DCare - Private Health Insurance with International Cover
DCare Medical Plan
Your Comprehensive Health Insurance Solution
Whether you're an expatriate living abroad or a frequent traveler, our plans are tailored to meet your diverse healthcare needs, ensuring you receive the best possible care without the stress of unexpected costs.
Imagine being free to choose your healthcare providers and facilities while enjoying the security of high annual benefit limits.
That's why we are proud to offer DCare, a cutting-edge international medical insurance plan designed to meet your healthcare needs.
Experience the difference of a health insurance plan that prioritizes your well-being and offers unparalleled support when needed.
Who is eligible for DCare Health Insurance?
Individuals
Get access to a wide network of healthcare providers, medical treatment and preventive care services coverage tailored to your personal needs and budget. No matter your career stage or lifestyle, we ensure you have reliable healthcare coverage that moves with you.
Families
Comprehensive coverage for you and your loved ones. All our plans cover spouses, children, and dependents, ensuring your entire family has access to quality healthcare when they need it most.
Group
Ideal for businesses and organizations looking to provide health benefits to their employees. Our group plans offer flexible options to accommodate organizations of various sizes, from small businesses to large corporations.
Why Choose DCare
Choosing DCare means opting for a health plan that stands out in flexibility, comprehensive coverage, and ease of access. Here's why DCare should be your go-to choice:
Worldwide Coverage
DCare provides worldwide coverage, including options for plans that cover treatment in the United States. This flexibility is particularly beneficial for expatriates and travelers who require health insurance that is valid across multiple countries.
No Co-Insurance on Core In-Patient Services
For core covered services — in-patient treatment, surgery, cancer treatment, medical emergency evacuation — DCare pays in full, with no co-insurance or per-claim deductible beyond the deductible you select at inception. Out-patient, maternity, and other benefits carry per-benefit limits that vary by plan.
Annual Benefit Limits up to €3,000,000
DCare plans offer annual benefit limits of €1,000,000 on Basic, €1,500,000 on Core, €2,000,000 on Classic and Classic Plus, and €3,000,000 on Prime and Prime Plus, providing substantial financial protection against major medical expenses.
100% Coverage for In-Patient Treatment
DCare covers 100% of in-patient treatment costs, including private room accommodation, nursing care, and necessary medical procedures. This comprehensive coverage also extends to critical treatments such as radiotherapy, chemotherapy, and oncology services, leading to lower out-of-pocket expenses compared to plans with co-pays or deductibles.
Emergency Services and Evacuation
The plan includes local ambulance transport and emergency medical evacuation at no extra cost. This is crucial for urgent medical situations abroad, ensuring you receive timely care when you need it most.
Outpatient Diagnostic Testing and Advanced Medical Imaging
From the Core Plan upwards, DCare covers outpatient diagnostic testing and advanced medical imaging — echocardiography, ultrasound, endoscopy (such as gastroscopy and colonoscopy), X-rays, MRI, CT, and PET scans. Core includes these up to €500 per year, while Classic and above cover them in full — supporting early detection and management of health issues.
Preventive Care Benefits
The policy includes wellness check-ups and preventive care, promoting a proactive approach to health management. This is advantageous for maintaining health and catching potential issues early.
Alternative Medical Treatment and Physiotherapy
DCare's higher plans recognise the importance of holistic health. Out-patient physiotherapy is included from the Core Plan upwards — up to €500 on Core, up to €1,000 on Classic and Classic Plus, and up to €2,500 on Prime and Prime Plus. Alternative medicine — chiropractic, osteopathy, homeopathy, and acupuncture — is included from Classic upwards, up to €175 on Classic and Classic Plus and €200 on Prime and Prime Plus.
Emergency Repatriation and Assistance
In a medical emergency, DCare provides coverage for the repatriation of remains or local burial, along with emergency assistance services, offering peace of mind.
Coverage for Chronic Conditions
Every DCare plan covers in-patient treatment of chronic conditions — up to €10,000 on Basic, €15,000 on Core, €50,000 on Classic and Classic Plus, and paid in full on Prime and Prime Plus. Out-patient chronic-condition management is included from the Classic Plan upwards (up to €2,000 on Classic and Classic Plus; up to €5,000 on Prime and Prime Plus).
Medical Insurance Plans
DCare health insurance offers six distinct plans — Basic, Core, Classic, Classic Plus, Prime, and Prime Plus — each tailored to meet varying healthcare needs and preferences. Here's a brief overview of each plan and its unique features:
Download useful Information
Insurance Product Information Document (IPID) per plan
Let's look in more detail at what DCare insurance covers
Inpatient & Day Care Treatment
DCare provides coverage for a wide range of inpatient and outpatient treatments, including:
Accommodation
Private rooms for comfort and privacy
Medical treatments
Including laboratory tests and diagnostic procedures
Meals and Nursing Care
Private rooms for comfort and privacy
Consultation
Fees for in-patient consultations by physicians or specialists are covered
Medications
All necessary medicines and prescribed drugs are included
Medical Appliances
Coverage for essential medical appliances and prosthetics
Outpatient Treatment
Whether you need a specialist consultation or advanced diagnostic tests, DCare has you covered. Outpatient treatment includes:
Consultations and Treatment:
Coverage for medical practitioners and specialist consultations
Diagnostic Testing:
Includes echocardiography, ultrasound, endoscopy, MRI, CT, PET, and other radiological imaging procedures.
Physiotherapy:
Paid in full under the Prime plan, with varying limits on other plans
Maternity and Newborn Benefits
Expecting a child should be a joyful experience. DCare offers extensive maternity benefits to ensure you receive the best care before, during, and after childbirth:
Comprehensive prenatal, childbirth, and postnatal care.
Coverage for any complications arising during pregnancy.
Coverage for new-born infant benefits and vaccinations for the first 31 days.
Dental Benefits by Plan
Dental cover on DCare depends on your plan. Emergency dental treatment is included from the Core Plan upwards; routine dental treatment is included only on the Prime Plus Plan. Here's how each plan covers dental care:
Basic: dental treatment is not covered
Core: emergency dental treatment up to €250 per year
Classic: emergency dental treatment up to €350 per year
Classic Plus: emergency dental treatment up to €350 per year
Prime: emergency dental treatment paid in full
Prime Plus: emergency dental treatment paid in full
Prime Plus: routine dental treatment up to €1,000 per year
Not covered on any plan: cosmetic, elective, and orthodontic treatments
Additional Travel, Accommodation Costs
Accompanying Travel
DCare covers accompanying travel and expenses for a family member or friend to be with you during your hospital stay. Covered up to €2,500 on Classic and Classic Plus, and paid in full on Prime and Prime Plus. Not included on Basic or Core.
Second Medical Opinion
DCare offers a second medical opinion service in case of surgery or critical illness, allowing you to consult another specialist if you are unsure about your diagnosis or treatment. Included on Classic, Classic Plus, Prime, and Prime Plus plans.
Assistance and Repatriation
DCare's comprehensive assistance and repatriation services ensure that you receive the help you need in case of emergencies. Here are the details of these services:
1 Emergency Evacuation
In the event of a medical emergency, DCare provides emergency medical evacuation abroad — air transport to the nearest suitable medical facility when local hospitals cannot provide adequate treatment. This service is included on every DCare plan.
2 Repatriation of Mortal Remains or Local Burial
DCare covers the repatriation of mortal remains or local burial. Covered up to €10,000 on Basic and Core, up to €25,000 on Classic and Classic Plus, and paid in full on Prime and Prime Plus.
3 Medical Emergency Assistance Abroad
DCare provides medical emergency assistance while you are abroad, with a 24/7 Health Assistance Service. Covered up to an annual maximum of €100,000 on Basic and Core, and paid in full on Classic, Classic Plus, Prime, and Prime Plus.
Additional Benefits of DCare Health Insurance
DCare plans include a range of additional benefits to cover all aspects of your health:
1 Alternative Medical Treatments
Coverage for chiropractic, osteopathy, homeopathy, and acupuncture
2 Chronic Condition Management
In-patient chronic-condition treatment is covered on every plan; out-patient chronic-condition management is added from Classic upwards
3 Preventive Care
Preventive health screening on every plan (from €100 on Basic up to €400 on Prime and Prime Plus); optical care up to €150 per year on Prime Plus
Convenient Mobile App for Quick Access to Your Protection
To make your healthcare experience even more seamless, DCare offers a user-friendly mobile app. With this app, you can easily access your insurance details, submit claims, and contact us for immediate assistance.
