Life & Health Insurance

Products

Global Benefits Georgia together with Global Benefits Group develops international life & health medical insurance programs for corporate sector. Our private medical insurance offers full medical coverage accompanied by premium levels of customer service. Designed for clientelle who value expertise, freedom and quality, whether you want to see a preferred doctor close to home or a specialist in another country. Team of  experienced and highly professional risk and personal managers are available 24/7 to offer you truly exceptional product and  customer care.

 

 

While, insurance plans designed at Global Benefits Georgia are almost never the same, most of groups insured have following benefits:

 

  • Accidents and illnesses
  • Emergency medical evacuation and air transportation
  • Prescription medication cover worldwide
  • Inpatient and outpatient coverage
  • Dental Care
  • Maternity benefits
  • Well baby care benefits
  • Dependent coverage to age 24
  • Chronic conditions covered
  • Mental health benefits
  • Approved pre-existing conditions covered
  • Repatriation
  • For further information, on our life & health products portfolio, please fill out the enquiry form.

Benefits Protector

Benefits Protector health policy is designed for residents of Georgia. The product’s features include full international coverage for planned and emergency medical care within the limits of insurance plan and freedom to choose from any licensed medical facilities anywhere in Georgia and rest of the world. Insurance cost reimbursements under 1000 GEL are done within 24 hours from claims submission date and procedures are identical for the services received in Georgia and abroad.

Benefits Protector offers 4 insurance plans with different medical cover and limits.

 

    • Private risk and service managers
    • International cover for all planned and emergency medical care
    • Therapies included ( oncology, radiotherapy and chemotherapy)
    • Chronic conditions cover
    • Dental services 100% cover within the limit
    • Homeopathic medicines, biologically active additives, immunomodulators, immunostimulators covered
    • Full pregnancy and maternity cover, including c section
    • Uninsured newborn coverage
    • Selection of preventive treatment worldwide
    • Physical rehabilitation following in-patient treatment
    • Physiotherapy
    • Alternative Medical Treatment
    • Organ Transplantation
    • Home nursing
    • Psychiatric care
    • Repatriation

Health Protector

Health Protector - is a health plan specifically designed in cooperation with Turkey's most successful private medical hospital and outpatient network of ACIBADEM. This product enables ensured to benefit from  direct billing option in any of the ACHIBADEM’s network medical institution, in addition to medical cover in Georgia.

 

ACIBADEM Medical Network - founded in 1991 is a leading private healthcare provider in Turkey, offering highest caliber of health services and skilled professionals. Acıbadem operates 21 general hospitals and 17 outpatient centers across Turkey, providing wide-ranging diagnostic and other treatments and state-of-the-art medical technology.

The product comes with a wide range of services and includes two international plans: Crystal and Diamond.

 

  • Cover for all In-Patient and day-care hospital costs
  • Pregnancy and maternity cover
  • Capped out-patient treatment (consultations, treatment & prescriptions)
  • Emergency medical evacuation and air transportation
  • Possibilities for 100% cover as well as co-pay

 

Medical Cover

HEALTH PROTECTOR
Currency: EUR
Plan Benefits
SECTION 1
MEDICAL EXPENSES
CRYSTAL DIAMOND
Maximum annual benefit
(all sections combined) (per person)  
80 000 500 000
INPATIENT TREATMENT within our network – All hospital charges including:
Accommodation (semi-private room) and meals Nursing care Operating theatre Specialists fees Medicines and drugs Emergency & recovery room ICU and coronary care unit Medical appliances & prosthetics

 

 

All diagnostic procedures and testing Lab pathology & X-rays Hi-Tec scans (CT, MRI & PET)

 

 

Radiotherapy, chemotherapy & oncology

 

 

Organ Transplantation

50 000

100 000

DAYCARE TREATMENT
Hospital charges (as per inpatient benefits, received as a day care patient)

 

 

OUTPATIENT TREATMENT (20% co-pay on ALL outpatient treatments for Crystal plan), whether followed by inpatient treatment or not:
Medical practitioner and specialist consultations & treatment Prescribed drugs Diagnostic procedures and testing Lab pathology & x-rays Hi-Tec scans (CT, MRI & PET) 1600

 

THERAPIES
Radiotherapy, chemotherapy, oncology

 

 

Physiotherapy (no. of treatments) 20

30

CHRONIC CONDITIONS
including consultations, treatment, medications and hospital costs (after 12 months waiting period – no symptoms or treatments within this time, even if paid by member; otherwise the moratorium will restart)

3 000

3 500

PSYCHIATRIC care

 

1 500

HOME NURSING up to 90 days

 

 

Physical REHABILITATION following inpatient treatment

 

1 000

Road AMBULANCE costs

 

 

PREVENTIVE CARE (including immunization)

 

300
MATERNITY
MATERNITY (4 months waiting* period)

 

5 000
Prenatal care, childbirth and postnatal care/td>

 

 

Complications

 

 

Travel expenses to home country for childbirth (until 7th month of the pregnancy at the latest)

 

50%

Pregnancy conception date has to be at least 4 months after policy inception date (or date of upgrade if transferring from a lower plan), otherwise maternity will not be covered.
Newborn benefit, first 14 days; for covered pregnancy only

 

5 000

Well-baby care including immunization up to 12 months (available if insurance for newborn child is purchased)

 

6 Visits

Section 2

Pre-trip medical information

 

 

Long distance medical advice

 

 

Emergency assistance

 

 

Doctor referral

 

 

Emergency evacuation

 

 

Medical expenses following repatriation

 

 

Repatriation of mortal remains or local burial  15 000  15 000
War and terrorism coverage (per person/per event) (per event maximum amount)

80 000
700 000

175 000
700 000

შეავსეთ სადაზღვევო განაცხადი

Global Protector

The Comprehensive International Medical Plan for Expatriates and Multinational Organizations. This is a premium product that consists of 5 plans - Basic, Basic +, Silver, Gold and Platinum with various terms, Geographical and medical covers. Annual limit per person varies and goes up to 3,000,000 Euros. There is a direct settlement to Hospitals and Clinics for in-patient and day-care treatment and a no restrictive Hospital lists – freedom of choice of treatment provider.

 

Covers include:

 

  • Cover for all In-Patient and day-care hospital costs and ancillary services, including specialists, surgeons & anesthetists fees
  • Therapies - radiotherapy, chemotherapy oncology and physiotherapy
  • Capped out-patient treatment (consultations, treatment & prescriptions)
  • Chronic conditions
  • Alternative Medical Treatment - Chiropractic, osteopathic, homeopathic & Chinese medicine
  • Cash benefits for hospitalization and convalescence
  • Pregnancy and maternity (including costs abroad)
  • Psychiatric care & physical rehabilitation following in-patient treatment
  • Home nursing
  • Annual medical check-ups
  • Emergency medical evacuation and air transportation
  • Compassionate benefits & expenses of a chaperone
  • War & Terrorism Cover
  • 14 day money back guarantee
  • Repatriation

 

Medical Cover

GLOBAL PROTECTOR
Currency: Euro
PLAN BENEFITS
SECTION 1
Medical Expenses
BASIC SILVER GOLD PLATIUM
Annual Benefit, per person  100 000 1 000 000 2 000 000 3 000 000
Medical Assistance & Repatriation
Pre - trip Medical Information

 

 

 

 

Long distance Medical Advice

 

 

 

 

Emergency Assistance

 

 

 

 

Doctor Referral 1 000 000 1 000 000 1 000 000 1 000 000
Emergency Evacuation

 

 

 

 

Medical Expenses following Repatriation 15 000 15 000 15 000 15 000
INPATIENT TREATMENT - All hospital charges including
Accommodation, meals, nursing care Operating theatre Specialists fees Medicines and drugs Emergency & Recovery room ICU and Coronary Care Unit Medical appliances & prosthetics All diagnostic procedures and testing Lab pathology & X-rays Hi-Tec scans (CT, MRI & PET)

 

 

 

 

Radiotherapy, chemotherapy & oncology

 

 

 

 

Accommodation costs per night, for a parent who has a child under 16 in hospita 30
Max 30 Days
100
Max 30 Days
100
Max 30 Days
100
Max 45 Days
Accommodation costs for a child to stay with a nursing mother, who is an inpatient

 

 

 

 

Cash benefit per night if the insured is treated in a public hospital 30
Max 10 Days
50
Max 10 Days
100
Max 10 Days
150
Max 20 Days
Organ Transplantation 50 000 100 000 150 000 200 000
DAYCARE TREATMENT
Hospital Charges: (as per inpatient benefits, received as a Day-Care patient)

 

 

 

 

OUTPATIENT TREATMENT, whether followed by Inpatient treatment or not:
Medical Practitioner and Specialist consultations & treatment Prescribed Drugs Diagnostic procedures and testing Lab pathology & X-rays, Hi-Tec scans

 

1 600

 

 

THERAPIES
Radiotherapy, Chemotherapy, Oncology

 

 

 

 

Physiotherapy (no. of treatments) 10 20 30 40
ALTERNATIVE MEDICAL TREATMENT
Chiropractic, osteopathy, acupuncture, homeopathy or Chinese Medicine, after the first 2 visits
Per Policy Year Maximum

 

350
10 Visits
750
20 Visits
1 500
40 Visits
Per Visit Maximum

 

40 40 75
Policy Year Maximum for Homeopathic & Chinese Herbal medicines prescribed

 

350 750 1 000
OTHER BENEFITS
CHRONIC conditions including consultations, treatment, medications and hospital costs after first 24 months

 

3 000

3 500 7 000
PSYCHIATRIC care

 

 

1 500 2 000
HOME NURSING up to 90 days

 

 

 

 

PREGNANCY
Routine childbirth (after 4 months cover)

 

 

2 000 10 000
Complications

 

 

 

 

Travel expenses to home country for childbirth

 

 

50% 50%
Newborn Benefit including Newborn care

 

 

 

75 000

New Born of not covered pregnancy

75 000

75 000

75 000

75 000

Physical REHABILITATION following Inpatient treatment

 

 

1 000 1 500
Road AMBULANCE costs

 

 

 

 

PREVENTATIVE CARE:
Annual Medical check-up

 

optional optional 300
DENTAL:
- Emergency treatment after accident

 

500 1 500 4 000
Dental Care (25% co-pay, 6 months waiting period)

 

optional 500 3 000
SECTION 3
Additional Travel & Accommodation Costs
ACCOMPANYING TRAVEL & EXPENSES Travel and accommodation costs for one person to accompany the insured person following an 3,500 evacuation or in the event of return of mortal remains (Per Person / per evacuation) 3 500 3 500 3 500 3 500
SECTION 4
Hospitalization & Convalescence Cash Benefit
HOSPITALISATION - beginning after first 28 consecutive Days. Maximum of 50 consecutive days of coverage applies (per complete day)

 

 

 

100
CONVALESCENCE - beginning after first complete week (Per complete week / max 10 weeks

 

500 500 500

შეავსეთ სადაზღვევო განაცხადი

Student Protector

Global Benefits Georgia has developed a special medical insurance plan for students who are planning to continue their higher education abroad. Our medical insurance plan “Student Protector” is fully in line with medical insurance requirements of the world’s leading universities and can be fine-tuned subject to individual requests of a student. Students who benefit with this insurance plan gain access to the worldwide medical provider network of Global Benefits Group with over 10.000 high profile medical centers and 24/7 GBG Assist support solution, that offers assistance in emergency situations as well as with planning of the medical treatment and other related issues. Global Benefits Georgia is directly settling payments with medical providers from its network in line with medical cover limits as stated in the insurance plan.

 

Student Protector offers customizable insurance plans with different geographical and medical coverages.

 

Geographical Coverage:

 

  • Geographical Coverage: Georgia/Country of Education

 

 

Medical Cover

STUDENT PROTECTOR
Currency EURO
Plan Benefits CRYSTAL DIAMOND
SECTION 1 Medical Expences
Maximum annual benefit (combined, per person) 80 000 500 000
Inpatient Tretment-All hospital charges including:
Accommodation (semi-private room) and meals, nursing care, operating theatre and specialists fees. Medicine and drugs. Emergency & recovery room. ICU and coronary care unit. Medical appliances & prosthetics

 

 

All diagnostic procedures and testing. Lab pathology & X-rays, Hi-Tec scans (CT, MRI & PET).All diagnostic procedures and testing. Lab pathology & X-rays. Hi-Tec scans (CT, MRI & PET)

 

 

Radiotherapy, chemotherapy & oncology

 

 

Organ Transplatation 50 000 100 000
Daycare Treatment
Hospital charges (inpatient benefits, as a day care patient)

 

 

Outpatient Treatment
(20% co-pay on ALL outpatient treatments for Crystal plan)
Medical practitioner and specialist consultations & treatment. Prescribed drugs. Diagnostic procedures and testing. Lab pathology & x-rays. Hi-Tec scans (CT, MRI & PET) 1 600

 

Therapies
Radiotherapy, chemotherapy, oncology

 

 

Physiotherapy (no. of treatments) 20 30
Other Benefits
Chronic Conditions (Consultations, treatment, medication & hospital costs) 3 000 3 500
PSYCHIATRIC care

 

1 500
Home Nursing
( up to 90 days )

 

 

Physical rheabilitation following inpatient treatment

 

1 000
Road Ambulance

 

 

Preventive Care (including immunization)

 

300
Maternity (4 months waiting period)

 

5000
Prenatal care, childbirth and postnatal care

 

 

Complications

 

 

Travel expenses to home country for childbirth (until 7th month of the pregnancy at the latest)

 

50%
New-born benefit, first 14 days; for covered pregnancy only

 

5 000
Well-baby care including immunization up to 12 months (available if insurance for new-born child is purchased)

 

6 Visits
SECTION 2 Medical Assistance & Repatriation
Pre-trip mdeical information

 

 

Long distance medical advice

 

 

Emergency assistance

 

 

Doctor referral

 

 

Emergency Evacuation

 

 

Medical expenses following repatriation

 

 

Repatriation of mortal remains or local burial 15 000 15 000
War and terrorism coverage
(per person/per event)
(per event maximum amount 700 000)
80 000
700 000
175 000
700 000

Geographical Coverage:

 

  • Europe (excluding Switzerland, Russia, UK);
  • Worldwide (excluding Nth. America, China, Russia, UK, HK & Singapore);
  • Worldwide excluding Nth. America;
  • Worldwide.

 

Medical Cover

 
Plan Benefits
Section 1
Medical Expenses
BASIC BASIC EMERGENCY
Maximum Annual Benefit 50 000 50 000
Inpatient Treatment – All Hospital Charges Including:
Accommodation, meals, nursing care.Operating theatre. Specialists fees. Medicine and drugs. Emergency & Recovery room. ICU and coronary care unit. Medical appliances & prosthetics

 

 

All diagnostic procedures and testing. Lab pathology & X-rays. Hi-Tec scans (CT, MRI & PET)

 

 

Radiotherapy, chemotherapy & oncology

 

 

Cash benefit per night, if treated in a public hospital 30
Max. 30 Days
30
Max. 30 Days
Organ Transplantation

 

 

DAYCARE TREATMENT
Hospital Charges: (as per inpatient benefits, received as a Day-Care patient)

 

 

OUTPATIENT TREATMENT, whether followed by Inpatient treatment or not:
Medical Practitioner and specialist consultations & treatment. Prescribed Medications. Diagnostic procedures and testing. Lab pathology & X-rays. Hi-Tec scans 1 500 500
Therapies
Physiotherapy (no. of treatments) 10

 

ALTERNATIVE MEDICAL TREATMENT Chiropractic, osteopathy, acupuncture, homeopathy or Chinese Medicine, after the first 2 visits
Per Policy Year Maximum 100 / 10 Visits

 

Per Visit Maximum 20

 

Policy Year Maximum for Homeopathic & Chinese Herbal medicines prescribed 100

 

Pregnancy & Childbirth
Pregnancy Specialist’s Consultation, prescribed medication, diagnostic procedures, clinical and lab tests.

 

Covered from Outpatient Treatment Limit
Childbirth Routine Childbirth, complications and C-section. 1 000 500
Other Benefits
CHRONIC conditions including consultations, treatment, medications and hospital costs 1 000 Outpatient Treatment Limit
(3000 – for Inpatient Treatment)
Covered from Outpatient Treatment Limit
( 1 000 - for Inpatient Treatment )
Physical REHABILITATION following Inpatient treatment 500

 

Road AMBULANCE costs

 

 

Emergency Dental Care 500 200
War & Terrorism 50 000 25 000
Section 2: Medical Assistance & Repatriation
Pre - trip Medical Information

 

 

Long distance Medical Advice

 

 

Emergency Assistance

 

 

Doctor Referral

 

 

Emergency Evacuation 50 000 50 000
Medical Expenses following Repatriation

 

 

Repatriation of Mortal Remains or Local Burial 15 000 5 0000

შეავსეთ სადაზღვევო განაცხადი

Critical Illness Insurance

Critical Illness Insurance is unique and exclusive product offered by Global Benefits Georgia to the local and regional market. It offers a lump-sum cash payment, (20’000 or 50’000 Euros) if policy holder is diagnosed with one of the following 7 conditions: Heart attack, cancer, stroke, kidney failure, major organ transplant, coronary artery by-pass surgery and multiple sclerosis. One claim for Critical Illness will exhaust the policy per insured person.  

This insurance product is affordable for members of any social groups and quotes are generated individually based on gender and age.

Life and Disability Insurance

Life & PA insurance provides cover from various types of risks and offers financial protection in the event of the death caused by natural causes or an accident.  It also provides greater financial security for a member of staff who is unable to perform their occupation following an accident or illness. Groups can choose from either Short and Long Term, or Temporary and Permanent disability:

Travel Insurance

Global Benefits Georgia’s travel products offers protection and peace of mind – whether you are traveling for business or pleasure. At Global Benefits Georgia you can purchase individual or group insurance plans with worldwide protection and coverage for illness and accidents.

All travel insurance plans include:

 

  • Emergency Medical treatment
  • Assistance-coordinated Evacuation and Repatriation
  • Accompaniment
  • Quality Healthcare Facilities Around the World
  • 24/7 Service

 

 

The product offers Single Trip or Annual Multi-Trip international coverage (which allows you to take as many trips during the year up to 42 or 90 days). Travel insurance plans can be customized to include additional benefits such as:

 

 

  • Missed Departure or Travel Delay;
  • Accidental Death & Disability or Personal Accident;
  • Primary cover for Personal Liability and Property Damage;
  • Lost and/or Delayed Baggage;
  • Loss of Passport;
  • Legal Expenses;
  • Non-Medical Evacuation in case of War and Terrorism.

Wide variety of products
International coverage.

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