With the ongoing global Coronavirus outbreak PassportCard is prepared to provide service to all our customers globally

Confused?
Don’t Worry,
We’ve Got Answers!

If I travel out of my global zone, am I covered?

Emergency medical treatments are covered worldwide.
If you wish to have the freedom to be treated electively out of your zone, purchasing the designated rider is advised.

Can I settle for travel insurance?

No. Travel insurance provides coverage for emergency events only. It is much cheaper than international medical insurance, however it is time-restricted and suitable only for short trips, not for expats who require a full and extensive medical coverage. In addition, travel insurance does not qualify as medical insurance for the purpose of visas or studies abroad.

Can I consult a medical team member over the phone?

Yes, you can consult an experienced medical team member over the phone from the comfort of your home. Available 24/7, for free.

When can I call the customer service call center?

Our dedicated team is available 24 hours a day, 7 days a week via phone, website chat, WhatsApp or email.

Can my premiums change after I sign up?

Yes. Premiums will change according to your age group over the duration of the insurance period. In addition, premiums may be updated according to rising global medical costs.

Am I covered as soon as I sign up?

Yes! Please note that the medical insurance policy entails a waiting period for certain medical conditions. The waiting period is a period of time stipulated in advance, during which the policy will not cover certain medical conditions.

What are “In network service providers”?

In network service providers are medical service providers that maintain any type of service agreement with PassportCard.
In order to enjoy reduced prices, discounts and benefits, we always recommend contacting in network medical service providers, where you are only required to present your insurance card and pay a deductible (if applicable). In some places, contacting the in network provider will exempt you from paying a deductible.

Is PassportCard insurance suitable for work visas or studies abroad?

Mostly yes. In order to receive visa authorization and studies approval, you will have to transfer the needed forms and we will produce the authorization accordingly. Each state or country has its own forms for the insurance company.

What is a “medical service provider”?

Any entity that provides medical services. This typically refers to doctors, clinics, hospitals and laboratories. Our insurance policy distinguishes between “in network service providers” and service providers which are out of network.

When is the plan renewal date?

The plans are annually renewable. You will receive a renewal letter annually with any premium changes.

Should I get pre-authorization before receiving medical treatment?

Your doctors and medical condition alone should determine the need for medical treatment. You are not required to get pre-authorization from PassportCard before procuring medical care and you have the right to choose any medical service provider. However, it is recommended to contact the call center before receiving medical treatment, in order to understand the coverage for the medical treatment in your plan. Also, according to the policy terms, you need to pre-notify the customer service department in case of pregnancy, planned hospitalization and other conditions as specified in the policy table of benefits.

What determines the insurance fees?

The insurance fees are determined by the country of destination, the plan type, the member’s age group and also pre-existing medical conditions.

What are global zones?

A global zone is a region or group of countries that share the same rate level.
Your comprehensive coverage applies in your country of destination, in other countries within your global zone, and in all other global zones where the rates are equal to or less than your own zone. (Every zone enables coverage in zones whose number is higher, i.e. Zone 3 includes Zones 3, 4 and 5).

What is a member insurance card?

A member insurance card is a personal magnetic card that allows you to obtain medical services from any medical service provider preferred by PassportCard.

Can I travel to another country to be treated?

Yes, you can travel to another country within your own zone, or to another zone of a higher number, respectively.

What are the acceptable payment methods?

You can pay monthly by credit card only, or by bank wire transfer / credit card for quarterly, semi-annual, annual payments.

If I travel to another country to be treated, will you cover my travel costs?

Travel costs are not covered under the policy.

Do I have to present medical records or receipts after paying with my PassportCard?

You will be required to send us a receipt confirming use of the PassportCard for purchase of medication. If you use other medical services, you may be requested to send us the documents for the purpose of quality control and/or further treatment.

What should I do if I lose my PassportCard?

Please contact the customer service call center and we’ll issue a new card for you.

For which medical services can I pay using my PassportCard?

PassportCard covers medical expenses for doctor visits, purchase of prescribed medication, x-rays, imaging tests, lab tests and emergency room visits.

Can the PassportCard be used by all family members?

Members under the age of 18, that are covered under the same policy with the person who holds the PassportCard, may also use the card.

How do I use PassportCard?

When you require medical services, you no longer have to pay out of pocket. Your PassportCard will pay your expenses. All you have to do is:
1- Call: Call or WhatsApp us 24/7 before receiving medical services
2- Load: We will then load money onto your card
3- Swipe: Once your PassportCard is loaded with the requisite cash amount, the medical service provider will be able to swipe the card for payment.

What is PassportCard?

PassportCard is a debit card which enables you to pay for medical services abroad without having to pay out of pocket.

Do I need to pay a deductible when I receive medical services?

Yes. The deductible is applied per year from January to December. The deductible amount is determined by the plan type and country of destination. We also have a €0 deductible plan which eliminates the need to pay a deductible.

What is not covered by the policy?

Medical conditions which are not covered are specified in the policy. For example the following medical conditions are not covered: accidents or injuries sustained during military service, selective abortion with no medical grounds, injury sustained from extreme sports activities, dental care, and more.

What is UCR?

UCR stands for: “Usual, Customary & Reasonable” and refers to the amount paid for a medical service in a geographic area, based on what providers in the area usually charge for the same or similar medical service. UCR rates are used to determine what part of a medical bill your insurance plan will cover, when you receive care from providers which do not appear on the list of preferred providers. It is highly recommended to contact the Customer Service Department, in advance, for an assessment of the expected refund for the required treatment. This way, you’ll avoid the unnecessary aggravation of paying an expense deemed unreasonably high by local accepted standards.

Does the policy cover pregnancy and childbirth?

The expenses for pregnancy, childbirth and all postnatal care are covered, as defined in your plan, and following a 12-month waiting period from your joining date.

Can I add optional benefits (riders) to my plan?

Yes, you can add optional benefits (riders) on the policy renewal date. The optional benefits include:
• Dental & Vision Riders: may be added to the “Preferred” and “Elite” plans.
• Medical Evacuation Rider: may be added to all plans, up to €1,000,000 per lifetime.

  • Service

    If I travel out of my global zone, am I covered?

    Emergency medical treatments are covered worldwide.
    If you wish to have the freedom to be treated electively out of your zone, purchasing the designated rider is advised.

    Can I settle for travel insurance?

    No. Travel insurance provides coverage for emergency events only. It is much cheaper than international medical insurance, however it is time-restricted and suitable only for short trips, not for expats who require a full and extensive medical coverage. In addition, travel insurance does not qualify as medical insurance for the purpose of visas or studies abroad.

    Can I consult a medical team member over the phone?

    Yes, you can consult an experienced medical team member over the phone from the comfort of your home. Available 24/7, for free.

    When can I call the customer service call center?

    Our dedicated team is available 24 hours a day, 7 days a week via phone, website chat, WhatsApp or email.

    Can my premiums change after I sign up?

    Yes. Premiums will change according to your age group over the duration of the insurance period. In addition, premiums may be updated according to rising global medical costs.

    Am I covered as soon as I sign up?

    Yes! Please note that the medical insurance policy entails a waiting period for certain medical conditions. The waiting period is a period of time stipulated in advance, during which the policy will not cover certain medical conditions.

    What are “In network service providers”?

    In network service providers are medical service providers that maintain any type of service agreement with PassportCard.
    In order to enjoy reduced prices, discounts and benefits, we always recommend contacting in network medical service providers, where you are only required to present your insurance card and pay a deductible (if applicable). In some places, contacting the in network provider will exempt you from paying a deductible.

    Is PassportCard insurance suitable for work visas or studies abroad?

    Mostly yes. In order to receive visa authorization and studies approval, you will have to transfer the needed forms and we will produce the authorization accordingly. Each state or country has its own forms for the insurance company.

    What is a “medical service provider”?

    Any entity that provides medical services. This typically refers to doctors, clinics, hospitals and laboratories. Our insurance policy distinguishes between “in network service providers” and service providers which are out of network.

    When is the plan renewal date?

    The plans are annually renewable. You will receive a renewal letter annually with any premium changes.

    Should I get pre-authorization before receiving medical treatment?

    Your doctors and medical condition alone should determine the need for medical treatment. You are not required to get pre-authorization from PassportCard before procuring medical care and you have the right to choose any medical service provider. However, it is recommended to contact the call center before receiving medical treatment, in order to understand the coverage for the medical treatment in your plan. Also, according to the policy terms, you need to pre-notify the customer service department in case of pregnancy, planned hospitalization and other conditions as specified in the policy table of benefits.

    What determines the insurance fees?

    The insurance fees are determined by the country of destination, the plan type, the member’s age group and also pre-existing medical conditions.

    What are global zones?

    A global zone is a region or group of countries that share the same rate level.
    Your comprehensive coverage applies in your country of destination, in other countries within your global zone, and in all other global zones where the rates are equal to or less than your own zone. (Every zone enables coverage in zones whose number is higher, i.e. Zone 3 includes Zones 3, 4 and 5).

    What is a member insurance card?

    A member insurance card is a personal magnetic card that allows you to obtain medical services from any medical service provider preferred by PassportCard.

    Can I travel to another country to be treated?

    Yes, you can travel to another country within your own zone, or to another zone of a higher number, respectively.

    What are the acceptable payment methods?

    You can pay monthly by credit card only, or by bank wire transfer / credit card for quarterly, semi-annual, annual payments.

    If I travel to another country to be treated, will you cover my travel costs?

    Travel costs are not covered under the policy.

  • PassportCard

    Do I have to present medical records or receipts after paying with my PassportCard?

    You will be required to send us a receipt confirming use of the PassportCard for purchase of medication. If you use other medical services, you may be requested to send us the documents for the purpose of quality control and/or further treatment.

    What should I do if I lose my PassportCard?

    Please contact the customer service call center and we’ll issue a new card for you.

    For which medical services can I pay using my PassportCard?

    PassportCard covers medical expenses for doctor visits, purchase of prescribed medication, x-rays, imaging tests, lab tests and emergency room visits.

    Can the PassportCard be used by all family members?

    Members under the age of 18, that are covered under the same policy with the person who holds the PassportCard, may also use the card.

    How do I use PassportCard?

    When you require medical services, you no longer have to pay out of pocket. Your PassportCard will pay your expenses. All you have to do is:
    1- Call: Call or WhatsApp us 24/7 before receiving medical services
    2- Load: We will then load money onto your card
    3- Swipe: Once your PassportCard is loaded with the requisite cash amount, the medical service provider will be able to swipe the card for payment.

    What is PassportCard?

    PassportCard is a debit card which enables you to pay for medical services abroad without having to pay out of pocket.

  • Deductible & Benefits

    Do I need to pay a deductible when I receive medical services?

    Yes. The deductible is applied per year from January to December. The deductible amount is determined by the plan type and country of destination. We also have a €0 deductible plan which eliminates the need to pay a deductible.

    What is not covered by the policy?

    Medical conditions which are not covered are specified in the policy. For example the following medical conditions are not covered: accidents or injuries sustained during military service, selective abortion with no medical grounds, injury sustained from extreme sports activities, dental care, and more.

    What is UCR?

    UCR stands for: “Usual, Customary & Reasonable” and refers to the amount paid for a medical service in a geographic area, based on what providers in the area usually charge for the same or similar medical service. UCR rates are used to determine what part of a medical bill your insurance plan will cover, when you receive care from providers which do not appear on the list of preferred providers. It is highly recommended to contact the Customer Service Department, in advance, for an assessment of the expected refund for the required treatment. This way, you’ll avoid the unnecessary aggravation of paying an expense deemed unreasonably high by local accepted standards.

    Does the policy cover pregnancy and childbirth?

    The expenses for pregnancy, childbirth and all postnatal care are covered, as defined in your plan, and following a 12-month waiting period from your joining date.

    Can I add optional benefits (riders) to my plan?

    Yes, you can add optional benefits (riders) on the policy renewal date. The optional benefits include:
    • Dental & Vision Riders: may be added to the “Preferred” and “Elite” plans.
    • Medical Evacuation Rider: may be added to all plans, up to €1,000,000 per lifetime.

Ready to become a PassportCard member?