Corporate Indemnity Health Insurance Plan
Corporate Indemnity Health Insurance Plan (Available only for surgical procedures performed in Spain)
Reimbursement insurance to worldwide citizens covering elective surgery
In response to the continuing increase of international patients seeking international health care, because of:
BAC Medical Tourism partnered and contracted with Europe Healthcare Providers to create the Corporate Indemnity Health Insurance Plan with the purpose of satisfying to the fullest the international market needs at an affordable rate.
This plan is available and aimed specifically at:
Characteristics of the Corporate Indemnity Health Insurance Plan:
Annual premium per person:
Group discounts:
BACMT's and Europe Healthcare Providers’ Corporate Indemnity Health Insurance Plan was created, keeping in mind the surgery costs in Spain guaranteeing its efficiency, when it comes to covering most elective major surgeries within neurosurgery, spine and scoliosis, cardiac surgery and orthopedics (hip and knee). With that said, purchasing the Corporate Indemnity Health Insurance Plan can represent a full medical coverage, reflecting an immediate result in the company’s or insurers cost savings on medical treatment combined with the best quality medical care available outside the USA.
With BACMT's and Europe Healthcare Providers’ Corporate Indemnity Health Insurance Plan, you will have all the advantages on your side. Because Europe Healthcare Providers is based in Barcelona, Spain, they have the direct tools and deepest know-how to address each case uniquely and refer you to the best doctors from several hospitals and clinics in Barcelona. Also, this means that they can physically solve any issue in a minimum amount of time, offering you a clean, hassle-free experience, with a feeling that you cannot be in better hands. Additionally, they have a deep understanding of local legal issues, constantly checking for updates on Patient Privacy Protection regulations. Finally, throughout their extensive network in all of Spain, they can find out any suitable treatment at an affordable price that you can ask for.
* RISKS EXCLUDED IN EVERY CASE: This policy does not cover expenses incurred by process due to:
a) Acquired illnesses and their after-effects manifested before the policy coverage came into force, even if a correct diagnosis had not been established.
b) Congenital anomalies, disabilities, physical or mental disabilities or imperfections already in existence before the policy came into force. The consequences or after-effects of accidents that occurred before the policy came into force are not covered either.
c) Mental illnesses, behavioral and nervous disorders. Regular medical examinations, check-ups and stays in spas or sanatoriums.
d) Reconstructive or plastic surgery, except in the case of necessary operations as a consequence of an accident occurring during the life of the policy and for the purpose of repairing damages. Nor will the policy cover weight loss programs, sterilization of either sex, in vitro fertility or artificial insemination treatments.
e) Alcoholism, drug addiction, and their treatment or rest cures, AIDS and/or diseases caused by the human immunodeficiency virus (HIV).
f) Prostheses of any kind as well anatomical orthopedic pieces. The following are covered: heart valves, pacemakers, hip prostheses, vascular by-pass prostheses, internal traumatology prostheses.
g) Hemodialysis. Peritoneal dialysis. The insurer will pay for treatment in special hemodialysis and peritoneal dialysis units for a one year period following the Insurer’s first treatment.
h) Participation of the insured in bets, challenges or fights, except, with regard to the latter, in case of legitimate defense or efforts to save people or property. Suicide attempts and self-harm are also excluded.
i) Radiation of any type, especially resulting from atomic nucleus modification, except when due to medical treatment.
j) War, invasion, hostilities (with or without declaration of war), as well as those due to forces of nature such as earthquakes, hurricanes, volcanic eruptions and any other extraordinary or catastrophic phenomena.
k) Officially declared epidemics.
l) Abortion and voluntary interruption of pregnancy, as well as, its consequences and after-effects.
Reimbursement insurance to worldwide citizens covering elective surgery
In response to the continuing increase of international patients seeking international health care, because of:
- Increasing costs in their home country.
- Long surgery waiting lists.
- Elective procedures not allowed by their national regulations (i.e., FDA in the USA).
- High medical technology and new treatments not yet available in their home country.
BAC Medical Tourism partnered and contracted with Europe Healthcare Providers to create the Corporate Indemnity Health Insurance Plan with the purpose of satisfying to the fullest the international market needs at an affordable rate.
This plan is available and aimed specifically at:
- Companies that want to offer their employees a complementary insurance plan that fulfills potential surgical needs not included in their current insurances.
- Self-insured companies to fulfill potential surgical needs at a low cost and risk-free rate.
- Insurance companies that would like to have in their portfolio a straight forward solution to market demands.
Characteristics of the Corporate Indemnity Health Insurance Plan:
- Type of surgery included: Any and all, apart from some exceptions*
- Age range: From 1 to 60 years old
- Reimbursement schedule: 90% reimbursement of hospitalization costs, if the patient is admitted for a surgical intervention.
- Insured: Any citizen of the world.
- Territory: Surgery to be performed in a hospital located in Spain.
- Waiting Period: Six months
- Coverage (Insured sum):
- Up to 60.000 € (approx. $82,000) for hospital expenses / professionals
- Up to 10.000 € (approx. $13,700) for intensive care unit (ICU) expenses
- Optional coverage:
- Travel expenses: Up to 3.000 € (approx. $4,100, without deductible)
Note: For prearranged hospital and treatment fees that are less or equal to 10.000 € (approx. $13,700) the maximum travel expenses coverage is 1.000 € (approx. $1,400). For prearranged hospital and treatment fees that are more than 10.000 € (approx. $13,700) the maximum travel expenses coverage is 3.000 € (approx. $4,100).
- Travel expenses: Up to 3.000 € (approx. $4,100, without deductible)
- Hospital cash daily allowance: 200 € (approx. $270) from third day of hospital stay until the 365th day
Annual premium per person:
- Indemnity coverage - $1,400
- Travel expenses coverage - $350
- Hospital cash daily allowance coverage - $500
Group discounts:
- From 50 to 99 Insured - 5%
- More than 100 Insured - 10%
BACMT's and Europe Healthcare Providers’ Corporate Indemnity Health Insurance Plan was created, keeping in mind the surgery costs in Spain guaranteeing its efficiency, when it comes to covering most elective major surgeries within neurosurgery, spine and scoliosis, cardiac surgery and orthopedics (hip and knee). With that said, purchasing the Corporate Indemnity Health Insurance Plan can represent a full medical coverage, reflecting an immediate result in the company’s or insurers cost savings on medical treatment combined with the best quality medical care available outside the USA.
With BACMT's and Europe Healthcare Providers’ Corporate Indemnity Health Insurance Plan, you will have all the advantages on your side. Because Europe Healthcare Providers is based in Barcelona, Spain, they have the direct tools and deepest know-how to address each case uniquely and refer you to the best doctors from several hospitals and clinics in Barcelona. Also, this means that they can physically solve any issue in a minimum amount of time, offering you a clean, hassle-free experience, with a feeling that you cannot be in better hands. Additionally, they have a deep understanding of local legal issues, constantly checking for updates on Patient Privacy Protection regulations. Finally, throughout their extensive network in all of Spain, they can find out any suitable treatment at an affordable price that you can ask for.
* RISKS EXCLUDED IN EVERY CASE: This policy does not cover expenses incurred by process due to:
a) Acquired illnesses and their after-effects manifested before the policy coverage came into force, even if a correct diagnosis had not been established.
b) Congenital anomalies, disabilities, physical or mental disabilities or imperfections already in existence before the policy came into force. The consequences or after-effects of accidents that occurred before the policy came into force are not covered either.
c) Mental illnesses, behavioral and nervous disorders. Regular medical examinations, check-ups and stays in spas or sanatoriums.
d) Reconstructive or plastic surgery, except in the case of necessary operations as a consequence of an accident occurring during the life of the policy and for the purpose of repairing damages. Nor will the policy cover weight loss programs, sterilization of either sex, in vitro fertility or artificial insemination treatments.
e) Alcoholism, drug addiction, and their treatment or rest cures, AIDS and/or diseases caused by the human immunodeficiency virus (HIV).
f) Prostheses of any kind as well anatomical orthopedic pieces. The following are covered: heart valves, pacemakers, hip prostheses, vascular by-pass prostheses, internal traumatology prostheses.
g) Hemodialysis. Peritoneal dialysis. The insurer will pay for treatment in special hemodialysis and peritoneal dialysis units for a one year period following the Insurer’s first treatment.
h) Participation of the insured in bets, challenges or fights, except, with regard to the latter, in case of legitimate defense or efforts to save people or property. Suicide attempts and self-harm are also excluded.
i) Radiation of any type, especially resulting from atomic nucleus modification, except when due to medical treatment.
j) War, invasion, hostilities (with or without declaration of war), as well as those due to forces of nature such as earthquakes, hurricanes, volcanic eruptions and any other extraordinary or catastrophic phenomena.
k) Officially declared epidemics.
l) Abortion and voluntary interruption of pregnancy, as well as, its consequences and after-effects.
