Comprehensive Health Insurance Plans

We Offer the Most Competitive Pricing on the Market. You Decide.

Access HMO offers 2 superior Global Health plans and a Plus+ option designed to meet the specific needs of those who expect the very best healthcare available. Our plans cover inpatient and outpatient medical care at a licensed doctor or hospital of Your Choice (subject to deductible, co-payment or co-insurance where applicable). Medical evacuation and repatriation are included. Ambulance fees are fully covered. We offer optional maternity coverage at an additional cost.

These Private Health Insurance plans satisfy the Visa and Residency permit requirements of all EU member states and most other countries worldwide.

No Hidden Fees, Surcharges, or Additional Costs Whatsoever.
You Can Be Confident in Your Purchase When You’re Insured with Access HMO!

Gold PlanPlatinum Plan
Coverage Area Gold Plus+ and Platinum Plus+ cover you Worldwide with no boundaries
Gold Plan and Platinum Plan cover you Worldwide EXCLUDING: USA, Canada, Japan, Singapore, China, Hong Kong, Taiwan, Macau
Lifetime Maximum Benefit $ 1,000,000. or € 900,000. per individual
$ 5,000,000. or € 4,500,000. per individual
Deductible $ 1,000. or € 900. No Deductible in Network
In Network Copayment $ 0. to $ 25. or € 0. to € 20. depending on location and facility
Hospital Room & Board In US. – 100% of average semi-private room rate.
Outside of US. – 100% of private room rate
Not to exceed 150% of semi-private room rate
.
In US. – 100% of average semi-private room rate.
Outside of US. – 100% of private room rate
Not to exceed 150% of semi-private room rate
All subject to $ 600. or € 550. per day – 240 day max
Surgery 100%
Intensive Care Unit 100% $ 1,500. or € 1,400. per day – 180 days of coverage per event
Emergency Room Illness
(Additional $250 deductible if not admitted as an inpatient)
Covered only if admitted as inpatient 100%
Emergency Room Accident 100%
Local Ambulance Due to Injury or Illness Resulting in Hospitalization $ 1,200. or € 1,000. maximum limit per event
Not subject to deductible or coinsurance
100%
Prescription Medication Inpatient: 100%.
Outpatient: Available for 90 days following related inpatient treatment or outpatient surgery. $ 600. or € 550. outpatient maximum limit per inpatient event
Inpatient: 100%.
$ 50,000. or € 46,000. maximum per period of coverage.
Not subject to deductible or coinsurance.
Emergency Evacuation $ 40,000. or € 35,000. maximum per period of coverage.
Not subject to deductible or coinsurance
$ 50,000. or € 46,000. maximum per period of coverage.
Not subject to deductible or coinsurance
Return of Mortal Remains $ 10,000. or € 9,000. lifetime maximum
Not subject to deductible or coinsurance
$ 25,000. or € 23,000. lifetime maximum
Not subject to deductible or coinsurance
Maternity Optional at additional cost, if approved
Physical Therapy Inpatient: 100%.
Outpatient: $ 30. or € 25. maximum limit per visit, and 10 visits per event, available for 90 days following Inpatient Treatment or Outpatient Surgery
Inpatient: 100%.
Outpatient: $ 40. or € 35. maximum limit per visit,
30 visits per event
Mental / Nervous Not Covered Outpatient after 12 months of continuous coverage
Child Wellness
(Through age 18)
Not Covered 3 visits per period of coverage
$ 70. or € 65. maximum per visit
Available after 12 months of continuous coverage
Routine Dental Not Covered
Emergency Dental Due to Accident $ 750. or € 675. per period of coverage $ 1,000. or € 900. per period of coverage
Vision Not Covered
Hospital Indemnity
(Outside the US. only)
Private Hospitals: $ 350. or € 300. per over-night and
$ 3,500. or € 3,000. maximum limit per period of coverage
Public Hospitals: $ 450. or € 400. per over-night and
$ 4,500. or € 4,000. maximum limit per period of coverage
Private Hospitals: $ 400. or € 350. per over-night and
$ 4,000. or € 3,500. maximum limit per period of coverage
Public Hospitals: $ 500. or € 450. per over-night and
$ 5,000. or € 4,500. maximum limit per period of coverage
Pre-Existing Conditions Limitation Excluded $ 50,000. or € 45,000. lifetime maximum;
$ 5,000. or € 4,500. per period of coverage after 24 months Subject to Application approval.