Generali’s Global Choice plan is an international private medical insurance plan for groups. The plan is available in three denominations (£, US $ and Euros) and with a maximum benefit of $1m (Select), $3m (Classic) or $4.5m (Premier) – or equivalents.
The core plan covers the following, (paid in full unless otherwise shown) for a top of the range $4.5m plan (some limits vary by cover level):
* Hospital charges
* Rehabilitation and therapies (max 180 days).
* Organ transplant.
* Acute chronic episodes.
* Reconstructive surgery.
* Parent accommodation.
* Child accommodation.
* Pregnancy related medical conditions.
* New born care.
* Inpatient psychiatric/psychotherapy. Up to 90 days.
* Congenital disorders.
* Home nursing. Up to 180 days.
* Hospice care.
* Inpatient emergency dental treatment.
* Hospital cash. $300 per night.
* Ambulatory services.
* Emergency assistance and evacuation and repatriation services.
* Compassionate travel. Two economy class tickets.
* Repatriation of mortal remains. Max $13K.
* Emergency cover outside area of coverage. Max $60K.
* Emergency outpatient care. Max $1K.
* Outpatient surgery.
* CT/MRI/PET scans.
* Cancer care.
* Renal dialysis.
Once the core plan on inpatient benefits is chosen, outpatient benefits are then added (again three cover levels but labelled Advance, Elite and Prestige) (again for the top plan):
* Outpatient consultations.
* Diagnostic tests.
* Chronic condition management.
* Physiotherapy. Max 30 sessions.
* Drugs and dressings.
* HIV/AIDS. Max $20K
* Durable medical equipment. Max $5K.
* Complementary treatment. Max $5K.
* Dietician/nutritionalist. Max $500.
* Speech therapy.
* Hearing aids. Max one per lifetime.
* Early onset HRT
* Psychiatric treatment and psychotherapy. Max $5K.
Finally, optional extras can be added at an additional cost, including fertility treatment, vision and dental cover, wellness screening and maternity cover.
Specific benefits can be chosen for three or more members of the group, so firms can offer differential cover for different employee levels for example.
There is a multi-platform web portal with a range of online tools to enable customers to access information, make policy changes, make and track claims and get approval for hospital stays upfront.
What They Say
Head of Generali Global Health, Marco Giacomelli, said: “We believe Global Health is one of the most flexible products on the market today. Its modular benefit structure means customers can tailor their plan around the needs of their workforce, even down to assigning a specific set of benefits to three or more members of the same group. Moreover, the product’s innovative pricing mechanism is more transparent, stabilises premiums from the fluctuations seen in standard age-band pricing and therefore, gives budget holders more control.”
What We Say
"The iPMI market offers a wide range of covers for both individuals and employers. Generali’s new plan looks to offer good comprehensive cover, using the now common form of a core plan to which you add the additional benefits you want and can afford.
"The benefits cover the key needs of employees living and working abroad and, despite the potential complexity, the plan is set out in a logical and understandable way.
"In addition, the online tools enable plan management, claim action and monitoring and include a wide range of useful information too.
"One minor criticism is the naming of the various options, which just seems to add unnecessary complexity, especially as some are names and others are numbers."