Globality CoGenio. Corporate health insurance solutions for expatriate employees NEW. More flexibility New pricing structure

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1 Corporate health insurance solutions for expatriate employees NEW More flexibility New pricing structure

2 Globality Health The experts for expatriates Globality Health is the international health insurer with a special focus on expatriates. Our approach is based on sound client portfolio management based on a long-term perspective, solid data and market expertise. The growing success of our individual and corporate plans clearly indicates that this approach is on track. As part of Munich Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under the Munich Health brand, Munich Re pools its primary insurance and reinsurance operations, as well as related services in international healthcare business. We draw on experience gained throughout the world in health insurance and reinsurance over a period of more than 80 years. Globality Health standards Product With you profit from flexible underwriting solutions, high-level products with comprehensive inpatient, outpatient and dental insurance cover around the globe. Over 3,000 experts at locations worldwide use this wealth of knowledge to offer our international clients innovative solutions, individual consulting and services. This enables us to develop cutting-edge solutions for one of the industry s fastest-growing markets. Munich Re as a group stands for exceptional solution-based expertise, consistent risk management, financial stability and client proximity. Some 40 million clients in over 30 countries place their trust in the services and security Munich Re provides. protection for your employees When it comes to healthcare, your employees deserve nothing but the best. The plan offers premium health insurance with comprehensive inpatient, outpatient and dental cover, flexible underwriting and market leading assistance whenever and wherever they are needed. Service Globality Health takes international healthcare to a new level with Globalites, an integrated international location based assistance provider. This worldwide network of high-quality healthcare assistance offers direct access to local expertise, seamless service and first-class care. Financial stability As part of Munich Re, Globality Health has the full financial backing of one of the most reliable insurance groups in the world. Munich Re holds A-ratings from Standard & Poor s, AM Best, Fitch Ratings and Moody s. Compliance Globality Health follows the highest standards of business ethics. A dedicated team of experts provides the security of evaluating all aspects of compliant business solutions for Globality Health s clients worldwide. Worldwide care with the highest standards First-class advice and organisational support are at the heart of our international services for your employees and their families, both when providing benefits and when dealing with general enquiries. 2

3 Corporate health insurance solutions tailored to your needs offers three carefully designed plan levels from our plan with attractive premiums, up to our plan for those needing the most comprehensive cover. With inpatient, outpatient, dental care and special assistance services as modules within each plan, your cover can be tailored to suit your company s needs. Simply choose the options that serve your employees best. For a maximum of flexibility, plan levels can be adapted to your corporate needs: Inpatient Outpatient Example A Example B Example C Dental Assistance Product highlights Unlimited cover No waiting periods Cancer treatment covered on all levels Enhanced wellbeing benefits No cash limit for medical evacuation and repatriation Accidental dental treatment and pain relief available on all plan levels No minimum or maximum age restrictions 3

4 The Plan Levels Three plan levels optimal care In addition to tailored solutions comprises three plan levels:, and. The individual plan levels offer different combinations and levels of benefits. The following table of benefits is an extract of the complete scope of benefits and services. All amounts apply per person per insurance year unless otherwise indicated. Please refer to the General Conditions of Insurance (GCI) for detailed information. Benefits Inpatient treatment Acommodation in a private or a semi-private room Medical treatment Nursing care Outpatient surgery instead of inpatient treatment Drugs and dressings Physiotherapy incl. massages Therapies, i.e. ergotherapy Therapeutic aids and appliances as a life-saving measure as a life-saving measure Maternity care and childbirth up to 5,000 / $ 6,500 / 4,200 Chemotherapy, oncological drugs and treatment up to 50,000 / $ 65,000 / 42,000 up to 100,000 / $ 130,000 / 84,000 Transport to the nearest suitable hospital for initial treatment following an accident or an emergency Bone marrow and organ transplants up to 200,000 / $ 260,000 / 168,000 for the duration of the group contract Psychiatric treatment Inpatient psychotherapy Parent accommodation Nursing care at home and domestic help up to 7 days up to 14 days not covered covered/paid in full 4

5 The Plan Levels Benefits * Inpatient treatment (cont.) Substitute hospital cash plan benefit 50 / $ 65 / 42 per day 100 / $ 130 / 84 per day Inpatient follow-up rehabilitation up to 14 days up to 21 days Hospice up to 7 weeks Outpatient treatment Medical treatment Chemotherapy, oncological drugs and treatment Screenings for early detection of illnesses, e.g. cancer up to 250 / $ 325 / 210 up to 500 / $ 650 / 420 Vaccinations up to 250 / $ 325 / 210 Maternity care and childbirth up to 2,000 / $ 2,600 / 1,680 Acupuncture, homeopathy, osteopathy and chiropractic treatment up to 500 / $ 650 / 420 up to 1,000 / $ 1,300 / 840 Speech therapy Psychiatric treatment Outpatient psychotherapy up to 20 sessions up to 20 sessions Drugs and dressings Therapies / physiotherapy Therapeutic aids and appliances up to 2,000 / $ 2,600 / 1,680 Vision aids up to 100 / $ 130 / 84 up to 200 / $ 260 / 168 Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency Infertility treatment 50% up to 7,500 / $ 9,750 / 6,300 per insured couple for the duration of the group contract 50% up to 15,000 / $ 19,500 / 12,600 per insured couple for the duration of the group contract not covered covered/paid in full *: With a deductible of 250/ $ 325/ 210 per insured person and insurance year. 5

6 The Plan Levels Benefits Dental treatment Basic dental services Screenings Dental treatment pain relief treatment including inlays including inlays Major dental services Reimbursement of 50% for the following benefits if needed as a result of an accident Reimbursement for the following benefits up to 2,000 / $ 2,600 / 1,680 Reimbursement for the following benefits up to 5,000 / $ 6,500 / 4,200 Dentures (i.e. prostheses, bridges and crowns) Implants up to 4 implants per jaw and the dentures to be secured to these implants up to 4 implants per jaw and the dentures to be secured to these implants up to 4 implants per jaw and the dentures to be secured to these implants Orthodontic treatment Dental laboratory work and materials Treatment plan Medical assistance Medical evacuation and repatriation Support and information Support in case of bereavement, share of repatriation costs up to 2,500 / $ 3,250 / 2,100 up to 5,000 / $ 6,500 / 4,200 up to 10,000 / $ 13,000 / 8,400 Online services Additional assistance Organizing visits for a relative to the patient up to 1,500 / $ 1,950 / 1,260 up to 3,000 / $ 3,900 / 2,520 Procurement and shipment of vital medication Organizing return transport or care for the children not covered covered/paid in full 6

7 Our Global Service Network Globalites Globalites Our global network of Healthcare Service Satellites gives you security knowing that your employees are in the best of hands whatever happens, wherever they are in the world. Our international location-based network, Globalites, ensures that your employees and their co-insured families can count on a reliable partner who will deal directly with doctors and hospitals, as well as monitoring treatment in the case of unforeseen events. In order to provide your employees with excellent and unified service while abroad, Globality Health has established an international location-based service and assistant concept unified under one brand: Globalites. Globalites, Globality Health s worldwide network of Healthcare Service Satellites offers direct, multilingual 24/7 access to local expertise, direct billing options and first-class care. Our ambition is to give insured persons immediate access to high-quality medical services wherever they are in the world. Assistance highlights All Globalites are familiar with the local healthcare systems and regional structures. They will recommend doctors and hospitals, make appointments or procure medication. Globalites all over the world work on a common IT platform and follow unified processes that always grant the same level of service to all our international customers and direct access to worldwide best practice. If you relocate an employee from one location to another, he or she will still have a Globalite close at hand seamless service guaranteed. Worldwide assistance and international experience Local experts, on the ground available to help you and your employees 24 hours a day, 365 days a year Direct settlement with medical providers Complete medical evacuation should the necessary facilities not be available locally Worldwide shipment of vital medication 7

8 Your Broker: Globality Health Get in touch with us today Call our experienced consultants for detailed offers and to discuss your company scheme. Your personal expert will guide you through our benefits and reimbursement process, as well as the services making stays abroad easier. Lines are open Monday to Friday: 8am to 5pm (CET) Phone Or contact us anytime at: Globality S.A. 13, rue Edward Steichen L-2540 Luxembourg R.C.S. Luxembourg B

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