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