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 Out-of-Pocket Costs for Many Services
For numerous covered services, including surgeries and in-patient treatments, DCare ensures policyholders do not incur out-of-pocket expenses, unlike plans requiring co-insurance or deductibles. This includes comprehensive coverage for maternity benefits, ensuring that you and your newborn are well taken care of.
High €3,000,000 Annual Benefit Limit
The DCare plan offers an impressive maximum annual benefit of €3,000,000 per person, often higher than many standard plans. This high limit ensures substantial financial protection against significant 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
DCare covers outpatient diagnostic testing and advanced medical imaging, including echocardiography, ultrasound, endoscopy (such as gastroscopy and colonoscopy), X-rays, MRI, CT, and PET scans. This extensive coverage allows for 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
DCare recognizes the importance of holistic health and offers coverage for alternative medical treatments, including chiropractic care, acupuncture, and physiotherapy, providing a well-rounded approach to your health.
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
While subject to a maximum benefit, coverage for chronic conditions is still a significant advantage compared to plans that may exclude them altogether.
Medical Insurance Plans
DCare health insurance offers four distinct plans — each tailored to meet varying healthcare needs and preferences. Here’s a brief overview of each plan and its unique features:
Download useful Information
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.
Comprehensive Dental Benefits
DCare offers a range of dental benefits to ensure that your oral health is well taken care of. The dental benefits are optional and can be added to your plan. Here are the details of the dental benefits available:
Routine check-ups
Cleanings
X-rays
Fillings
Extractions
Crowns
Bridges
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. This service is covered in full for the Prime plan and up to €2,500 for the Classic plan.
Second Medical Opinion
DCare offers a second medical opinion service, allowing you to consult with another specialist if you are unsure about your diagnosis or treatment. This service is covered for all 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 evacuation services to transport you to the nearest suitable medical facility. This service is covered in full for both the Prime and Classic plans.
2 Repatriation of Mortal Remains or Local Burial
In the unfortunate event of a death, DCare covers the repatriation of mortal remains or local burial expenses. The coverage for this service is €25,000 for the Classic plan and €10,000 for the Core and Basic plans.
3 Out of Area Cover
DCare provides coverage for medical expenses incurred while traveling outside your home country for up to 30 consecutive days. This service is covered in full for all plans
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
Both inpatient and outpatient management of chronic conditions
3 Preventive Care
Includes one vision test and one hearing test annually (with some exclusions)
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.
