Universal Life | MultiCare Premiere

MultiCare Premiere

MultiCare Premiere is the best, top of the range option of all MultiCare Plans with a maximum benefit limit of up to €3,000,000.

With MultiCare Premiere you can choose between a Comprehensive cover option for both in-patient and out-patient expenses, or a Standard cover option which provides cover for only in-patient expenses.

As MultiCare is truly an international health plan, customers can select the country in which to receive treatment based on their choice of regions: Area 1 will provide you cover for the whole world and Area 2 will provide cover for the whole world excluding the USA, Canada and Switzerland.

In case of emergency treatment you can receive cover even if you are outside of your area of cover.

Create your own MultiCare Plan by using our MultiCare Premium Calculator.

To view all MultiCare premium rates click here.

Product Information Document for MultiCare Premiere

With MultiCare Premiere you can cover your in-patient and day care expenses which may include the following:

Hospital charges
Surgeons , Anaesthetists and Physicians charges
Consultations, diagnostic procedures and physiotherapy during in-patient stay
Additional accommodation
Cash Benefit

It also covers for:

Out-patient surgical procedures
In-patient CT, MRI, and PET scanning.
Chemotherapy/Radiotherapy/oncology treatment
Ambulance Transportation

If you select the Comprehensive level of coverage, MultiCare Premiere also provides for the following out-patient coverage:

Medical Practitioner charges and prescription drugs
Medical Practitioner consultations (it looks like a repetition of the above) diagnostic procedures and physiotherapy
Out-patient CT, MRI and PET scanning
Alternative Treatment
Nursing at home
Accidental damage to teeth
Psychiatric treatment

MultiCare International Health Plan also lets you have access to the following additional benefits:

International Emergency Medical Assistance – our evacuation and repatriation service is available 24 hours a day, 365 days a year, anywhere in the world. In case of a medical emergency, if you can’t get the treatment you need locally, we will arrange to take you to the nearest place where the treatment is available.
Direct settlement of in-patient hospital bills – we have arrangements with over 11,000 medical providers worldwide through which in-patient bills can be settled directly.
Health at Hand – our health telephone information service, is available to all our members 24 hours a day, 365 days per year. You can speak directly to experienced health professionals on a wide variety of healthcare issues. All kinds of information – on illnesses, medical terms, medications, infant care – is just a phone call away.
Administration of policies and claims handled directly from Cyprus-A team of professionals based in Cyprus is taking care of your needs. For treatment outside of Cyprus we have the global support of AXA PPP healthcare, one of the UK’s leading and most experienced healthcare providers.

Pregnancy: The benefit covers normal pregnancy and child birth including in-patient and out-patient antenatal and post-natal consultation and delivery. It also covers charges for treatment related to complications incurred during pregnancy including caesarean section.
Cover for newborn babies: MultiCare offers cover for newborn babies as long as they join their parent's plan within three months of their day of birth.

Adult Health Screens and Children’s Health Pack

In case your select MultiCare Premiere with Comprehensive cover, you will have access to the following Additional Benefits which will give you peace of mind when it comes to you and your family's health:

Benefits	Limit	This benefit is to cover annual health screen and not limited to:
Men’s Health Screen	€100 every year	stress ecg, prostate and lipid test.*
Women’s Health Screen	€100 every year	mammogram, cervical smear.*
Children’s Health Pack	€75 every year for each child	general health checks and vaccinations.*

* The annual excess does not apply to these benefits.

Optional Upgrade Pack for Premiere-Comprehensive option

For members who chose Priemere-Comprehensive option there is also an optional upgrade pack which further enhances the high-level benefits offered by MultiCare:

	Description	Limit
Dental	Cover for extraction, cleaning, composite filling, root canal treatment, bridges and crowns, panoramic X-rays, gingivitis treatment and surgical extraction	Overall limit €500 each year Extraction €30 per tooth Cleaning €40 each year Composite filling €30 per tooth Root canal treatment €50 per tooth Bridges & crowns €80 per tooth Panoramic x-rays €15 per x-ray Gingivitis treatment €60 per year Surgical extraction €80 per tooth
Optical	Costs for eye tests, prescription glasses and contact lenses. We will pay this so long as the glasses or lenses are used to correct your vision.	Overall limit €100 each year
Chronic Conditions	Cover for drugs and diagnostic tests related to chronic conditions. Please note that pre existing chronic conditions are not covered under this benefit.	Overall limit €300 each year
Health screen	Additional health screening cover as per benefit 21. Please note - this upgrade will be in addition to Benefit 21	Men and women €300 each year Children €200 each year