Passportcard Europe
PassportCard Europe offers comprehensive international health insurance plans designed specifically for expatriates, digital nomads, and global citizens living abroad. The company provides three tiers of coverage with varying benefits, allowing customers to select the most suitable plan based on their healthcare needs and budget.
Coverage Tiers & Benefits
Core Components
| Benefit | Compact VyVMGEN | Comfort VyVMGEN | Premium AWP Medical Services |
|---|---|---|---|
| Maximum Annual Medical Coverage | 1,000,000-1,500,000 | 3,500,000 | 5,000,000 |
| Accommodation | Semi-private | Semi-private | Private |
| Medical Treatment | Covered | Covered | Covered |
| Surgery & Anesthetics | Covered | Covered | Covered |
| Imaging & Diagnostics | Covered | Covered | Covered |
| Parent Accommodation | Up to 20 days | Up to 40 days | Covered |
| Emergency Room | Covered | Covered | Covered |
| Maternity Care & Childbirth | Up to 10,000 per birth (12month waiting period) | Up to 25,000 per birth (12month waiting period) | Covered (12-month waiting period) |
| Complications of Pregnancy | Up to 200,000 | Covered | Covered |
| Childbirth Cash Benefit | 500 per newborn | 500 per newborn | 500 per newborn |
Optional Components
| Benefit | Compact VyVMGEN | Comfort VyVMGEN | Premium AWP Medical Services |
|---|---|---|---|
| Outpatient Office Visits | Family doctor covered; Specialist up to 2,000 | Covered | Covered |
| Outpatient Diagnostics | Up to 1,000 | Covered | Covered |
| Prescribed Medicines | Up to 100,000 (10% copay for brand names) | Up to 100,000 (10% copay for brand names) | Up to 100,000 (10% copay for brand names) |
| Emergency Evacuation | Covered (in-network only) | Covered (in-network only) | Covered (in-network only) |
| Health Checks (Adult) | Up to 100 | Up to 1,000 | Up to 500 |
| Well Child Care | Up to 250 per year | Up to 400 | Up to 200 |
| Telehealth Consultations | Not specified | Not specified | Not specified |
| Extreme Sports | Uncovered | Uncovered | Uncovered |
| Emergency Dental | Up to 3,000 (pain relief only) | Up to 6,000 | Up to 6,000 |
| Comprehensive Dental | Not covered | Optional rider (2,0005,000 per year) | 5,000 overall limit |
| Vision Coverage | 1 eye test per year (up to 30) | Eye test and vision aids up to 50 per year | Up to 300 in 24 months, examination up to 200 per year |
| Psychiatric Treatment | Up to 1,000 (12-month waiting period) | Up to 1,500 (12-month waiting period) | Covered |
| Psychotherapy | Not covered | Only by licensed psychiatrist (12-month waiting) | Covered |
| Vaccinations (Adult) | Not specified | Up to 100 | Covered |
| Vaccinations (Child) | Not specified | Covered | Covered |
Unique and Special Plan Features
24/7 Customer Service
All plans include round-the-clock phone and email support with experienced counselors, doctors, and specialists who can provide medical guidance and assistance.
Prepaid payment card provided by the insurer
Not specifically mentioned in the available information.
Mobile App
While online services are mentioned, specific details about a mobile app are not provided in the documentation.
Medical Case Management Service
All plans include support from medical professionals who provide second opinions and monitor illness progression. The service also assists with guarantee of payment preparation for hospital stays.
Other unique features
- Information on local medical infrastructure and doctors who speak several languages
- Psychological support for issues related to staying in the destination country
- Dog sitter costs coverage (up to 50 per day for 4 days)
- Compassionate family visit coverage (1 trip per condition)
- Emergency treatment outside coverage zone for up to 60 days
Plan Rules
Minimum and Maximum Acceptance Age
This information is not specified in the available documentation.
Plan is for individuals who live away from their home country for how long
This information is not clearly specified in the available documentation.
Geographic Zones of Coverage
While different coverage zones are referenced, specific geographic details are not provided.
Emergency treatment outside zone of coverage is included for up to 60 days.
Coverage in my home country
This information is not clearly specified in the available documentation.
Minimum duration of policy
This information is not specified in the available documentation.
Plan cancellation policy
This information is not specified in the available documentation.
Can they exclude my new health conditions at renewal time?
This information is not specified in the available documentation.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-approval is required for several treatments including psychiatric treatment, rehabilitation, hospice care, speech therapy, and certain other specialized treatments. Emergency treatment typically doesn’t require pre-approval.
Deductible and Cost-Share Options
| Plan Tier | In-network Reimbursement | Out-of-network Reimbursement | Maximum Member Coinsurance |
|---|---|---|---|
| Compact VyVMGEN | 80% | 60% | 10,000 |
| Comfort VyVMGEN | 90% | 70% | 5,000 |
| Premium AWP Medical Services | 100% | 80% | n/a |
Pros & Cons
Insurer Details
Plan Name: PassportCard Europe Long-Term International Health Insurance (Compact VyVMGEN, Comfort
VyVMGEN, and Premium AWP Medical Services tiers)
Who is the insurer? AWP Medical Services appears to be the insurer
Insurer’s Country: Not specified in the available documentation
Insurance Plan main website: Not specified in the available documentation
William Russell
