EuroSanté has been specially designed to meet the needs of employees of European institutions (which number perhaps 150,000 or more, although the core civil service is much smaller at around 33,000 people). The plan essentially supplements the EU’s Joint Sickness Insurance Scheme (JSIS), which reimburses members for around 80% of their eligible medical expenses.
EuroSanté pays the difference between what JSIS pays the member and the actual cost of their treatment, subject to the plan’s overall annual limit. Three versions are available, offering:
* Optimum. Covers both in/day and outpatient treatment and includes dental treatment (which is limited to €800 for the first two years).
* Equilibre. As Optimum but does not cover additional therapies/treatments or dental treatment (except for orthodontics and dental prostheses).
* Tranquillité. Excludes all outpatient treatment.
The maximum annual benefit for the three versions are €1,500,000, €1,250,000 and €1,000,000 respectively within the EEA but all versions are limited to €25,000 outside the EEA.
Premiums vary by age and type of cover. They range from €57 to €412 a year for those aged 18 or under, up to €172 to €1,248 a year for someone aged 61-67. Other local taxes may apply in addition, depending on where the member lives. The Optimum and Equilibre plans can be paid monthly or quarterly as well as annually.
Members get access to multilingual online services, with direct settlement for inpatient treatment being available. Allianz says 98% of claims forms are processed within 48 hours. Claims are paid in the currency chosen by the member. Before a claim can be submitted to Allianz, the member must receive the JSIS reimbursement. Cover is worldwide.
If the member has been covered by the JSIS for more than 13 months, an additional medical questionnaire will need to be completed.
What They Say
Head of inter-governmental organizations’ Hendrik Boelens said: “We already have a strong presence in the IGO market, so providing supplementary cover to staff employed by European institutions was a natural extension of our existing offering. Allianz Worldwide Care has developed EuroSanté as one of the strongest supplementary insurance plans available in this market, offering individuals greater choice than ever before as well as a market leading level of service.”
What We Say
"People who work for European Institutions get the benefit of the JSIS system, but that only pays them around 80% of their eligible treatment costs. They then need to either make up the shortfall themselves (there are some exceptions, where JSIS pays the full amount - if you suffer a workplace related illness for example) or insure the difference. This plan meets that need and, as soon as JSIS pays out, the member can claim again their EuroSanté plan, with Allianz saying 98% of such claims are processed within 48 hours.
"This plan is designed for a limited market, but that group is probably bigger than you think, and many workers will both be well-paid and aware that top-up insurance can make good sense for them. Premiums are cheap relative to full iPMI, but then benefits are more restricted too.
"Overall, this is a simple to understand and buy plan that should meet a real need."