Simple & Clear – Clarity and transparency, with benefits and terms that are easy to understand and straight forward processes and procedures.
Plans to Suit Your Needs & Budget – From the places in the world you are covered, to the monetary limits and scope of the benefits, the choice is yours.
Telehealth – A convenient service giving members unlimited access to the expert opinions of qualified doctors and medical advice on various medical conditions, medical diagnosis and treatments over the phone or through a mobile app.
Member Assistance Programme (EAP) / Well-Being – Counselling (in person, video, telephone or chat) in over 200 languages for Family, Life, Health, Money and Work issues through website or app platform.
Reduced Risk & Increased Certainty – Your policy will be pooled with all the other groups of 1 – 9 lives insured by us (community-rated) so if a member develops or suffers any serious or expensive medical condition it will not lead to punitive price increases at renewal.
No Need to Pre-authorise – Everything is taken care of when network providers are visited. For visits to providers outside the network there is no need to waste time seeking pre-authorisation, with claims being payable if medically necessary and covered.
Second Opinion – We recognise that decisions about your health and proposed treatments can be the most important you ever have to make, so all members are entitled to a second opinion.
24/7, 365 Days a Year Helpline – Multilingual team of medical experts and professionals are always available to advise and guide members.
Mobile App – This handy technology means you can always check details about your plan, make and monitor claims and locate providers and specialists in specific areas.
Global Direct Billing – All members can also use Henner’s Global Network giving them access to direct billing with over 60,000 providers in 190 countries.
World-Class Treatment & Care – All plans offer access to top medical providers and care in the selected geographic coverage area.
Portability – Members can change their country of residence without the need to change their insurance.
Unbeatable Value for Money – As HanseMerkur is a mutual and not driven by the necessity to make profits for shareholders, the quality and level of cover and service provided for the money is unparalleled.
Covered Means Covered – You will get exactly what you paid for with no hidden clauses, no prohibitive sub-limits and no unfair exclusions.