Globality cogenio

The Globality CoGenio plan comprises three plan levels: Classic, Plus and Top. The individual plan levels differ in regards to the type and amount of benefits agreed.

The following table of benefits is an extract of the complete scope of benefits and services.

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Scope of benefits: Inpatient treatment

Accommodation in a private or semi-private room

Medical treatment

Nursing care by qualified nursing staff as directed by a doctor

Other ancillary costs

Surgery (including outpatient surgery instead of inpatient treatment)

Drugs and dressings

Therapies/ physiotherapy, including massages

Therapeutic aids and appliances	such as cardiac pacemakers, if needed as a life-saving measure	such as cardiac pacemakers, if needed as a life-saving measure; in addition, reimbursement for therapeutic aids and appliances, such as artificial limbs/ prostheses up to € 2,000/ $ 2,600/ £ 1,680**

Medical treatment during pregnancy and childbirth, services of a midwife or obstetric nurse in the hospital, but excluding screenings during pregnancy		up to € 5,000$ 6,500/ £ 4,200**

Outpatient childbirth		lump sum of € 250/ $ 325/ £ 210 per newborn baby without proof of costs on presentation of the birth certificate	lump sum of € 500/ $ 650/ £ 420 per newborn baby without proof of costs on presentation of the birth certificate

Chemotherapy, oncological drugs and treatment (e.g. for cancer patients)	up to € 50,000/ $ 65,000/ £ 42,000**	up to € 100,000/ $ 130,000/ £ 84,000**

Transport to the nearest suitable hospital for initial treatment following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation

Bone marrow and organ transplants		up to a maximum of € 200,000/ $ 260,000/ £ 168,000 for the duration of the contract

Psychiatric treatment	provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences

Inpatient psychotherapy		provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences

Parent rooming-in during inpatient treatment of an underage child

Nursing care at home and domestic help		up to a period of 7 days	up to a period of 14 days

Substitute cash plan benefit for inpatient treatment actually received, but for which no benefits have been claimed from use		€ 50/ $ 65/ £ 42 per day	€ 100/ $ 130/ £ 84 per day

Inpatient follow-up rehabilitation		up to 14 days**	up to 21 days**

Hospice			up to 7 weeks

Scope of benefits: Outpatient treatment*

Medical treatment

Chemotherapy, oncological drugs and treatment (e.g. for cancer patients)

Screenings for early detection of illnesses, particularly • for early detection of cancer, • for early detection of cardiovascular disease, kidney disorders and diabetes, • to ensure a child’s normal physical and mental development		up to € 250/ $ 325/ £ 210**	up to € 500/ $ 650/ £ 420**

Vaccinations of every kind, including the vaccines and prophylactic measures, insofar as these are recommended for the applicable country of residence		up to € 250/ $ 325/ £ 210**

Pregnancy including preventive screenings and childbirth, midwife and obstetric nurse		up to € 2,000/ $ 2,600/ £ 1,680**

Acupuncture (needle technique), homeopathy, osteopathy and chiropractic, including drugs and dressings		up to € 500/ $ 650/ £ 420**	up to € 1,000/ $ 1,300/ £ 840**

Services of a speech therapist		provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences

Psychiatric treatment	provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences	provided that we have agreed in writing to pay benefits before treatment commences

Outpatient psychotherapy		up to 20 sessions provided that we have agreed in writing to pay benefits before treatment commences**	up to 20 sessions provided that we have agreed in writing to pay benefits before treatment commences**

Drugs and dressings

Therapies/ physiotherapy, including massages

Therapeutic aids and appliances		up to € 2,000/ $ 2,600/ £ 1,680**

Vision aids		up to € 100/ $ 130/ £ 84**	up to € 200/ $ 260/ £ 168**

Transport to the nearest suitable doctor or hospital for initial treatment following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation

Infertility treatment		50 % up to maximum of € 7,500/ $ 9,750/ £ 6,300 per insured couple for the duration of the contract	50 % up to a maximum of € 15,000/ $ 19,500/ £ 12,600 per insured couple for the duration of the contract

Scope of benefits: Dental treatment

Screenings for early detection of disorders of the teeth, mouth and jaw

Dental treatment	pain relieve treatment	including inlays	including inlays

	Reimbursement of 50 % for the following benefits if needed as a result of an accident	Reimbursement for the following benefits up to € 2,000/ $ 2,600/ £ 1,680**	Reimbursement for the following benefits up to € 5,000/ $ 6,500/ £ 4,200**

Dentures (e.g. prostheses, bridges and crowns)

Implants	up to four implants per jaw and the dentures to be secured to these implants	up to four implants per jaw and the dentures to be secured to these implants	up to four implants per jaw and the dentures to be secured to these implants

Performances relating to analysis and therapy of dental function

Orthodontic performances

Dental laboratory work and materials

Compilation of a plan of treatment and costs

Scope of benefits: Medical assistance

24-hour phone and e-mail service with experienced counsellors, own doctors and specialists

Medical evacuation and repatriation

Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)

Support and information (by our medical service, second opinion, monitoring of the course of the illness)

Assumption of costs guarantee and/ or payment of an advance (preparation for a stay in hospital)

Organizational support in case of bereavement, share of repatriation costs	up to € 2,500/ £ 2,100	up to € 5,000/ $ 6,500/ £ 4,200	up to € 10,000/ $ 13,000/ £ 8,400

Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness)

Online services

Scope of benefits: Additional assistance

Additional support
• Procurement and shipment of vital medication
• Organizing visits to the patient	up to € 1,500/ $ 1,950/ £ 1,260**	up to € 3,000/ $ 3,900/ £ 2,520**

Organizing return transport or care for the children

Help with psychological problems possibly attributable to the stay abroad	psychological and therapeutic help by telephone; up to 3 calls**	psychological and therapeutic help by telephone; up to 5 calls**

Document depot (safe custody, help in obtaining replacements)

Organizing help in the event of legal difficulties

Procurement of intercultural training

Included Not included Additional information.

* Classic: With a deductible of € 250 per insured person and insurance year.
** The mentioned maximum amounts, maximum periods and lump sums apply per insured person and insurance year.