BeHealthy Healthcare Plans

Our comprehensive suite of international “BeHealthy” health care plans which are sold in Europe provide important features that deliver value to expatriates. By combining the three pillars in the plan design we help employers manage costs and reduce their administrative burdens; manage their risk and compliance requirements more seamlessly; and promote the health and well-being of their employees who live and travel abroad. The modular plan design offers flexibility and consists of a Core plan module, the Outpatient plan module and the Dental plan module.

Download Schedule of Benefits

Select your BeHealthy plan level:

Level 1 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

LiveWell Online resources

Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.

Vaccinations

Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram / breast examination, routine gynaecological tests incl. PAP tests, testicular / prostate exam, PSA/DRE tests. Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women

Diagnostic tests

Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.

Oncology Treatment

Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical / psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible In-patient or day-patient treatment which is deemed medically necessary.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions, chronic conditions and much more.

Assistance & Security Services

We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.

Medical Evacuation & Repatriation Services

Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.

World Watch® Global Security & Medical Intelligence Reports

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.

Out-patient Plan

Durable Medical Equipment & Prosthesis

Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.

Prescriptions Drugs

Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.

Minor Surgical & Non-Surgical Procedures

Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.

Medical Practitioner Fees & Specialist Fees

General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.

Lab/Diagnostic and Pathology tests

Includes pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.

Virtual Visits

Digital healthcare and telemedicine service that facilitates a consultation with a doctor through a desktop or mobile device for non-emergency minor medical conditions.

Physiotherapy

Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans. Optical/vision and infertility benefits are provided on the higher-tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment & annual examination including tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures such as the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Level 2 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

LiveWell Online resources

Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.

Vaccinations

Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram / breast examination, routine gynaecological tests incl. PAP tests, testicular / prostate exam, PSA/DRE tests. Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women.

Diagnostic tests

Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.

Oncology Treatment

Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.

Second Medical Opinion

Option to request one second medical opinion by another physician to confirm the diagnosis and treatment of a primary physician or to offer an alternative diagnosis and or treatment.

Maternity Benefits

Pre and post-natal procedures, drugs and dressings, specialist and consultant’s fees, accommodations, and other costs associated with a normal pregnancy and delivery, stem cell storage, complications of pregnancy and childbirth and newborn care.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible In-patient or day-patient treatment which is deemed medically necessary.

Preventative Services

Preventative surgery refers to prophylactic mastectomy or prophylactic oophorectomy where there is an established presence of a hereditary cancer syndrome and a direct family history of a hereditary cancer disease.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical / psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.

Assistance & Security Services

We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.

Medical Evacuation & Repatriation Services

Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.

World Watch® Global Security & Medical Intelligence Reports

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.

Out-patient Plan

Durable Medical Equipment & Prosthesis

Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.

Prescriptions Drugs

Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.

Minor Surgical & Non-Surgical Procedures

Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.

Medical Practitioner Fees & Specialist Fees

General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.

Lab/Diagnostic and Pathology tests

Includes pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.

Alternative & Complementary Therapies

Alternative and Complementary Medicine Services / Therapies refers to therapeutic and diagnostic interventions delivered outside of conventional medicine. Such medicine services include Chiropractic, Osteopathy and Podiatry, Acupuncture, Acupressure, Ayurveda and Traditional Chinese Medicine.

Physiotherapy

Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.

Vision/Optical

One routine eye exam and hardware purchase per year including the purchase of vision hardware, contact lenses, eye glass frames and eyeglass lenses, and bifocals.

Virtual Visits

Digital healthcare and telemedicine service that facilitates a consultation with a doctor through a desktop or mobile device for non-emergency minor medical conditions.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans. Optical/vision and infertility benefits are provided on the higher-tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment & annual examination including tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures such as the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Orthodontic treatments and dental prostheses

Use of dental prostheses and/or appliances to correct malpositioned, crowded, and misaligned teeth and jaws, new or repair of bridge work, crowns, or upper or lower dentures, inlays, onlays, adhesive restorations or reconstructions and dental implants.

Periodontics

Dental services which are related to treating gum disease.

Level 3 Core Plan

Wellness Benefits

Our comprehensive health and wellbeing plans do more than just help people manage illness; they focus on proactive, preventive healthcare.

Optum My Wellbeing

Wellness app, health engagement service, virtual health coach, health score monitoring, fitness and nutrition tips, group wellbeing challenges, EAP service access.

Employee Assistance Programme (EAP)

Access to 24/7 multilingual professional support service through face to face, phone call, email or chat support. Topics covered include relationships, work life balance, family issues, workplace concerns, loneliness or cultural challenges.

LiveWell Online resources

Access to an extensive eLibrary that provides advice, factsheets and articles, and additional resources for a broad range of personal and work-related topics.

Vaccinations

Vaccinations and inoculations including those that aid in the prevention of sickness such as influenza, and to aid the prevention of cancer. The benefit also covers travel vaccinations as recommended by the official health authority in the county of departure or destination.

Dietician Consultations

A registered and qualified healthcare professional who assesses diet and nutritional status and provides evidence-based advice on all aspects of nutrition and diet.

Routine Annual Health Checks & Preventive Care

Routine medical check-ups, hearing exam, screening for colorectal cancer, cholesterol and lipid disorders, diabetes, STD, depression and Hepatitis B and C.

Cancer Screenings

Bilateral mammogram / breast examination, routine gynaecological tests incl. PAP tests, testicular / prostate exam, PSA/DRE tests. Preventive screening for high-risk members and BRCA1 & BRCA2 tests for high-risk women.

Diagnostic tests

Pathology, X-rays, radiology, CAT/MRI/PET, ECG, Eco-cardiogram, Ultrasounds, cardiac cath., cardiac stress test or blood test undertaken in order to determine the cause of the symptoms presented.

Oncology Treatment

Medically necessary diagnostic tests, specialist fees, radiotherapy, chemotherapy and hospital charges incurred for treatment received, on an in-patient, day-patient or out-patient basis. Counselling services are provided with a registered counsellor through the Employee Assistance Programme.

In-patient Rehabilitation

Treatment of a medical condition including stabilisation of an acute chronic condition, when treatment is received as an in-patient or day-patient.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy in-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.

Second Medical Opinion

Option to request one second medical opinion by another physician to confirm the diagnosis and treatment of a primary physician or to offer an alternative diagnosis and or treatment.

Maternity Benefits

Pre and post-natal procedures, drugs and dressings, specialist and consultant’s fees, accommodations, and other costs associated with a normal pregnancy and delivery, stem cell storage, complications of pregnancy and childbirth and newborn care.

Home nursing or nursing in a convalescent home

Skilled Care nursing received immediately after, or instead of, eligible In-patient or day-patient treatment which is deemed medically necessary.

Preventative Services

Preventative surgery refers to prophylactic mastectomy or prophylactic oophorectomy where there is an established presence of a hereditary cancer syndrome and a direct family history of a hereditary cancer disease.

Hospice & Palliative Care

Palliative and/or end-of-life care or services, with a focus on relieving the physical / psychological suffering rather than to cure, stop, reverse, or delay the progression of the medical condition.

In-patient Cover

For employees and their families providing exceptional cover for oncology, congenital conditions maternity benefits and chronic conditions and much more.

Assistance & Security Services

We are a single-source provider of security and assistance solutions in the global mobility market, offering safety and security, destination intelligence and medical assistance services.

Medical Evacuation & Repatriation Services

Medical evacuation and repatriation services for an illness or bodily injury sustained abroad and if treatment is not available locally repatriation services will be provided. Cover provided for an accompanying person and hotel accommodation.

World Watch® Global Security & Medical Intelligence Reports

All-inclusive security intelligence database that contains a vast array of real-time analysis and information of countries and major cities around the globe. Including access to continuous updates on health information pertinent to travel destinations such as immunisations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.

Out-patient Plan

Durable Medical Equipment & Prosthesis

Diabetic monitoring equipment such as insulin pumps, glucose meters and peritoneal dialysis machines and oxygen and related delivery components, the purchase or rental of crutches or a wheelchair, hearing and speaking aids such as an electronic larynx.

Prescriptions Drugs

Drugs, dressings, medicines and appliances approved by the relevant pharmaceutical regulatory agencies which can be obtained through a written prescription and recommended by a licensed Physician.

Minor Surgical & Non-Surgical Procedures

Surgical procedures inclusive of endoscopy investigations carried out under an out-patient basis: Gastroscopy, bronchoscopy, colonoscopy, colposcopy, laparoscopy and arthroscopy. Dialysis treatment will be covered separately under the dialysis benefit.

Medical Practitioner Fees & Specialist Fees

General Practitioners and Consultants, who are licensed by the relevant authority to practice medicine in the country where the treatment is given and is practicing within the limits of the persons license.

Psychiatric & Psychotherapy Treatment

Psychiatric or Psychotherapy out-patient treatment of mental disorders carried out by a psychiatrist or clinical psychologist received in a registered psychiatric unit of a hospital or received in a recognised Psychiatric or Psychologist practice.

Out-patient Rehabilitation

Rehabilitation provided in special treatment rooms, physical and/or speech therapy and fees, pulmonary rehabilitation, cardiac rehabilitation, post-cochlear implant aural therapy and cognitive rehabilitation therapy.

Alternative & Complementary Therapies

Alternative and Complementary Medicine Services / Therapies refers to therapeutic and diagnostic interventions delivered outside of conventional medicine. Such medicine services include Chiropractic, Osteopathy and Podiatry, Acupuncture, Acupressure, Ayurveda and Traditional Chinese Medicine.

Physiotherapy

Physiotherapy treatment carried out by a registered physiotherapist who is permitted to practice in the country where the treatment received. The initial 5 sessions of Physiotherapy are non-prescribed and do not require a referral by a medical practitioner prior to undergoing treatment.

Infertility

In-patient, day-patient or out-patient infertility treatment charges made by a licensed physician for infertility services for an employee or their spouse, who are under the age of 40 years old.

Vision/Optical

One routine eye exam and hardware purchase per year including the purchase of vision hardware, contact lenses, eye glass frames and eyeglass lenses, and bifocals.

Out-patient Cover

Our Out-patient plan offers a broad range of services, with well baby cover provided across all plans. Optical/vision and infertility benefits are provided on the higher-tiered plans.

Dental Plan

Dental Cover

Our dental plans include comprehensive cover for dental treatment, dental surgery, periodontics, orthodontics and dental prostheses.

Dental Treatment

Routine dental treatment & annual examination including tooth cleaning, basic fillings, simple nonsurgical extractions which relate to decay or cavities and root canal treatment.

Dental Surgery

Tooth related surgical procedures such as the surgical extraction of teeth, removal of solid odontomes, apicoectomy (endodontic procedure), and removal of wisdom teeth and IV sedation.

Orthodontic treatments and dental prostheses

Use of dental prostheses and/or appliances to correct malpositioned, crowded, and misaligned teeth and jaws, new or repair of bridge work, crowns, or upper or lower dentures, inlays, onlays, adhesive restorations or reconstructions and dental implants.

Periodontics

Dental services which are related to treating gum disease.

Why Partner With Us

  • millions-of-members-covered-around-the-globe

    7 Million

    UnitedHealthcare Global Members covered

  • millions-of-pre-screened-medical-providers

    1.4 Million

    Pre-screened providers

  • health-care-transactions-processed

    1 Trillion

    Unitedhealth Group annual transactions processed

Comprehensive benefits for your employees

Our comprehensive health and well-being plans do more than just help people manage illness; they focus on proactive, preventive healthcare to help employees’ live healthier lives. View our company health plans on the plan details page.

View BeHealthy plans
wellness-programme-for-your-employees-and-their-dependents-abroad
Wellness
digital-member-experience-for-globally-mobile-populations
Seamless member experience
overseas-employee-assistance-programme
Employee Assistance Programme
24/7-client-and-member-support-for-expat-programmes
24/7 client/member support
large-hospital-care-network-around-the-globe
Hospital
security-and-assistance-services-for-globally-mobile-workforces
Security & Assistance
annual-health-screening-and-checks-as-part-of-expat-plans
Annual health checks
dental-plan-benefits-for-expats
Dental