A routine check-up is a preventative medical appointment booked when no symptoms or complaints are present. Long-term expat health insurance covers routine check-ups on both the Basic plan and the Premium plan, up to an annual limit that depends on the plan. Medical check-ups have a 12-month waiting period for policies purchased in 2025 and a six-month waiting period for policies purchased in 2026, and dental check-ups have a six-month waiting period. If a health issue is found during a covered check-up, follow-up treatment is covered within the plan's benefits.
What routine check-up services are covered by long-term expat health insurance?
Routine check-up coverage under long-term expat health insurance depends on the plan you hold:
The Basic plan covers medical routine check-ups up to €450 per year.
The Basic plan covers dental check-ups up to €750 per year, after a six-month waiting period.
The Premium plan covers medical routine check-ups up to €750 per year.
The Premium plan covers dental check-ups up to €1,125 per year, after a six-month waiting period.
The waiting period for medical routine check-ups depends on when the policy was purchased: 12 months for policies purchased or renewed in 2025, and 6 months for policies purchased or renewed in 2026.
What counts as a routine check-up under long-term expat health insurance?
A routine check-up is a medical appointment booked purely for preventative care, when no health issues, symptoms, or complaints are present. The purpose of a routine check-up is to maintain health and detect potential problems early. Long-term expat health insurance treats these preventative appointments differently from appointments booked to address an existing symptom.
Which medical visits are not treated as routine check-ups under long-term expat health insurance?
A medical appointment booked to address a specific symptom or an existing health problem is not a routine check-up. For example, seeing a doctor because of pain, an injury, or another complaint counts as symptomatic care rather than preventative care. Symptomatic care is assessed under the regular medical treatment benefits of your long-term expat health insurance plan, not under the routine check-up benefits.
What happens if a health problem is found during a routine check-up under long-term expat health insurance?
Both the Basic plan and the Premium plan of long-term expat health insurance cover routine check-ups, so the check-up itself and any necessary treatment or follow-up care resulting from the findings are covered within your plan's benefits. Follow-up treatment is subject to the normal benefit limits of the plan you hold. Benefits become available only once the relevant waiting period for that check-up has passed.