Generali Global Health Global Choice
Generali’s Global Choice plan is a menu driven international private medical insurance plan (iPMI) for groups. Available in three denominations (£, US $ and Euros) the plan offers maximum annual benefit of $1m (Select), $3m (Classic) or $4.5m (Premier) or equivalents.
The core plan covers the following, mainly inpatient benefits, which are paid in full unless otherwise shown. For the top Premier plan (some limits vary by cover level) the plan covers:
Hospital charges
Rehabilitation and therapies (max 180 days).
Organ transplant.
Acute chronic episodes.
Reconstructive surgery.
Parent accommodation.
Child accommodation.
Pregnancy related medical conditions.
New born care.
Inpatient psychiatric/psychotherapy. Up to 90 days.
Congenital disorders.
Prosthesis.
Home nursing. Up to 180 days.
Hospice care.
In-patient emergency dental treatment.
Hospital cash. $300 per night.
Ambulatory services.
Emergency assistance and evacuation and repatriation services.
Compassionate travel. 2 economy class tickets.
Repatriation of mortal remains. Max $13K.
Emergency cover outside area of coverage. Max $60K.
Emergency outpatient care. Max $1K.
Outpatient surgery.
CT/MRI/PET scans.
Cancer care.
Renal dialysis.
Once the core plan of inpatient benefits is chosen, outpatient and other benefits are then added (again three cover levels but labelled Advance, Elite and Prestige). For the top plan, this can cover:
Outpatient consultations.
Diagnostic tests.
Chronic condition management.
Physiotherapy. Max 30 sessions.
Drugs and dressings.
HIV/AIDS. Max $20K
Vaccinations.
Durable medical equipment. Max $5K.
Complementary treatment. Max $5K.
Dietician/nutritionalist. Max $500.
Speech therapy.
Hearing aids. Max one per lifetime.
Early onset HRT
Psychiatric treatment and psychotherapy. Max $5K.
Optional modular benefits are (Options 1, 2 and 3):
Wellness: routine check-ups, wellness/screening tests, and well-baby checks. Max $1,500.
Fertility. Max $25K.
Vision: annual eye test; glasses and contact lenses (max $500).
Maternity. Pregnancy and childbirth.
Dental: routine (max $1K); routine and restorative (max $5K); routine restorative and orthodontic (max $5K). In total there are seven dental cover options.
Specific benefits can be chosen for three or more members of the group, so firms can offer differential cover for different employee levels for example.
Generali offers a multi-platform web portal with a range of online tools, which enable customers to access information, make policy changes, make and track claims and obtain approval for hospital stays upfront.
Comment: Generali’s new iPMI plan offers a good range of cover options for employers, using the now common menu format.
One issue with such an approach is that it can make the plan and options look over-complex, but Generali has avoided this by its logical and understandable literature. However, some of the labels given to the various options look unnecessarily complex, with some as names and others as numbers. That’s a very minor criticism though.
As well as the financial benefits, Generali’s online tools enable plan management, claim action and monitoring onscreen and there is also a wide range of useful information available too.
Plus points: Menu-based group iPMI; Useful range of options; Good online tools both to manage the plan and to give information.
Not so plus points: Can be expensive if all options are chosen and the highest benefits; Some maxima are quite low; Confusing option names in some cases – a simpler alpha or numeric system might be easier to understand.
Website: http://www.generali.co.uk.
Rating (max 10): Innovation: 8. Overall: 8. Gold
Tags: iPMI; Generali