Critical Treatment
Full coverage for all critical treatments including cancer, cardiac, neurosurgery, and transplants.
Worldwide
from €0.00
Yes, please
Critical Treatment
Access world-class care when it matters most
Overview
Critical treatment insurance gives you and your family access to world-renowned medical centers for serious health conditions—cancer, cardiac surgery, neurosurgery, and organ transplants. Our plans are designed for those who want the best care available, regardless of where it's located.
Benefits include second opinion services, daily allowances during treatment, and travel and lodging support for you and a companion. Plans range from basic (cancer focus) to comprehensive (all conditions). A short health declaration is required at purchase. Coverage is available for applicants aged 18–65.
Critical Treatment Plans
Choose the level of coverage that fits your needs
Critical Treatment FAQs
Applicants aged 18–65 who pass the health declaration are generally eligible. The declaration assesses prior diagnoses, current treatments, and recommended but not yet performed procedures. We'll inform you immediately if we cannot offer coverage.
Most plans have a 60–90 day waiting period from policy start before benefits apply. This is standard in critical illness insurance to prevent adverse selection. Your policy document will specify the exact period.
Treatment must be at one of our network facilities to receive full benefits. Our network includes leading centers in many countries. We'll help coordinate care and approvals—contact our case management team for guidance.
Schedule of Benefits
Per insured person. Amounts in EUR or USD as per your certificate.
Sum insured: 500.000 EUR/USD
Medical expenses (injury or sudden illness)
Hospital room & board (semi-private)Paid in full
Persons over 70 years100.000
Sports / motorized 2–3 wheel injuries100.000
Pre-existing condition acute exacerbation30.000
Pregnancy complications (up to 20th week)15.000
Intensive / cardiac carePaid in full
Surgery, surgeon, anesthesia, X-ray, labPaid in full
AmbulancePaid in full
Prescription drugsPaid in full
Emergency dental (accident)Paid in full
Palliative dental250
Medical transportation
Emergency medical evacuation & repatriationPaid in full
Repatriation or burial locally25.000
Emergency medical reunion5.000
Continuation (return to host country)5.000
Compassionate repatriation5.000
Non-medical benefits
Trip delay (12h+)2.000
Hospitalization daily allowance50/24h, max 1.000
Missed connection1.000
Loss of luggage2.000
Luggage delay100/day, max 300
Lost or stolen passport100
Third party liability500.000
Legal expenses10.000
Accidental death & dismemberment25.000
Trip cancellation / interruption5.000 (ded. 100)
COVID-19 cover
Covers medical evacuation, PCR test if prescribed, treatment including hospitalization and medication, and complications. Subject to section limits; max 100.000 in aggregate.
COVID-19 tests & treatment (aggregate)100.000