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Brochure DKV Globality AOC Insurance Broker partner Cogenio

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Brochure DKV Globality AOC Insurance Broker partner Cogenio Powered By Docstoc
					Globality CoGenio®
Outstanding cover for outstanding employees




                                          DKV Globality. Globally yours.
Optimum care for your employees
– anywhere, at any time
Flexible and modular insurance solutions,
tailored to your needs




Your company’s economic performance depends
decisively on your employees. Their ability and
efficiency is a key factor in the global competition for
markets and customers.

The men and women you send abroad are highly
qualified and committed. This makes it all the
more important to ensure optimum care for these
employees in the event of illness. Their health
deserves nothing less than the best insurance service.

With DKV Globality, a part of Munich Re Group, you
are choosing a leading international health insurer
with an exclusive focus on companies who employ
expatriate staff.

Within the framework of group insurance, we have
created different plans with attractive benefits
designed meet your company’s needs.
From international centres of economic activity to      First-class advice and organizational support lie at
emerging markets: DKV Globality is always nearby        the heart of our international services, both when
throughout the world.                                   providing benefits and when dealing with general
                                                        enquiries.
DKV Globality stands for maximum security and
stability, regardless of where you send your            DKV Globality is always at your side with expertise
employees, where they come from and how long they       and experience – a calming thought.
remain abroad.

Our service concept supports your HR team with lean
and efficient processes, as well as rapid access to
all essential facts and figures concerning your group
insurance contract.

DKV Globality offers your employees and their
families comprehensive outpatient, inpatient and
dental insurance cover throughout the world, as well
as straightforward access to professional care and
medical services.
Access to worldwide care with the highest standards
available
Comprehensive insurance cover
Efficient information management for your
Personnel Department
Our assistance and service concept assures qualified    The user portal “My Globality”, which meets the
diagnosis and optimum medical treatment. The best       high security standards of the financial centre
possible care of your employees delivered in the        Luxembourg, gives you direct access to information
most cost-efficient way is a central aspect of our      concerning your group contract.
commitment to our clients.
                                                        Your internet portal ensures an exchange of all
Moreover, DKV Globality not only establishes the        information regarding the Globality insurance cover.
conditions necessary for effective medical treatment,
for example by agreeing in advance to bear the costs
of inpatient treatment.

More than 80 years of experience in the health
insurance sector provides the basis for sound
know-how in which you can place your trust. As
a member of the Munich Re Group, we can offer
you the strength and security of one of the world’s
leading reinsurers and the competence of a world-
class international network of assistance and service
partners.

Direct access to this worldwide network of assistance
and service partners covers the needs of every single
corporate client no matter where their employees are
based.




Effective cost control and efficient customer service
Innovative competence based on decades of experience
Insurance concepts designed to meet your employee
benefit requirements:



DKV Globality offers you three different plan
levels each with or without deductibles
Our Globality CoGenio® range consists of the following
plan levels:
• Classic
• Plus
• Top

Even the lowest plan levels include comprehensive
benefits for inpatient, outpatient and dental
treatment, as well as special assistance services.

The following table of benefits is an extract of the
complete scope of benefits and services.
Assistance services

Classic                                    Plus                                       Top

24-hour service with experienced           24-hour service with experienced           24-hour service with experienced
counsellors, own doctors and specialists   counsellors, own doctors and specialists   counsellors, own doctors and specialists

Medical evacuation and repatriation        Medical evacuation and repatriation        Medical evacuation and repatriation

Information on medical infrastructure      Information on medical infrastructure      Information on medical infrastructure
(local medical care and names and          (local medical care and names and          (local medical care and names and
addresses of multilingual doctors)         addresses of multilingual doctors)         addresses of multilingual doctors)

Support and information (by our medical    Support and information (by our medical    Support and information (by our medical
service, second opinion, monitoring of     service, second opinion, monitoring of     service, second opinion, monitoring of
the course of the illness)                 the course of the illness)                 the course of the illness)

Assumption of costs guarantee and/ or      Assumption of costs guarantee and/ or      Assumption of costs guarantee and/ or
payment of an advance (preparation for     payment of an advance (preparation for     payment of an advance (preparation for
a stay in hospital)                        a stay in hospital)                        a stay in hospital)

Support in case of bereavement             Support in case of bereavement             Support in case of bereavement
(up to € 2,500/ $ 3,250/ £ 2,100)          (up to € 5,000/ $ 6,500/ £ 4,200)          (up to € 10,000/ $ 13,000/ £ 8,400)

Appropriate additional medical support     Appropriate additional medical support     Appropriate additional medical support
(information on the nature, possible       (information on the nature, possible       (information on the nature, possible
causes and possible treatment of an        causes and possible treatment of an        causes and possible treatment of an
illness)                                   illness)                                   illness)

Country profiles online                    Country profiles online                    Country profiles online

               –                           Organizing visits to the patient           Organizing visits to the patient
                                           (reimbursement of costs up to              (reimbursement of costs up to
                                           € 1,500/ $ 1,950/ £ 1,260)                 € 3,000/ $ 3,900/ £ 2,520)

               –                           Procurement and shipment of vital          Procurement and shipment of vital
                                           medication                                 medication

               –                           Psychological help by telephone            Psychological help by telephone
                                           (three calls)                              (five calls)

               –                                          –                           Organizing return transport or care for
                                                                                      the children

               –                                          –                           Document depot (safe custody, help in
                                                                                      obtaining replacements)

               –                                          –                           Organizing help in the event of legal
                                                                                      difficulties

               –                                          –                           Procurement of intercultural training
Inpatient treatment

Classic                                     Plus                                           Top

Accommodation in a private or               Accommodation in a private or                  Accommodation in a private or
semiprivate room                            semiprivate room                               semiprivate room

Medical treatment (examination, diagnosis   Medical treatment (examination, diagnosis      Medical treatment (examination, diagnosis
and medical services for example            and medical services for example               and medical services for example
radiology, computed tomography (CT),        radiology, computed tomography (CT),           radiology, computed tomography (CT),
magnetic resonance imaging (MRI))           magnetic resonance imaging (MRI))              magnetic resonance imaging (MRI))

Transport to the nearest hospital           Transport to the nearest hospital              Transport to the nearest hospital

Drugs and dressings                         Drugs and dressings                            Drugs and dressings

Therapies/ physiotherapy                    Therapies/ physiotherapy                       Therapies/ physiotherapy

Therapeutic aids and appliances as a        Therapeutic aids and appliances as a           Therapeutic aids and appliances as a
life-saving measure (e.g. cardiac           life-saving measure (e.g. cardiac              life-saving measure (e.g. cardiac
pacemakers)                                 pacemakers)                                    pacemakers)

Chemotherapy, oncological drugs and         Chemotherapy, oncological drugs and            Chemotherapy, oncological drugs and
treatment, up to € 50,000/ $ 65,000/        treatment, up to € 100,000/ $ 130,000/         treatment
£ 42,000 per insurance year                 £ 84,000 per insurance year

Psychiatric treatment                       Psychiatric treatment                          Psychiatric treatment

               –                            Inpatient psychotherapy                        Inpatient psychotherapy

               –                            Other therapeutic aids and appliances (e.g.    Other therapeutic aids and appliances
                                            artificial limbs/ prostheses) up to € 2,000/   (e.g. artificial limbs/ prostheses)
                                            $ 2,600/ £ 1,680 per insurance year

               –                            Medical treatment during pregnancy and         Medical treatment during pregnancy
                                            childbirth; midwife or obstetric nurse but     and childbirth; midwife or obstetric
                                            excluding screenings during pregnancy          nurse but excluding screenings during
                                            up to € 5,000/ $ 6,500/ £ 4,200 per            pregnancy
                                            insurance year

               –                            Outpatient childbirth,                         Outpatient childbirth,
                                            lump sum of € 250/ $ 325/ £ 210                lump sum of € 500/ $ 650/ £ 420

               –                            Nursing care at home and domestic help         Nursing care at home and domestic help
                                            for up to 7 days                               for up to 14 days

               –                            Inpatient follow-up rehabilitation for up      Inpatient follow-up rehabilitation for up
                                            to 14 days per insurance year                  to 21 days per insurance year

               –                            Parent rooming-in during child inpatient       Parent rooming-in during child inpatient
                                            treatment (up to 18 years)                     treatment (up to 18 years)

               –                            Bone marrow and organ transplants up           Bone marrow and organ transplants
                                            to € 200,000/ $ 260,000/ £ 168,000 per         (reimbursement of costs for patient and
                                            insured person (reimbursement of costs         donor)
                                            for patient and donor)
Outpatient treatment

Classic                                     Plus                                        Top

Medical treatment (examination, diagnosis   Medical treatment (examination, diagnosis   Medical treatment (examination, diagnosis
and medical services for example            and medical services for example            and medical services for example
radiology, computed tomography (CT),        radiology, computed tomography (CT),        radiology, computed tomography (CT),
magnetic resonance imaging (MRI))           magnetic resonance imaging (MRI))           magnetic resonance imaging (MRI))

Cancer treatment (chemotherapy,             Cancer treatment (chemotherapy,             Cancer treatment (chemotherapy,
oncological drugs and treatment             oncological drugs and treatment)            oncological drugs and treatment)

Drugs and dressings                         Drugs and dressings                         Drugs and dressings

Therapies/ physiotherapy, including         Therapies/ physiotherapy, including         Therapies/ physiotherapy, including
massages                                    massages                                    massages

Psychiatric treatment                       Psychiatric treatment                       Psychiatric treatment

               –                            Outpatient psychotherapy                    Outpatient psychotherapy
                                            (20 sessions per insurance year)            (20 sessions per insurance year)

               –                            Screenings, up to € 250/ $ 325/ £ 210       Screenings, up to € 500/ $ 650/ £ 420
                                            per insurance year                          per insurance year

               –                            Vaccinations, up to € 250/ $ 325/ £ 210     Vaccinations
                                            per insurance year

               –                            Reimbursement of costs for pregnancy        Reimbursement of costs for pregnancy
                                            and childbirth, up to € 2,000/ $ 2,600/     and childbirth
                                            £ 1,680 per insurance year

               –                            Infertility treatment (50 % up to           Infertility treatment (50 % up to
                                            € 7,500/ $ 9,750/ £ 6,300)                  € 15,000/ $ 19,500/ £ 12,600)

               –                            Acupuncture, homeopathy, osteopathy         Acupuncture, homeopathy, osteopathy
                                            and chiropractic, up to € 500/ $ 650/       and chiropractic, up to € 1,000/
                                            £ 420 per insurance year                    $ 1,300/ £ 840 per insurance year

               –                            Vision aids, up to € 100/ $ 130/ £ 84       Vision aids, up to € 200/ $ 260/ £ 168
                                            per insurance year                          per insurance year




Dental treatment

Classic                                     Plus                                        Top

Pain relieve dental treatment               Dental treatment, including inlays          Dental treatment, including inlays

Dentures (implants, orthodontic             Dentures (implants, orthodontic             Dentures (implants, orthodontic
performances), if required as a result of   performances), up to € 2,000/ $ 2,600/      performances), up to € 5,000/ $ 6,500/
an accident (50% of costs)                  £ 1,680 per insurance year                  £ 4,200 per insurance year

               –                            Screenings for early detection of           Screenings for early detection of
                                            disorders of the teeth, mouth and jaw       disorders of the teeth, mouth and jaw
Pre-Existing medical conditions can be insured
Optional continuation of insurance




DKV Globality is your expert partner in all the world’s   By calling the number printed on the Service Card,
healthcare systems, a partner familiar with local         they can contact competent professional partners who
structures, who knows which people to contact in          speak their language. At any time day or night. Our
each situation. Your employees can rely on our 24-        multilingual service team will ensure that they receive
hour service with experienced counsellors, doctors        the required information without delay.
and specialists.
                                                          Rapid and efficient processing of claims and personal
Various supplementary services, ranging from              support are focal points of our claims handling
vaccinations before departure, recommending               department. Costs are reimbursed in over a 100 local
doctors and hospitals, making appointments or             currencies.
obtaining medication to quick and straightforward
reimbursement of costs. This ensures that your            “My Globality” under www.dkv-globality.com provides
employees receive optimum, flexible and multi-            your employees with direct and secure personal
disciplinary support.                                     access to all the main information (e.g. country
                                                          profiles, information for travellers, checklists,
The Globality Service Card identifies your employees      recommended vaccinations), benefit data and
to the medical providers (doctors, pharmacists,           documents associated with the insurance cover.
hospitals) as being patients with private insurance
and access to a premium network.
DKV Globality. Globally yours.




We will gladly provide you with full details relating to
our benefits and reimbursements as well as all the
services making business trips abroad easier for you.

Visit our website: www.dkv-globality.com

For further information call our sales advice line
+352/ 270 444 2201 or send us an e-mail at:
contact@dkv-globality.com
DKV Globality S.A.                      AOC Insurance Broker
13, rue Edward Steichen                 60 rue de Strasbourg
L-2540 Luxembourg                       92400 Courbevoie – France

Phone:      +352/ 270 444 2201          Phone:      +33/ (0) 6 09 12 32 89
Fax:        +352/ 270 444 2299          Phone:      +33/ (1) 56 07 07 07
E-Mail:     contact@dkv-globality.com   Fax:        +33/ (1) 49 97 80 38
Internet:   www.dkv-globality.com       E-Mail:     contact@aoc-insurancebroker.com
                                        Internet:   www.aoc-insurancebroker.com




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