Accident and Health
Medical Insurance
Medical Insurance
“It is health that is real wealth and not pieces of gold and silver” Mahatma Gandhi
Health, the most precious gift bestowed by nature upon humanity. Health is the foundation of life, enabling dreams to be dreamed, futures to be planned, life to be lived, families to be formed, and dreams, thoughts, and goals to be realized.
With health as an ally in life's journey, the joy of raising a family, their success, and the enjoyment of grandchildren are assured.
Humans do everything possible to protect their health. However, even the most perfect person cannot always guarantee it. It is impossible for anyone to have absolute immunity to the failing of health, and if it happens, the shock can be devastating – not only on the sufferer’s physical condition, but also financially with crippling and unaffordable costs for rehabilitation.
Ypera Insurance, as part of its policy to offer the ideal insurance plans to meet its clients’ needs – offers solutions to undertake the financial burden with its Medical Insurance program.
Contact us without delay, and a specialized Insurance Agent will assist you in choosing the right Medical Insurance plan for you and your family.
e-mail:[email protected]
INSURANCE COVERAGE
- Maximum Annual Limit from €100.000 to €2.000.000
- Worldwide Coverage excluding USA and CANADA
- Worldwide Coverage
- In Patient Care
- Hospital Charges and Theatre Fees
- Chemotherapy and Radiotherapy Treatment
- Outpatient Surgical Procedures
- Outpatient Treatment of an Accident
- Organ Transplantation
- Reconstructive Surgery after an accident
- Reconstructive Surgery after Mastectomy due to cancer
- Pre and Post Operative Expenses
- Childbirth Allowance
- New Born Allowance
- Diagnostics Endoscopies
- Air Ambulance
- Ambulance
- Repatriation of Mortal Remains in Cyprus
- Dilatation and Curettage(D+C)
- Home Nursing
- Diagnostic Coronary Catheterization/Coronary Angiography
- Rehabilitation Center
- Daily allowance for free treatment
- Hospitalization without treatment
- Accommodation costs of a Parent
- Dental Care after an Accident
- Check up
- Critical Illness
- Global Emergency Services –Assist America
- Second Medical Opinion
|
SHEDULE OF BENEFITS |
||||||
|
SILVER |
GOLD |
PLATINUM |
WORLD WIDE |
STUDENT |
||
|
€ |
€ |
€ |
€ |
€ |
||
|
INSURANCE COVERAGE |
WorldWide Excluding USA&Canada |
WorldWide Excluding USA&Canada |
WorldWide Excluding USA&Canada |
Wold Wide |
WorldWide Excluding USA&Canada |
|
|
2.1 |
MAXIMUM ANNUAL LIMIT |
150.000 |
1.000.000 |
1.500.000 |
2.000.000 |
100.000 |
|
2.2 |
INPATIENT CARE |
|||||
|
2.2.1 |
Hospital Charges and Theatre Fees |
100% |
100% |
100% |
100% |
100% |
|
2.2.2 |
Surgeon's/Assistant surgeon/ Anesthetists Fees |
Based on Attached List |
||||
|
2.2.3 |
Chemotherapy and Radiotherapy Treatment |
100% |
100% |
100% |
100% |
100% |
|
2.2.4 |
Outpatient surgical Procedures |
1,000 |
100% |
100% |
100% |
2,000 |
|
2.2.5 |
Outpatient Treatment of an Accident |
100% |
100% |
100% |
100% |
100% |
|
2.2.6 |
Organ Transplantation, up to |
150,000 |
250,000 |
300,000 |
400,000 |
100,000 |
|
2.2.7 |
Reconstructive Surgery |
|||||
|
a. |
Reconstructive Surgery will be covered if it is necessary after an accident |
100% |
100% |
100% |
100% |
— |
|
b. |
Mastectomy due to cancer that was covered as an inpatient |
100% |
100% |
100% |
100% |
100% |
|
2.3 |
PRE AND POST OPERATIVE EXPENSES |
|||||
|
2.3.1 |
Pre-Operative diagnostic tests and consultation |
400 |
650 |
800 |
5,000 |
200 |
|
2.3.2 |
Post Operative Expenses |
|||||
|
a. |
Diagnostics tests and medication |
|||||
|
b. |
Physiotherapy (Amount included in 2.3) |
200 |
300 |
400 |
1,000 |
200 |
|
2.4 |
ALLOWANCES AND OTHER BENEFITS |
|||||
|
2.4.1 |
Childbirth allowance |
1,500 |
2,000 |
2,500 |
3,000 |
0 |
|
2.4.2 |
New born Allowance |
100 |
150 |
200 |
300 |
0 |
|
2.4.3 |
Diagnostics Endoscopies |
300 |
450 |
600 |
1,000 |
300 |
|
2.4.4 |
Air Ambulance, up to |
— |
1,000 |
2,000 |
3,000 |
— |
|
2.4.5 |
Ambulance, up to |
250 |
400 |
500 |
1,000 |
250 |
|
2.4.6 |
Repatriation of Mortal Rermains in Cyprus, up to |
1,000 |
3,000 |
4,000 |
5,000 |
0 |
|
2.4.7 |
Dilatation and Curettage (D+C) |
350 |
400 |
500 |
1,000 |
350 |
|
2.4.8 |
Home Nursing, up to 20 days annually |
50 per day |
80 per day |
100 per day |
125 per day |
— |
|
2.4.9 |
Diagnostic Coronary Catheterization/Coronary Angiography |
1.000 |
1.200 |
1.700 |
2.000 |
1.000 |
|
2.4.10 |
Rehabiliation Center, up to 30 days annually |
30 Days 80 per day |
30 Days 150 per day |
45 Days 200 per day |
60 Days 250 per day |
30 Days 75 per day |
|
2.4.11 |
Daily Allowance for free treatment, per Treatment up to |
80 per day |
100 per day |
150 per day |
200 per day |
— |
|
2.4.12 |
Hospitalization without treatment |
One day Accomodation |
||||
|
2.4.13 |
Accomodation costs of a Parent |
100% |
100% |
100% |
100% |
— |
|
2.4.14 |
Dental Care after an Accident, up to |
800 |
1.500 |
2.000 |
2.500 |
800 |
|
2.4.15 |
Coverage outside the Geographical Area |
YES |
YES |
YES |
WW |
YES |
|
2.4.16 |
Check Up, up to |
— |
75 |
125 |
300 |
— |
|
2.4.17 |
Critical Illnesses, paid only once |
— |
8.000 |
10.000 |
15.000 |
— |
|
Where "100% Total Compensation" is to be understood as compensation based on the Reasonable and customary charges, Charges Beyond Reasonable And Customary will not be compensated. The Schedule of Benefits is to be read and interpreted always in conjunction with the definitions, coverages and exclusions of the Policy. |
||||||
As much precautious you may are at workplace, at home or elsewhere accident risk is luring. Do not let the loss harm you financially, rely on Ydrogios.
Covers
Main Cover
- Death by accident
Additional Covers
- Permanent Total Disability
- Permanent Partial Disability
- Temporary Total Disability
- Medical Expenses
Optional Covers
- Medical Devices
- Home Modifications Extended
- Coverage for hazardous sports
- Transportation from and to board
- Reputruction of mortal remains
- Travel cost of accompany family member
Extension Covers
- Dread diseases (32 Diseases)
- Death Allowance (Legal Advisor Benefit, Property Administration Benefit, Funeral Benefit, Family Benefit, Forensic Expenses Benefit)
- Global Emergency Services (Assist America)
- Second Medical Opinion
Note: Available as a Group Policy
Insurance is mandatory from 01/02/2004 and is the responsibility of the employers.
- Coverage is provided for both Inpatient and Outpatient Care
- Coverage limits are set by the Legislation.
Basic Covers
| 1. | Maximum limit per accident or illness In-Hospital treatment per period of insurance and Per Person |
8.550€ 13.700€ |
| 1a. | Hospitalization(Room and Board) Per Day | 70€ |
| 1b. | Hospitalization (Room and Board) Per Day for Intensive Care | 175€ |
| 2. | Maximum Limit Per Accident or Illness for outpatient treatment per period of insurance and per person |
685€ 1.710€ |
| 2a. | Maximum amount per doctor’s visit | 18€ |
| 3. | Maternity Cover (Normal or Caesarian Section). The cover is payable only if: |
|
| 3a. | The delivery takes place at least 10 months from the commencement of cover | |
| 3b. | In case of termination of employment the commencement of pregnancy took place within the period of coverage(indemnity period) in conjunction with (a) above Lump Sum | 515€ |
| 4. | Transportation of corpse | 3.420€ |
PERCENTAGE COVER: 90%
Basic Coverage:
- Death by Accident €5.000
- Transportation of Corpse €3.500
- Employer Responsibility for Domestic Assistance
Optional Covers:
- Costs for replacing the Foreign Employee €1.000
- Extend of Coverage for burial in Cyprus
- Suicide Cover
Consent Personal Data