At Opcover, we understand the unique challenges of seeking medical treatment abroad. That’s why our insurance policies are designed to offer you robust protection and peace of mind throughout your journey.
Additional medical or surgical treatment. If complications arise from your approved medical procedure, we cover the costs of additional medical or surgical treatments required as a direct result, ensuring you receive the care you need without financial stress.
Medical or surgical treatment for unsuccessful outcomes. If the original treatment has not achieved the intended results we ensure that you are not financially burdened by the need for follow-up treatments to achieve the desired medical outcome.
Additional medical or surgical treatment due to a thrombosis. Thrombosis is a potentially serious complication that can occur after surgery, and we ensure that if you develop such a condition, they will receive coverage for any additional medical interventions or treatments needed to address it
Accidental death. We include benefit for accidental death or dismemberment, offering financial support in the event of severe injury or loss of life, helping you and your family cope with the aftermath.
24 Hour – emergency medical assistance service. Our 24/7 emergency assistance service is here to guide you to the nearest suitable medical facility, arrange necessary medical evacuations, and coordinate with your family to keep them informed and supported.
Additional expense. In case you need to extend your stay due to complications from treatment, we’ll cover additional costs for travel, meals and accommodations.
Emergency Medical Transportation. If you require immediate medical attention that cannot be adequately provided at your current location, we will cover the cost of transportation, which may include ambulance services, air ambulances, or other suitable modes of emergency transport.
Repatriation of mortal remains. In the unfortunate event of death, we cover the expenses involved in repatriating your mortal remains to your home country, providing support to your loved ones during difficult times.
Trip cancellation (outbound only). We cover your outbound trip cancellation costs if can’t travel due to illness or injuries.
Accommodation. We provide coverage for accommodation expenses you need to stay longer than initially planned due to medical reasons. It could include covering costs for extended hotel stays if recovery time is longer than expected, or if additional medical treatment is required post-surgery.
Travel companion coordination. We cover the costs related to the companion’s travel, accommodation, and support services. This includes ensuring that the companion can stay near you and receive guidance on how to assist in the medical situation.
Procedures that are not medically necessary or that have not been pre-approved as part of your plan.
Injuries resulting from engaging in high-risk activities such as extreme sports.
Coverage excludes neuroses, psychoneuroses, psychoses, and related mental or emotional disorders.
Any claims resulting from war, acts of terrorism, or related incidents.
Conditions that existed before the start of your coverage are not included.
Treatments that haven’t been approved by this policy.