

21

Complications of Pregnancy

NA

Not covered

Up to Policy Limits, if Maternity has been selected

In Full

6,000 Euros

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as ECGs).

Cancer cover

Info

22

Specialist and Consultant fees

In Full

In Full

In Full

In Full

In Full

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purpose of providing short term focused treatment to relieve pain or restore function.

23

Diagnostic tests and scans

In Full

In Full

In Full

In Full

In Full

We will pay for the costs of treatment provided by a registered therapist, such as an Occupational Therapist and Complementary Therapist (acupuncture, homeopathy, chiropractic treatment or osteopathy). We will not pay for sexual therapy.

24

Surgery (including reconstructive surgery)

In Full

In Full

In Full

In Full

In Full

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain)

25

Radiotherapy and Chemeotherapy

In Full

In Full

In Full

In Full

In Full

We will pay for speech therapy in order to restore speech following an accident or for a condition (ie: stroke), under the recommendation of your specialist. We will not pay for developmental delay or language disorders.

26

Palliative and Hospice care

Not covered

Not covered

Not covered

€ 25.000

6,000 Euros

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient) up to the limits provided.

27

Hospice and cash Benefit

NA

Not covered

Not covered

€ 50 per day (up to € 5000)

Within 6,000 Euro limit (up to 30 visits)

We will pay for the consultation and associated costs for psychiatry, psychology or psychotherapy provided the overall treatment plan is under the referral of a practicing registered psychiatrist/ psychologist.

28

Cancer drugs

In Full (only in-patient)

In Full only during hospitalization

In Full during hospitalization + out-patient benefit

In Full

In Full

We will pay for fees specifically related to the treatment of Cancer, including hospitalization, radiotherapy, chemotherapy and associated consultations, drugs and tests.

OUTPATIENT COVER

Info

29

Physicians/Specialist/Consultant fees, Surgical Treatment, Prescription Drugs and Dressings

Not covered

Not covered

€ 1.000

Up to € 3.000

In Full (in-patient)
45,000 Euros (out-patient)

We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

30

Diagnostic tests, Laboratory, X-Ray fees, medical scanning and imagery services

In Full

Not covered

€ 2.000

Up to € 3.000

In Full

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

31

Physiotherapy

NA

Not covered

€ 1.800

Up to € 500

1.800 Euros

Maternity benefit is only available after 12 months of continuous cover. Cover includes hospital charges, obstetrician and midwife fees for normal childbirth, pre and post-natal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for terminations of pregnancy, other than miscarriage, ectopic pregnancy and stillbirth. We will pay for elective C-section and Childbirth at home.

32

Health Screening and vaccinations

NA

Not covered

Not covered

Up to € 350

350 Euros per night

Maternity cash benefit is only available after 12 months of continuous cover. We will pay a cash benefit for each night you spend in a hospital during childbirth where you are not charged for your admission (ie: at a public hospital).

33

Emergency Dental treatment

NA

Not covered

Not covered

In Full for accident trauma

In Full

This benefit is only available after 12 months of continuous cover. We will pay for the costs of a Caesarian Section where medically necessary arising as a result of a complication, including conditions such as pre-eclampsia, threatened miscarriage, baby is in breech position or the life of the mother and/or baby is under threat.

34

Emergency Out-Patient treatment

NA

€ 500

€ 12.000

In Full

100,000 Euros

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth. Children can be added as a dependent onto their parent's policy within 30 days of birth with no exclusions (subject to the congenital benefit wording).

35

Oncology and Cancer Treatment

NA

Not covered

€ 12.000

In Full

1,000 Euros

We will pay towards treatment of damaged teeth following an accident. We will not pay for the repair of dental implants, crowns or dentures.

Medical transfer benefits

Info

36

Emergency Medical Transfer and Evacuation

In Full

Not covered

€ 25.000

In Full

In Full

We will pay for the costs of a medically necessary local ambulance to either transfer you to hospital following an accident or from one hospital to another.

37

Repatriation of Remains

In Full

Not covered

€ 25.000

In Full

In Full

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

38

Accompanying relative or friend repatriation costs

NA

Not covered

Not covered

Up to € 750

In Full

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need. We will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to EUR 50 each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

39

Benefits following Death

NA

Not covered

Not covered

Up to € 750

In Full

From age 2 to turning 10 years we will pay towards one annual health screen incl. vaccinations once you have been a member for 12 consecutive months. From age 10 and up we will pay towards one annual health screen once you have been a member for 12 consecutive months.

OPTIONAL BENEFITS

Info

40

Routine Health Check

NA

Not aplicable

€ 100

Not aplicable

750 Euros

We will pay towards 4 health screenings incl. vaccinations per year up until your child reaches the age of 2.

41

Coverage in Israel

NA

Increase of the premium by 10%; co-payment 10%; not more than € 500

Increase of the premium by 10%; co-payment 10%; not more than € 500

Not aplicable

350 Euros

From age 10 years and up we pay towards vaccinations and immunizations including travel vaccinations

42

Maternity

available only for companies

available only for companies

available only for companies

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% co-pay for this. (ie: check-up, X-ray, scale and polish, mouth guard)

* SUBLIMITS - ALL LIMITS ARE PER POLICY YEAR UNLESS STATED OTHERWISE

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