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International Health Insurance Plans for Individuals & Families and Micro-groups of up to 10 Lives

GlobalCare health insurance plans are designed and reinsured by HanseMerkur, one of Germany’s oldest and most esteemed insurers, synonymous with quality and the highest standards of service and customer satisfaction.

We strive to provide clarity and transparency, offering benefits and terms that are easy to understand, ensuring you have the confidence of knowing exactly what is covered and the peace of mind that you can utilise and access precisely what you have paid for.

Our family products are tailored to meet the specific needs of today’s expatriates and their families. The level of cover and benefits is flexible, with straightforward options that enable the customisation of plans to best suit your needs at a price that is right for you. One aspect that remains constant, regardless of which plan and options you choose, is our commitment and drive to deliver quality, excellence, and the highest levels of service and customer satisfaction.

Family Health Insurance

Designed Around You

We recognise that everyone is unique, which is why our plans are customisable to meet your specific needs and budget.

  1. Choose Your Deductible

The deductible can be Nil, USD 15, or USD 30 per outpatient consultation.
(A deductible is the amount an insured person must contribute towards each outpatient consultation. The higher the deductible, the lower the premium/price).

  1. Select Your Package Options

While some benefits may not be essential for everyone, they are desirable for others. These benefits remain available, along with enhancements to certain core benefits, offered as Package Options upon request, allowing for the enhancement and customisation of our plans to suit you.

You can choose one or more Packages, and within the Dental, Optical, and Assistance Packages, there are additional options for specific monetary limits.

Our International Health Insurance Plan

“Covered” refers to the Annual Policy Limit (less all other eligible costs incurred during the policy term). Any monetary amounts indicate Benefit Limits (sub-limits).

A * symbol denotes benefits and options that vary between the two plans. Please refer to our Terms and Conditions for full details.

Features & Benefits

Simple & Clear: We provide clarity and transparency, with benefits and terms that are easy to understand, alongside straightforward processes and procedures.

Plans to Suit Your Needs & Budget: From the locations where you are covered to the monetary limits and scope of benefits, the choice is yours.

Telehealth: This convenient service offers members unlimited access to expert opinions from qualified doctors and medical advice on various conditions, diagnoses, and treatments over the phone or through a mobile app.

Member Assistance Programme (EAP) / Well-Being: We provide counselling (in person, via video, telephone, or chat) in over 200 languages for issues related to Family, Life, Health, Money, and Work through our website or app platform.

Reduced Risk & Increased Certainty: Your policy will be pooled with all other groups of 1 to 9 lives insured by us (community-rated), meaning that if a member develops or suffers from any serious or costly medical condition, it will not result in punitive price increases at renewal.

No Need to Pre-authorise: Everything is managed when visiting network providers. For visits to providers outside the network, there’s no need to waste time seeking pre-authorisation, as claims will be payable if medically necessary and covered.

Second Opinion: We understand that decisions regarding your health and proposed treatments can be among the most significant you will ever make, which is why all members are entitled to a second opinion.

24/7, 365 Days a Year Helpline: Our multilingual team of medical experts and professionals is always available to advise and guide members.

Mobile App: This handy technology allows you to check details about your plan, make and monitor claims, and locate providers and specialists in specific areas at any time.

Global Direct Billing: All members can utilise Henner’s Global Network, granting access to direct billing with over 60,000 providers in 190 countries.

World-Class Treatment & Care: All plans provide access to leading medical providers and care within the selected geographic coverage area.

Portability: Members can change their country of residence without needing to change their insurance.

Unbeatable Value for Money: As a mutual organisation, HanseMerkur is not driven by the necessity to generate profits for shareholders, ensuring that the quality and level of cover and service provided for the price are unparalleled.

Covered Means Covered: You will receive exactly what you have paid for, with no hidden clauses, no prohibitive sub-limits, and no unfair exclusions.

Healthy Family Medical Insurance
Relax, we’ve got you covered

At this premium end of the health insurance market, you can expect to have access to top medical professionals, providers, and healthcare services—this is assured.

What sets us apart is the level and quality of service and support that we are dedicated to providing to all our clients. We view customer service as the experience we offer to our clients and as an opportunity to exceed their expectations, and this philosophy underpins everything we do.

Our goal is to take the best possible care of your employees and their families, ensuring they remain happy, healthy, and free from unnecessary hassle and stress, thereby supporting you in achieving your own corporate objectives and goals.