A routine check-up is a preventative medical appointment booked when no symptoms or complaints are present. Under expat health insurance, routine check-up coverage depends on the plan: Basic Cover includes no routine check-up benefits, and Premium Cover covers dental check-ups, pregnancy check-ups, skin cancer screening, and cancer screening after 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. If the plan does not cover routine check-ups, neither the check-up nor any resulting treatment is covered.
What routine check-up services are covered by expat health insurance?
Routine check-up coverage under expat health insurance depends on the plan you hold:
Basic Cover includes no coverage for routine check-ups.
Premium Cover covers dental check-ups up to €200 per year, after a six-month waiting period.
Premium Cover covers pregnancy check-ups after a waiting period of 6 months, and only if the pregnancy begins after the start date of your policy.
Premium Cover covers skin cancer screening, after a six-month waiting period.
Premium Cover covers cancer screening up to €300 per year, after a six-month waiting period.
What counts as a routine check-up under 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. 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 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 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 expat health insurance?
If your expat health insurance plan covers routine check-ups, then both the check-up itself and any necessary treatment or follow-up care resulting from the findings are covered within the plan's benefits. If your plan does not cover routine check-ups, neither the check-up nor any treatment arising from the findings of that check-up is covered. Under expat health insurance this means Premium Cover pays for follow-up care from a covered check-up, while Basic Cover does not.