Health Care Program

• Created to meet the needs of every employee and their family following an illness or bodily injury due to an accident
• Provides protection against economic loss
• Pays expenses in case of hospitalization
• Offers the option of outpatient coverage
• Provides the ability to add benefits

Inpatient coverage - coverage for medical incidents requiring hospitalization

• Global Coverage
• Provides some outpatient benefits, such as preoperative screening, post-operative expenses and first treatment of an accident.
• Provides additional benefits and bonuses such as birth allowance, ambulance transport and  daily allowance for free of charge treatment.
• Offers travel medical assistance abroad
• Medical call center

Outpatient coverage - coverage for medical emergencies that do not require hospitalization

• Outpatient care, such as doctor’s fees, medicine, diagnostic tests, etc.

• Ability to choose any country for treatment without additional costs (including the US and Canada)
• Ability to choose predefined annual coverage up to €2.000.000
• Ability to choose predefined annual outpatient coverage up to €3.500
• Ability to choose the hospital or clinic or doctor (no restrictions on hospital lists)
• Hospital charges may also be paid by invoice
• The basic part covers some outpatient benefits (such as preoperative screening, postoperative costs, and first accident care). This way, the annual limit of other outpatient benefits is not affected.
• Medical advice is offered 24 hours a day through a medical call center
• Travel medical assistance is offered abroad.
• Includes the “hospital stay without care” benefit
• No upper limit on the number of hospital days
• Coverage is offered to dependent students in Cyprus and abroad, up to the age of 30