Expat health insurance covers medically necessary treatment for COVID-19 and other pandemics under both Basic Cover and Premium Cover. Covered services include doctor-prescribed PCR tests, a limited number of rapid antigen tests, and COVID-19 vaccinations under Premium Cover only. Standard conditions on pre-existing conditions, waiting periods, and copays apply. A Visa Compliance Letter confirming pandemic coverage is available for visa applications.
Does expat health insurance cover pandemics such as COVID-19?
Both plans of our expat health insurance — Basic Cover and Premium Cover — cover medically necessary treatment for illnesses related to COVID-19 and other pandemics. Standard policy conditions still apply.
Which pandemic-related services are covered under expat health insurance?
Coverage differs between the two expat health plans:
COVID-19 vaccinations are covered up to €100 per year under Premium Cover only; they are not covered under Basic Cover.
COVID-19 rapid antigen tests are covered up to 3 tests per year (max €15 total) under Basic Cover, and up to 5 tests per year (max €25 total) under Premium Cover.
PCR tests prescribed by a doctor are fully covered under both Basic Cover and Premium Cover.
What policy conditions apply to pandemic-related claims?
Pre-existing condition exclusions, waiting periods, and copays apply to pandemic-related claims, as described in the expat health insurance terms and conditions.
Does expat health insurance meet visa requirements for pandemic coverage?
Yes. Expat health insurance includes the pandemic coverage required for visas such as working holiday visas. We provide a Visa Compliance Letter confirming this coverage, which you can download from your account for your visa application.