Accident and Health

IASIS MEDICAL INSURANCE

Medical Insurance

“It is health that is real wealth and not pieces of gold and silver” Mahatma Gandhi

Health – the greatest wealth that nature gave to man. Health is the foundation of man’s life; the basis for a man to dream, to make plans for the future, to move forward in life, to raise a family to achieve all his goals and ambitions.

With Health as his ally in life, the joy of raising a family, watching them grow and enjoying the gift of grandchildren becomes reality.

Man foes all he can to protect his health, though even the most perfect person cannot always guarantee it. It is impossible for anyone to have absolute immunity to the failing of health, and when 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.

Ydrogios Insurance Company – 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 IASIS insurance plan

Contact us without delay and a specialist Insurance Agent will assist you in choosing the right health IASIS insurance plan for you and your family.

e-mail:medical@ydrogios.net

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
  • Outpatient Cover
  • 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

2.5

OUTPATIENT COVER

SILVER

GOLD

PLATINUM

WORLD WIDE

STUDENT

ANNUAL TOTAL COVERAGE

600

1.000

1.500

2.000

1.000

2.5.1

Consultation Fees

100% up to 50€

100% up to 100€

100% up to 150€

100% up to 200€

100% up to 100€

2.5.2

Medication

100%

100%

100%

100%

100%

2.5.3

Diagnostic Tests

100%

100%

100%

100%

100%

2.5.4

Physiotherapy

100%

100%

100%

100%

100%

2.5.5

Parametical Services

100%

100%

100%

100%

100%

2.5.6

Unrelated Diagnostic Test

50

100

150

200

50

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€
1.3700€
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