MORE BENEFITS, FEWER EXCLUSIONS

International Health Insurance danmark a/s (IHI) is a Danish Company registered in Copenhagen, specialising in worldwide medical insurance.

IHI – A company you can trust

IHI is a part of the worldwide health and care organisation BUPA (British United Provident Association), which was established in 1947 and reported reserves of USD 2,6 billion in their accounts for 2004.

250,000 private and corporate clients in over 190 countries rely on IHI. For more than 30 years, we have built up a global network of business partners, local offices and wellrespected medical consultants.

As a Danish company, we are regulated by the strict standards set by the Danish Insurance Contracts Act and the European supervisory authorities.

With International Swiss Medical you can relax in the knowledge that wherever you are living or travelling, you and your family will have the best health care and support, should you need it:

• Worldwide cover with complete freedom of choice concerning specialists, hospitals, etc.

• 24-hour Emergency Service – you can contact us at any time on telephone +45 33 15 33 00

• Full cover regardless of your job, leisure interests or sports activities

• Access to IHI’s respected medical consultants for advice or second opinions

• Preventative health services

• Access to IHI’s unique health programme, including our bonus programme

• Access to a broad range of online services, e.g. the possibility of managing your policy on our website

• Guaranteed renewal of the policy for life – regardless of your age and state of health

Your Cover Options

Health insurance requirements differ from country to country, and everyone has individual needs depending on e.g. their age and occupation. The International Swiss Medical plan offers you freedom, based on the most comprehensive Swissstyle medical benefits, and you will be covered during stays abroad as well as in your home country.

With the International Swiss Medical plan you also have a choice when it comes to the actual cover. Depending on your needs, your cover can be further increased with the Medical Evacuation Supplement and/or the Dental & Optical Supplement. The plan can also be supplemented with cover for IHI Critical Illness and/or IHI Personal Accident. Below is an overall description of your options, and you will find a detailed description in the Reimbursement List. 

The Complete Plan 

provides 100% coverage for hospitalisation, organ transplants, rehabilitation and childbirth. The annual insurance sum is CHF 1,500,000. Outpatient treatment, such as general practitioners, specialists, therapists and medicine expenses, is covered 90% up to a maximum of CHF 60,000 per policy year.

The Hospital Plan 

covers the expenses in connection with e.g. hospitalisation, organ transplants, rehabilitation and childbirth 100% up to the annual insurance sum of CHF 1,500,000.

The Medical Evacuation Supplement 

covers transportation to a qualified place of treatment if you have a serious illness or injury. For instance, we will cover expenses for transportation by aeroplane or helicopter. The insurance also covers expenses for an accompanying person.

The Dental & Optical Treatment Supplement 

gives you free choice of dentist and optician. Expenses for dental care are reimbursed with 75%. Routine dental treatment is subject to a 6 months waiting period while special dental treatment is subject to a 12 months waiting period. Expenses for glasses and contact lenses are reimbursed 50% up to a maximum of CHF 400 per person per policy year. The annual insurance sum is CHF 3,000.

IHI Critical Illness and Personal Accident

IHI Critical Illness provides you with a cash sum if you are diagnosed with or undergo surgery for a major critical illness, such as heart attack or cancer.

IHI Personal Accident provides a cash sum in the event of an accident resulting in e.g. the loss of an arm or leg, loss of sight, loss of the use of a hand or foot, death, etc.

The cash sum can be used for any purpose; e.g. supplement any loss of income while you recover, or finance any changes you may need to make to your home or car following the accident/illness.

IHI Travel offers you the best possible protection if you suffer a sudden, unexpected illness or injury when travelling outside your country of residence. There is no
deductible on IHI Travel, this means that the deductible chosen on the International Swiss Medical plan will be covered by IHI Travel. You are covered for e.g. next-of-kin accompaniment and repatriation if relatives at home get seriously, acutely ill. If you take out IHI Travel in addition to the International Swiss Medical plan you will receive a discounted rate on the travel plan.

The Policy Conditions for the IHI Critical Illness, IHI Personal Accident and IHI Travel supplements are described in separate brochures.