Keynotes

Schenge Zone Travel Insurance

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Who is Expat & Co? • Expat & Co is the specialist underwriter of insurances for expats, international students and other globally mobile people; • Expat & Co has a license to work in all countries of the EEA; • Expat & Co’s insurance policies have been developed to travel with you around the globe; • Your policy is portable when you relocate and adapts to your new environment and social security (Chameleon principle); • Enjoy continuity of coverage, wherever you are.

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Claims Handling [download our Claims Manual] N Medical Claims

[download our USA Claims Manual]

• Hospitalisation: direct payment to all hospitals in the world willing to accept our



payment guarantee;



• Outpatient claims: pay yourself & claim afterwards;



• In US: direct payment to all providers of the Olympus network (+1 305 459 4838),



outside the network: pay & claim. A 20% co-pay may be asked of you.

N Other claims: find claim forms [here] N Send bills, payment proofs, prescriptions and claim form to Expat&Co:

• Per post (including the originals);



• Electronically (may be refused);



• Conditions for electronic claims :



• Scans/copies must be complete and well readable



• Keep the originals for at least 1 year (for questions or audits)



• Top-Up is only possible if first sent to Mutual health fund



(send copies of all documents sent to Mutual fund + their reimbursement overview to Expat &Co) Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Taxes and Administration Costs N European taxes are applied according to the country of the policyholder’s address. Addresses outside Europe do not pay tax on Expat & Co policies. N Parafiscal taxes of 10% are applied in Belgium (RIZIV/INAMI tax):

• If insured’s residence is in Belgium;



• AND he/she has Belgian social security (Belgian Mutual health fund);



• A further 9,25% additional to Belgian fiscal taxes is applied to the following covers:

• €LP Hospital Plan

• All Assistance policies

N Expat & Co charges an administration cost of 10€ (5€ in GSI) for every new policy certificate or change.

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Expat & Co Products • Europat Local Plus: insurance package for expats • Europat Gold EU: insurance package for EU Officials • Global Student Insurance: insurance package for students, interns and university staff. Also used for au-pairs. • Global Family Insurance: insurance package for world travellers, low budget expats and other mobile people with temporary insurance needs. • Global Care Insurance: insurance package for NGO’s • Business Travellers Insurance: travel insurance for business travellers, conference organisers… • Schengen Zone Insurance: travel insurance for guests from outside Europe

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Product:

Schengen Zone Insurance

N About the Schengen Agreement:

• Under the Schengen Agreement participating countries have unified their borders under a common control. This means that in order to travel to countries in the



Schengen Zone, you will need to have a Schengen visa. • The European Union stipulates that in order to obtain a visa to the Schengen Zone



you must prove that you are insured for emergency treatment, hospitalisation,



urgent ambulance transportation and medical evacuation with a minimum



insurance amount of at least 30.000€



Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Product:

Schengen Zone Insurance

N Type of insurance: travel insurance package for visitors to the Schengen Zone. N Who can apply?

• Every sound and able-bodied person or company, without age limit;



• Travelling in and to Europe (Schengen Zone).

N How to apply?

• Individual underwriting [online]



• Collective underwriting [online]



• No medical questionnaire

N Possible premium fractions: single premium

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Schengen Zone Insurance

Product:

N Product schedule

• Module 1 – Medical Care



• hospitalization, outpatient treatment,

dental treatment



• Module 2 – Assistance



• Module 3 – Liability



• private liability and tenant liability

}

1 package, 3 modules, no possibility to skip one or more modules

• Option – Extended Zone



• cover in other European countries outside Schengen Zone



Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Product:

Business Traveller Insurance

N 1 VERSION, 2 TYPES • Single Entry vs. Multiple Entry

• Single Entry: 1 single trip to the Schengen Zone with a Single Entry visa;



• Multiple Entry: multiple trips to the Schengen Zone with a Multiple Entry visa;



• If you will be travelling from the Schengen Area into the Extended Area and



coming back to the Schengen Area, you should choose a Multiple Entry visa and



insurance.

N Possible periods (a Schengen visa is valid for maximum 90 days) • 7 day single entry; • 15 days single entry; • 31 days single entry; • 62 days single entry; • 90 days single entry; • 30 days multiple entries (over a period of 90 days); • 60 days multiple entries (over a period of 182 days); • 90 days multiple entries (over a period of 365 days). Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Product:

Schengen Zone Insurance

MODULE 1: Medical Care

• Necessary medical costs following an accident, illness (max. 30.000€ / trip); • No preventative care; • If applicable, first reimbursement by social security. Details:

• No private rooms;



• Pre-existing medical conditions are excluded;



• Nevertheless, sudden attacks or worsening of a chronical pre-existing illness are covered on condition that



you can prove, with a report of their treating doctor, prior to effective date of the contract, that you can



function normally, while following regularly treatment or therapy.

• Dental: 250 €/trip; • Psychotherapy and physiotherapy after trauma, max. 12 sessions (further sessions after company approval); • Deductible of 100€ (not for accidents).

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Product:

Schengen Zone Insurance

MODULES 2 & 3: Assistance & Liability

SZI covers Assistance in collaboration with the alarm centre:

• Medical evacuation/repatriation/sanitary transport;



• Repatriation of mortal remains;



• Legal assistance & advance of security deposit;



• Assistance in case of loss / theft of ID and travel documents.

SZI covers Private Liability & Tenant Liability (up to 20.000.000€ max.):

• Deductible: 100€;

Option: Extended Area

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Visit our Website: www.expatinsurance.eu to download documents

for claims information

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Visit our Website: www.expatinsurance.eu to get quotes and apply online

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Visit our Website: www.expatinsurance.eu to manage your files

to contact us

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A

Please note: these keynotes do not contain any guarantees. The only legally valid documents are our general conditions and policy schedule.

Insurance solutions as colourful as you are Expat & Co bvba | Noordkustlaan 12 | 1702 Groot-Bijgaarden (Dilbeek ) | Belgium www.expatinsurance.eu | FSMA 13633A