Every government has its own health system. Expenses related to it change significantly from one country to another and can be very expensive. As an expat, you’re not under the health care of your home country anymore. That’s why it is strongly recommended that you subscribe to an international health insurance cover for you, your family or your international employees, so you can avoid unexpected fees, and leave without worrying.

In addition to your health expenses covered in a foreign country, other guarantees remain essential as maternity or dental/optical.

Opal international health insurance is designed for individuals and/or expat families living and/or working in a foreign country for a long period of time. The insured person and his dependents (common law-partner and/or children mentioned in the policy) have access to the same rights.

You should think of travel insurance when you think of holidays. This insurance covers unexpected events both before departure and while abroad. It covers cancellation fees, compensation in case of loss or theft of your personal belongings/luggage and urgent medical fees, whereas international health insurance covers health checks, outpatient care and the monitoring of chronic disease treatment abroad.

OPAL Health Insurance is an intermediary specialized in international health insurance solutions. We work in partnership with renowned insurers to offer coverage tailored to expatriates and travelers, while providing personalized support and digital tools to simplify your experience.

You fill in a link or form including a medical questionnaire. Once accepted, you receive an acceptance reply followed by your invoice, insurance certificate and user guide.

For outpatient treatment, you pay in advance and submit a claim via a dedicated application or platform. For hospitalization, you contact the insurer, who will contact the medical establishment to issue a payment guarantee and save you from having to pay in advance.

It depends on the insurer, but very often in EUR, USD and CHF.

If you have to change your country of expatriation, the conditions of your Opal contract remain the same.

Having said that, we kindly invite you to inform us promptly so we can update your data and your certificate.

You should send us a copy of the official document (marriage, birth, divorce or death certificate) by email or post, in the 30 days following the change in the family situation (marriage, birth, divorce or widowhood) so that this information can be added to your contract.

Any Opal contract is a 12-month contract at a minimum.

As an Opal insured person, you can contact a general practitioner by phone who will proceed with the first medical diagnosis, and will guide you on the following treatment. Medical advisers speak several languages and are available 7 days out of 7.

To benefit from the maternity coverage with your Opal membership, you must have subscribed to our insurance cover 12 months before your first pregnancy-related consultation. Once this deadline has passed, Opal covers gynaecologist appointments, blood tests, scans and hospital fees related to vaginal deliveries for a limited amount as indicated on your contract. In case of an emergency caesarean delivery or if other complications arise during the delivery, it is a standard hospitalization where fees are 100% covered (check your cover).