Question 1

Do you do a health checkup prior to the start of the insurance? Do you exclude pre-existing conditions?

Accepted Answer

No health checkups are required! We do not exclude pre-existing conditions as long as they are not listed as a general exclusion. So, for example, if you have a pre-existing case of TMJ, it would not be covered only because it is excluded in the overall policy. Note: For our Affinity Plan and Nomad Health application (plans that the individual pays for themselves), pre-existing conditions are not covered. Members may require a check-up or present additional medical notes. While we strive to be inclusive, we may deny coverage based on the applicant's responses.

Question 2

Does the age limit of 74 apply to all plans?

Accepted Answer

Yes, the age limit to sign up is 74 for all of our plans. However, this only applies to new members—if you are 73 when you enroll in the plan, you will be eligible for coverage for as long as you wish.

Question 3

Can citizens of the United States enroll in Remote Health?

Accepted Answer

US citizens can enrol in Remote Health as long as they live outside the US (i.e., they are not currently US residents). You are considered a resident in a country if that is where you plan on spending the most time in the next 12 months. You can search whether you are covered depending on your country of residence here.

Question 4

Can you cover members in the USA or Canada?

Accepted Answer

Unfortunately, we currently cannot offer coverage to members who reside in the United States or Canada.

Question 5

I'm located in Germany, and we are legally obliged to prove that we have health insurance. Do you know if Remote Health qualifies in this case?

Accepted Answer

This depends on if you're a local German national or an expat.

Remote Health can be bought as a top-up to the local plan if you're a local German national.

Here are some reasons why members use Remote Health as top-up insurance:
• Faster treatment: reduced wait times to get the treatment you need by not joining public waiting lists.
• Freedom to choose the hospital you want: using a public health service can often restrict the hospitals you can visit. Remote Health gives you access to any public or private hospital.
• Eligible for cash payout: get paid up to $150/night when staying in a free public hospital or when your treatment is covered by different insurance.
• Global coverage: use this coverage wherever you live, move, or work, so if you are a nomad or traveling, you don’t need another insurance to cover your medical care.
• A referral from your general practitioner is not required before seeking care with a specialist.

If you're an expat, you may buy this as a primary plan only after the local immigration office approves your visa.

Question 6

It's listed that Remote Health is secondary insurance since I reside in Switzerland. If my Swiss Medical Insurance plan won't cover me, can I count on Remote Health to cover me?

Accepted Answer

Yes, if Remote Health is considered secondary insurance in your country, the primary insurance would cover first, and Remote Health would work as a top-up.  For any dispute, the insurance company will attempt to solve this with the other insurance company without requiring anything from the member.

Question 7

How do I sign up?

Accepted Answer

Once your company adds you to the group plan, you will receive a welcome email from SafetyWing, and the email will contain a link to activate your insurance.  You must activate your coverage within the first 30 days of receiving the welcome email. Delays in creating your member profile could impact your start date of coverage. If you are paying for Remote Health yourself, through one of our partnerships:  You should be able to sign up and pay us directly. Please speak with your team or contact us via live chat if you need help signing up. For self-paid plans, medical underwriting is part of the application, but you are free to signup whenever you wish. Medical underwriting means we will ask some questions about your current health, and it may mean pre-existing conditions are not covered.

Question 8

Who can I add to my plan? Can they have different plans than me?

Accepted Answer

Eligible dependents include your spouse, domestic partner (only requirement is you reside in the same home), biological children, legally adopted children, step-children, or if a policyholder is a legal guardian of a minor.  All dependents will be enrolled on the same plan as the policyholder. So, for example, If you are on Premium plan, they will be enrolled in Premium too.  Each family member will have their own policy, so that the maximum benefit limit applies to each member, not the entire family.

Question 9

When can I add my family members (dependents)?

Accepted Answer

You will have the chance to add dependents when you first activate your insurance after receiving the welcome email. After that, you have 30 days from your start date to add a spouse, partner, or child (biological, step-child, or minor in your home that you have legal guardianship over), or after a qualifying life event such as marriage or a birth. Otherwise, you will have to wait for your policy renewal to add additional family. If you would like to add family members within the qualifying window, let your employer know.

Question 10

I'm married, and we have children. My spouse has their own insurance coverage, but I would like to include my kids. Is this possible?

Accepted Answer

If you only wish to cover your children and not have your spouse on your Remote Health coverage, you can do this!

Question 11

Are same-sex partners allowed?

Accepted Answer

Legally married or domestic partnerships can be covered as dependents of the main policyholder, regardless of their gender.

Question 12

I do not have a passport which is a required field to sign up for SafetyWing. Can I provide an alternative ID?

Accepted Answer

You can use a government-issued, non-expired ID to enroll if you don't have a passport. If you happened to use an expired passport number, our customer service specialists can help you change your ID via the live chat on our website.

Question 13

Does the maximum policy benefit include dependents?

Accepted Answer

The maximum benefits are not shared amongst the family. Each member will have their own benefits! That means that each member on the plan will have a US$1,500,000 (US$2,500,000 on Premium Plus) maximum benefit per policy year.

Question 14

What happens if I leave my company during the contract? Do I keep the insurance until the end of the duration?

Accepted Answer

If you leave your team during the contract, your Remote Health coverage will be canceled at a date specified by your admin.

Question 15

How can I get a visa letter confirming my coverage?

Accepted Answer

Get in touch with the SafetyWing customer service team through the live chat widget on our website, and we can send this to you!

Question 16

Can I change/customize my Remote Health plan?

Accepted Answer

When we built our Remote Health plans, we analyzed what our members want and need the most. As a result, we created the best plan we could imagine for the lowest cost. The only add-ons available are life insurance at the company level (your company admin will decide whether team members can get it) and extra coverage in the US, Hong Kong or Singapore. If you are looking for the most coverage possible, we suggest the Premium Plus plan.

Question 17

Can I switch between the Standard Plan and Premium plan? Especially if I decide to add on dependents?

Accepted Answer

Switching plans mid-policy year (twelve months) is not currently an option. You must add dependents either at the sign-up time or within 30 days of the policy start date.

Question 18

If I add a dependent to my plan, I will pay for the cost of coverage. Is this a monthly payment?

Accepted Answer

Yes, the payment is monthly. However, the dependent will need to stay on your plan throughout the duration of the policy year.

Question 19

How does this insurance work?

Accepted Answer

First, arrange treatment or doctor's appointments with your preferred doctor or clinic. For most treatments and visits, you will pay your provider directly after the treatment or visit. Before you leave the office, please collect medical notes detailing what the treatment was for and the date you received treatment.

You will also need to request an invoice or receipt for the amount paid. Then you will log onto your SafetyWing online dashboard, click “make a claim,” and fill out the form. It will only take you a few minutes.  The form will ask you for details of why you needed the treatment, what the treatment was, your medical notes and receipts, and your banking information for reimbursement. Reimbursements should take 21 days or less.

For any treatment over US$500, please contact us and request pre-approval and direct billing through your dashboard, by clicking button labeled "Get pre-approval or direct billing." This is required to avoid a 30% penalty. We will ask you to submit a treatment plan, medical notes, and estimated costs. The information will go directly to our medical team to get the claim pre-approved and direct payment arranged with your provider. Whenever possible, please start this process as soon as you know about the treatment. A minimum of 2 weeks is usually required to ensure direct billing.

Question 20

How is Remote Health different from other insurance plans?

Accepted Answer

We offer a complete global health plan that allows our members to spend as much time abroad as they please. Our members can have peace of mind while traveling, knowing that their health needs are covered.  Our plan also offers full coverage in the member's home country and no exclusions for pandemics! Regardless of where our members are, we are here to help in any time zone. We offer a fast and easy claims process, and our team is at their service to assist with coverage and claims questions anytime they need help.

Question 21

What do the different plans cover?

Accepted Answer

We offer 3 Remote Health plans: Standard, Premium and Premium Plus, in order of increasing benefits and limits.

Question 22

How do I choose a country of residency?

Accepted Answer

Your country of residence is where you plan on spending the most time in the next 12 months.

Question 23

Will the insurance also cover other short-term trips? Should I notify you if I want to use the insurance in a country different from my residence?

Accepted Answer

Remote Health will cover short trips (although it is not travel insurance and won't cover lost luggage or travel delays). You don't need to notify us if you're traveling to a country different from your residence. Travel can be for any reason, business or pleasure. If you need proof of insurance for entry or visa requirements, we can provide you with your certificate of coverage, a benefits letter, and a letter explaining your COVID-19 coverage.

There are a few countries where we cannot arrange direct billing for hospital stays. Check here if a country you live in or plan to visit is affected.

Please note that the United States, Hong Kong, and Singapore have restricted coverage. In those three countries, coverage is limited to 30 days per trip, not to exceed 183 days per year. The coverage is limited to emergency or non-elective coverage only. The maximum benefit for illness is $50,000 and $500 for outpatient (US dollars). For all other countries, your full coverage will stay the same.

Question 24

Can I use Remote Health to apply for a Schengen visa?

Accepted Answer

While we can't guarantee that your visa application will be accepted, members have successfully used Remote Health to apply for Schengen visas in the past. Members will require a Certificate of Insurance and Insurability letter which we can provide by request to any member with an active Remote Health contract.

Question 25

I noticed that the United States, Hong Kong, and Singapore are outside of the geographical area of coverage. Can I still visit these countries? Will I have any coverage if I need medical attention during my stay?

Accepted Answer

You can visit the United States, Hong Kong, and Singapore, and be covered for accidents and emergency non-elective treatment.

You're covered up to 100% UCR for injuries up to a maximum of USD $50,000 and up to a maximum of USD $500 for outpatient services. This coverage is limited to 30 days per trip, up to 183 days per year.

Question 26

What is the difference between Remote Health, Nomad Insurance and Nomad Health?

Accepted Answer

The main difference is that Remote Health and Nomad Health are comprehensive medical insurance products but without non-medical travel benefits. Therefore, neither are a direct alternative to Nomad Insurance.

Remote Health will cover more medical needs than Nomad Insurance, such as elective treatment, pre-existing conditions, cover for cancer treatment, etc. Remote Health includes benefits like maternity care, dental, vision, and screenings and vaccines (limits depend on your plan). It can be used as your primary health insurance and has a maximum coverage limit of up to US$2.5 million.

Remote Health does not have a network! This means that you are free to see any licensed provider or hospital, public or private. We can also provide direct billing when your claim is US$500 or more.

Remote Health can also provide you with health coverage while you are travelling outside of your home country.

Nomad Insurance does provide medical and travel benefits. The medical maximum benefit is US$250,000. You can use this coverage for hospital care, urgent care, and more while you are travelling outside of your home country. It also provides travel benefits, such as trip interruption coverage, travel delays, and lost checked luggage. Nomad Insurance cannot cover cancer treatment or pre-existing disease or illness. Nomad Health is the individual plan version of Remote Health, ie. a plan that anyone can buy for themselves, rather than getting it through their employer. The main difference is that pre-existing conditions are not covered.

Question 27

Are there any waiting periods?

Accepted Answer

Essential To be eligible to claim for emergency dental pain relief treatment, you must have had an active insurance period of at least 14 days at the time the pain began.

Complete
For Nomad Insurance Complete, there is a 10-month waiting period for maternity benefits and a 36-month waiting period for HIV/AIDS treatment.

Question 28

Is there a deductible?

Accepted Answer

Remote Health does not have a deductible, meaning your insurance will cover all eligible costs from day 1, except for any applicable co-insurance (member pays 10% for outpatient coverage on Standard plan, and 20% for all maternity coverage).

Question 29

What is a policy year?

Accepted Answer

The policy year is 364 days, beginning on your policy start date. For example, a policy year could be from May 12, 2022 - May 11, 2023. On the 365th day your policy will renew.  Individual plans that you pay for yourself, such as Affinity and Nomad Health, start on the 1st or 15th day of the month.

Question 30

Is Remote Health insurance locally compliant?

Accepted Answer

Remote Health is different from a local or state-run insurance, as it is a global insurance plan. We provide members with worldwide coverage where members can go to any clinic or hospital.

In contrast, local plans may be subject to networks and restrictions. You may need to buy separate private insurance for extra benefits, and these plans tend to be inflexible and bureaucratic.

With Remote Health, you can go to any clinic or hospital without worrying about eligibility requirements. Your treatment options remain consistent wherever in the world you travel and in 175+ countries of residence. It can be used as a top-up coverage (e.g., dental, vision) in countries with local insurance requirements and tax considerations. We cannot provide advice on tax implications or visa requirements for every country we operate in.

Remote Health would be treated as a benefit like any other from a company taxation standpoint.  Notable exceptions: In the following countries, local regulations may restrict members from using Remote Health as their primary health insurance. Fortunately, it can still be used as a top-up plan for extra benefits like dental, vision, and maternity care. Germany Switzerland Netherlands Australia

Question 31

What if I have another insurance?

Accepted Answer

You can enroll in Remote Health as a top-up plan.  The advantages of also using Remote Health with another insurance include:  Faster treatment: reduced wait times to get the treatment you need by not joining public waiting lists. Freedom to choose the hospital you want: using a public health service can often restrict the hospitals you can visit. Remote Health gives you access to any public or private hospital. Eligible for cash payout: get paid up to $150/night when staying in a free public hospital or when your treatment is covered by different insurance. Global coverage: use this coverage wherever you live, move, or work, so if you are a nomad or traveling, you don’t need another insurance to cover your medical care. A referral from your general practitioner is not required before seeking care with a specialist.

Question 32

What are the extra benefits if I already have public healthcare in my country of residence?

Accepted Answer

In countries with public systems (for example, the UK and Norway), SafetyWing has an added advantage: it can be used in addition to a country-specific plan.  SafetyWing's added benefits include visiting any private hospital for the best and quickest service.  If your public healthcare system covers your hospital treatment, you receive a $150 cash bonus per night in a public hospital in your home country (up to 30 nights).  You can get access to treatments typically not provided by standard public healthcare, for example, the latest available cancer treatment regimens.  Use this coverage wherever you live, move, or work, so you don't need other insurance to cover your health if you are a nomad or traveling.

Question 33

Who decides if something is “medically necessary”?

Accepted Answer

Treatment, medical services, or medical supply is deemed medically necessary by Remote Health in mutual agreement with the member’s provider to diagnose and/or treat an injury or illness.

The following is not considered to be medically necessary: provided as a matter of convenience to the insured or the hospital/physician; not appropriate for the diagnosis or treatment of the condition; exceeds the level of care required for the diagnosis or treatment of the condition; outside the scope of the standard practices established for doctors and hospitals; or is a substitution of a standard or private room for a suite if the policy doesn't offer this benefit.

Question 34

What are the perks of being part of a group plan such as Remote Health?

Accepted Answer

Team members’ medical history is disregarded. There will not be any questions about pre-existing conditions, and the team members will be covered for pre-existing conditions, provided they are not part of the general policy exclusions. There are no waiting periods, except for Maternity coverage on Standard and Premium plans.

Note: For our Affinity Plan and Nomad Health application (the plan that the individual pays for themselves), pre-existing conditions are not covered. Members may require a check-up or present additional medical notes. While we strive to be inclusive, we may deny coverage based on the applicant's responses.

Question 35

Is it possible to only sign up for dental and vision?

Accepted Answer

No, our dental and vision benefits always come bundled with all our other benefits on the Premium and Premium Plus plans.

Question 36

Are individuals subject to any taxation on their benefits?

Accepted Answer

With both admitted and non-admitted policies, individuals are potentially subject to tax laws of the resident country on their benefits. The member would deal with this individually, depending on their country.

Question 37

Are there any countries where coverage is limited or restricted?

Accepted Answer

You can check which countries have restricted coverage here.

Question 38

Is a ‘gap cover’ applicable to these plans, or will that be dependent on the gap cover provider?

Accepted Answer

This would be dependent on the gap cover provider. On the Remote Health plan, any expensive treatments or visits can be pre-approved and have direct billing arranged.  If the charges are outside of what is considered ‘reasonable’ for the area (UCR), you can choose another provider and we will get pre-approval and direct billing set up with them. Or you can choose to pay the difference in cost, though this is relatively rare.

Question 39

When does my coverage start?

Accepted Answer

When you sign up for an individual plan (Affinity or Nomad Health), you can choose a start date of up to 30 days in the future. You will see the latest available start date in the calendar when you complete your application.

Question 40

What do the different plans cover?

Accepted Answer

We offer 3 Remote Health plans: Standard, Premium and Premium Plus, in order of increasing benefits and limits.

Question 41

What is your coverage for surgeries or major procedures?

Accepted Answer

Most surgeries are covered under the core benefits (same for all plans) as you are typically admitted to the hospital. Our plan covers up to the overall limit for inpatient surgery and US$500,000 for outpatient surgery, sometimes called day surgery. This would not come out of your US$5,000 outpatient benefits. If your surgery or procedure will be more than US$500, please request pre-approval through your dashboard to avoid a 30% penalty. After receiving the information about your surgery, our team will get started right away to pre-approve the treatment. Please give as much notice as possible as well as all medical notes. As soon as we receive all documents required, direct billing can also be arranged, although notice of 2 weeks is ideal. You are also always free to pay for the treatment or surgery over US$500 yourself then claim for reimbursement after, but without pre-approval, you may get back 30% less on your reimbursement. By the way, it isn’t necessary to have a referral from your general practitioner to seek treatment with a specialist. Unless you are admitted to the hospital, specialist fees will be covered under the outpatient benefit (max US$5,000 per policy year). UCR: Usual, customary and reasonable rates for the region

Question 42

What is your outpatient coverage?

Accepted Answer

This benefit has a US$5,000 maximum limit per policy year. It covers:  doctor's visits for medically necessary treatment (nothing routine) specialist visits physical therapy prescription medications lab tests or diagnostic studies outside of hospital stays The Standard plan has a 10% co-insurance for outpatient benefits. This means that members are responsible for 10% of the total cost of each claim. There is no co-insurance for our Premium or Premium Plus plans. We do not cover over-the-counter medications (not requiring a prescription to buy).

Question 43

What does the screenings & vaccine benefit cover?

Accepted Answer

It covers yearly physicals, routine check-ups, routine blood work, and vaccinations, up to a maximum of US$350 for the Standard plan and US$500 for Premium and Premium Plus plans per policy year.

Question 44

What is your maternity coverage?

Accepted Answer

Maternity coverage includes medically necessary checkups, pre and post-natal care 30 days after birth, and the birth itself. Coverage limits per policy year depend on what plan you have: US$2,500 for Standard (10-month waiting period) US$4,500 for Premium (10-month waiting period) US$7,500 for Premium Plus (no waiting period) This benefit does include a 20% co-insurance. That means that for maternity claims, you'll cover 20% of each claim. For example, if your claim is $100, Remote Health will reimburse $80, and you'll pay $20.

Question 45

What is your mental health coverage?

Accepted Answer

We care about your mental health so much that it’s covered twice by Remote Health!

One benefit covers 100% of the cost for up to 30 days if you're admitted to the hospital for psychiatric treatment.

The second benefit is covered through outpatient services. This allows you to be seen in-person and virtually by a psychologist, therapist, or licensed medical doctor for mental health concerns (outside of being admitted to hospital). You have 10 visits per policy year, covered at 100% of the UCR, for in-person or virtual appointments. Premium Plus members get up to 20 visits. Starting September 1, 2023, virtual visits will be covered if you have a plan that you pay for yourself.

Question 46

What is your vision coverage?

Accepted Answer

For Premium and Premium Plus plans, the vision benefit includes:  one eye exam every 12 months (including exam, dilation, prescription, refraction for glasses, and retinal imaging) one set of frames every 24 months  one set of lenses or contact lenses every 12 months standard lens enhancement (like blue light, UV coating) every 12 months You can submit vision claims for up to US$500 per policy year, and any extra cost would be a personal expense. Be sure to add your prescription and proof of payment to your claim. You cannot use outpatient benefits to cover claims related to vision. Eye surgery to correct vision, such as Lasik, is also excluded. However, eye surgery to repair an eligible medical condition is covered with pre-authorization and would be covered under your core inpatient or day surgery benefits.

Question 47

What is your dental coverage?

Accepted Answer

For Premium and Premium Plus plans, your dental coverage includes: Routine dental care such as cleanings, x-rays, fillings, flouride Procedures such as extractions, crowns, dentures, or inlays You can submit dental claims for up to US$1,500 per policy year, and any extra cost would be a personal expense. Be sure to add your dentist's notes, invoice and proof of payment to your claim. We do not cover orthodontics, including braces.

Question 48

Is dental treatment covered if it's due to an emergency (e.g. damaged tooth in a car crash)?

Accepted Answer

Yes, it would! Reconstructive surgery, emergency dental treatment and rehabilitation to restore natural function to the limbs and face would be covered under our maximum benefit limit (so that, for instance, you can continue to eat, drink, walk and talk properly following a serious accident). See this page of the policy document for more info.

Question 49

What is the coverage for chemotherapy/cancer treatment?

Accepted Answer

Cancer tests, medication, and treatment (chemotherapy and/or radiotherapy) are covered under the base plan up to 100% of the UCR for either inpatient or outpatient care. It is subject to the policy maximum benefit per policy year, including all your other claims.  UCR: Usual, customary and reasonable rates for the region

Question 50

Is special equipment for a medical condition covered, such as special boots due to a foot condition?

Accepted Answer

Remote Health does provide coverage for medical equipment, but advance notice is required if it will cost over US$500.  To let us know when a medical device is needed, click the "Get pre-approval or direct billing" button in your dashboard.

Question 51

How does the coverage handle pre-existing conditions? For example, if I am undergoing treatment on my current plan, would I be able to continue treatment on my Remote Health plan?

Accepted Answer

Generally, pre-existing conditions are covered as long as they are not excluded in the overall policy.  The application for the company plan will ask if any new members have a major medical condition already in treatment, such as cancer or heart issues. If the answer is yes, it could result in altered coverage or a waiting period. For new members added mid-policy term, the admin won't be asked if the member has pre-existing conditions, but if the admin has information about the major undergoing treatment, they should let us know. Note: For our Affinity Plan and Nomad Health application (the plan that the individual pays for themselves), pre-existing conditions are not covered. Members may require a check-up or present additional medical notes. While we strive to be inclusive, we may deny coverage based on the applicant's responses.

Question 52

Does Remote Health cover extreme activities like scuba diving or bungee jumping?

Accepted Answer

There are no exclusions for specific sports, but if you're training or practicing a sport for which you receive compensation, it would be excluded. Remote Health also provides coverage for activities like hiking, motorcycling, driving, etc.

Question 53

What does the evacuation and repatriation benefit cover?

Accepted Answer

Evacuation is emergency transport (ground, air, water, etc.) to the nearest adequate facility that can treat the member's medical condition. The need for treatment must be life-threatening and critical, and treatment cannot be available at their current location.  Under this benefit, search and rescue is covered if you're at a recognized ski resort or similar winter sports resort. Search and rescue at sea or during off-site winter sports is not covered.

Evacuation must be arranged/pre-approved in advance.

Repatriation benefit covers a return ticket in economy class on a commercial airline flight for the insured and one (1) companion to the place from which the insured was evacuated, provided that the trip is made within ninety (90) days of discharge and is approved in advance.

Question 54

Are tests like an MRI or CT scan covered?

Accepted Answer

Medically necessary tests such as an MRI or CT scan are covered.

Please note that we need advance notice of any major procedures or diagnostics that will cost more than US$500. You can provide advance notice by clicking "Get pre-approval or direct billing" in your dashboard.

Question 55

What is covered in the complementary therapy benefit?

Accepted Answer

You are covered for 10 visits per policy year for up to US$60 per visit for osteopaths, chiropodists, podiatrists, chiropractors, homeopaths, dieticians, and acupuncture, as well as therapies administered by a recognized traditional Chinese or an Ayurvedic medical practitioner.

Question 56

Is the COVID-19 vaccine covered?

Accepted Answer

We do not cover COVID-19 vaccines.

Question 57

Is COVID-19 testing covered?

Accepted Answer

COVID tests are covered if there is documentation of exposure or symptoms. If you do not have symptoms and get a negative result, the test would not be covered.

Question 58

Does Remote Health cover volunteering/working with animals and any injuries sustained from that?

Accepted Answer

Yes, there are no relevant exclusions that would apply to working with animals.

Question 59

Is driving a motorized vehicle restricted in any way?

Accepted Answer

There are two cases where you would not be covered for motor-related injuries (car, motorcycle, scooter, etc.):

1. Self-inflicted injury (Exclusion 7.25). For example, reckless driving or driving under the influence of drugs and/or alcohol.

2. Professional sport (Exclusion 7.23). For example, if you are a professional race car driver or being paid for a race.

Question 60

Would I be covered if I got an infection from a tattoo?

Accepted Answer

Remote Health does not have an exclusion for pigments or body ink. Therefore, should a member get a tattoo and has the misfortune of getting an infection, we would cover the treatment of the infection and symptoms under the outpatient benefit.

Question 61

I play soccer on a professional team. If I’m injured, will my treatment be covered?

Accepted Answer

If you are participating in any sport professionally, claims resulting from injuries or illness are not covered by Remote Health. See exclusion 7.23.

Question 62

Are things like an ACL tear, past sports injury, torn rotator cuff, etc. considered pre-existing conditions?

Accepted Answer

As long as your pre-existing condition is not a general policy exclusion, it will not affect your coverage under Remote Health, as long as you are part of a company plan.

Question 63

What does “passive war and terrorism” mean?

Accepted Answer

This refers to injuries sustained as a bystander during a war on terrorism. As long as you aren’t engaged in the war on terrorism and are a spectator, injuries sustained are covered 100%.

Question 64

Is fitness included in any plans?

Accepted Answer

At this time, no. We’d love to roll out this benefit in the future.

Frequently Asked Questions

Frequently Asked Questions

Do you do a health checkup prior to the start of the insurance? Do you exclude pre-existing conditions?

Does the age limit of 74 apply to all plans?

Can citizens of the United States enroll in Remote Health?

Can you cover members in the USA or Canada?

I'm located in Germany, and we are legally obliged to prove that we have health insurance. Do you know if Remote Health qualifies in this case?

It's listed that Remote Health is secondary insurance since I reside in Switzerland. If my Swiss Medical Insurance plan won't cover me, can I count on Remote Health to cover me?

How do I sign up?

Who can I add to my plan? Can they have different plans than me?

When can I add my family members (dependents)?

I'm married, and we have children. My spouse has their own insurance coverage, but I would like to include my kids. Is this possible?

Are same-sex partners allowed?

I do not have a passport which is a required field to sign up for SafetyWing. Can I provide an alternative ID?

Does the maximum policy benefit include dependents?

What happens if I leave my company during the contract? Do I keep the insurance until the end of the duration?

How can I get a visa letter confirming my coverage?

Can I change/customize my Remote Health plan?

Can I switch between the Standard Plan and Premium plan? Especially if I decide to add on dependents?

If I add a dependent to my plan, I will pay for the cost of coverage. Is this a monthly payment?

How does this insurance work?

How is Remote Health different from other insurance plans?

What do the different plans cover?

How do I choose a country of residency?

Will the insurance also cover other short-term trips? Should I notify you if I want to use the insurance in a country different from my residence?

Can I use Remote Health to apply for a Schengen visa?

I noticed that the United States, Hong Kong, and Singapore are outside of the geographical area of coverage. Can I still visit these countries? Will I have any coverage if I need medical attention during my stay?

What is the difference between Remote Health, Nomad Insurance and Nomad Health?

Are there any waiting periods?

Is there a deductible?

What is a policy year?

Is Remote Health insurance locally compliant?

What if I have another insurance?

What are the extra benefits if I already have public healthcare in my country of residence?

Who decides if something is “medically necessary”?

What are the perks of being part of a group plan such as Remote Health?

Is it possible to only sign up for dental and vision?

Are individuals subject to any taxation on their benefits?

Are there any countries where coverage is limited or restricted?

Is a ‘gap cover’ applicable to these plans, or will that be dependent on the gap cover provider?

When does my coverage start?

What do the different plans cover?

What is your coverage for surgeries or major procedures?

What is your outpatient coverage?

What does the screenings & vaccine benefit cover?

What is your maternity coverage?

What is your mental health coverage?

What is your vision coverage?

What is your dental coverage?

Is dental treatment covered if it's due to an emergency (e.g. damaged tooth in a car crash)?

What is the coverage for chemotherapy/cancer treatment?

Is special equipment for a medical condition covered, such as special boots due to a foot condition?

How does the coverage handle pre-existing conditions? For example, if I am undergoing treatment on my current plan, would I be able to continue treatment on my Remote Health plan?

Does Remote Health cover extreme activities like scuba diving or bungee jumping?

What does the evacuation and repatriation benefit cover?

Are tests like an MRI or CT scan covered?

What is covered in the complementary therapy benefit?

Is the COVID-19 vaccine covered?

Is COVID-19 testing covered?

Does Remote Health cover volunteering/working with animals and any injuries sustained from that?

Is driving a motorized vehicle restricted in any way?

Would I be covered if I got an infection from a tattoo?

I play soccer on a professional team. If I’m injured, will my treatment be covered?

Are things like an ACL tear, past sports injury, torn rotator cuff, etc. considered pre-existing conditions?

What does “passive war and terrorism” mean?

Is fitness included in any plans?

Is birth control covered?

Can I see a physical therapist?

Are hearing tests or hearing aids covered?

What do you not cover?

What does 10% co-insurance for outpatient benefits mean on the Standard Plan?

What does the US$5,000 outpatient limit mean?

How does life coverage work?

I'm interested in life insurance. How can I get it?

Can family members also have life coverage?

Are pre-existing conditions covered under life insurance?

How many family members can receive the payout?

How can one make a claim under life coverage?

How do I use my SafetyWing insurance when I go to the doctor or hospital for treatment?

Where can I go for treatment?