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At A+ International, because we believe that your health comes first, we have included in our health plans the most important features. Whatever your choice, you are covered for:

Inpatient and day-patient care
Organ transplant
Cancer treatment
Chronic conditions
Psychiatric care
AIDS/HIV  
Evacuation and repatriation for individuals


For a complete list of our terms, please download our General Conditions.

This is a summary of major exclusions applicable to A+ International plans. For full details, please refer to the General Conditions.

Medical Plans

Pre-existing conditions unless accepted at time of enrolment.
Non-prescribed medical treatments.
Periodic preventive health examinations except those explicitly mentioned in the table of medical benefits.
Complementary and/or alternative medical treatments other than those explicitly mentioned in the table of medical benefits.
Expenses resulting from maternity and child birth during the first 12 months after the individual inception date of cover (unless explicitly waived in the special conditions).
Non-prescribed drugs.
OTC (‘over-the-counter’) medicines : lifestyle products, dietary products, etc.
Contraceptive and birth control drugs, even if prescribed by a physician.
Costs related to abortion except in the case of absolute medical necessity.
Cosmetic/aesthetic treatment except restorative treatment following an accident.
Elective caesarean delivery expenses.
Consequences of drug-addiction and alcoholism.
Expenses resulting from any kind of competition involving motor vehicles.
Consequences of the insured participating in any sport as a professional or under a contract providing remuneration, as well as any preparatory training to such activities.

Evacuation/ Repatriation

Costs incurred without the prior agreement of our Assistance service.
The consequences of illnesses or benign lesions that can be treated on the spot.
Evacuation / repatriation as a consequence of psychiatric conditions.
The Insured’s participation in any sport as a professional or under a contract providing for remuneration, as well as any preparatory training.
The consequences of an accident during the Insured’s participation in an air sport (including hang gliding, paragliding, gliding) or in any of the following sports: skeleton, bobsleigh, ski-jumping, mountain-climbing with roping, rock-climbing, skin diving with self-contained apparatus, spelunking, bungee-jumping, skydiving.

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Evacuation and repatriation: Medical evacuation and repatriation cover for Individual enrolment included (optional for Groups). Emergency medical evacuation and repatriation benefits and transportation of mortal remains or burial at the place of death, compassionate visit and return of minor children are included.
Psychiatric care: Outpatient psychiatric care reimburses care prescribed by or performed by a Doctor. The covered amount includes fees of the Doctor and/or (treatment fees of) the Medical Practitioner. For your benefits, related drugs are covered separately according to the provisions of prescribed drugs. The following expenses will also fall under the same heading as outpatient psychiatric care: ergotherapy, logopaedics and/or speech therapy, occupational therapy.
Chronic conditions: Sickness, illness, disease or injury which has one or more of the following characteristics:
• is recurrent in nature;
• is without a known, generally recognised cure;
• is not generally deemed to respond well to treatment;
• requires palliative treatment;
• requires prolonged supervision or monitoring;
• leads to permanent Invalidity.
Cancer treatment: If an insured is diagnosed with cancer as defined below, the insurer will reimburse the reasonable and customary charges incurred for the medically necessary treatment of cancer performed at a legally registered cancer treatment centre subject to the limit of this disability as specified in the Schedule of Benefits. Such treatment (e.g. radiotherapy or chemotherapy, consultation, examination tests, take home drugs, excluding experimental treatment) must be received as an inpatient or as an outpatient at a Hospital or a registered cancer treatment centre following discharge from Hospital confinement or surgery.
Organ transplant: reimburses reasonable and customary charges incurred on transplantation surgery for the Insured being the recipient of the transplant of an organ. Payment for this Benefit is applicable whilst the Policy is in force and shall be subject to the limit as set forth in the Schedule of Benefit. The covered amount includes doctors' fees, hospital accommodation (standard private room) and other related medical expenses during the hospital stay. Prior approval from the insurer’s medical consultant is always required. The following expenses are excluded from cover: costs related to the search for a donor; costs for acquisition of the organ (in case a price is charged for the organ); costs incurred for removal of organ from the donor.

Inpatient care or treatment is treatment for which, for medical reasons, the patient has to stay in hospital overnight.

Day-patient care: treatment in a hospital or medical day-care center, for which the patient does not have to stay overnight. It excludes any ambulatory treatment.

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