Benefits

Health insurance with you in mind 

Everything you need to take care of yourself, with no hassles.

  • Full cover of the CASS rate for healthcare services covered under the CASS agreement.

  • Reimbursement of up to 45% for healthcare services not covered under the CASS agreement.

  • Access to innovative services such as healthy lifestyle habits through the Wellat platform.

What is included

Clear, comprehensive cover

We insure you against major medical expenses

Health cover reimburses medical expenses depending on the nature of a procedure, with the following levels of protection:

  • Consultations, visits and hospitalisation: up to 100% of the CASS rate.

  • Physiotherapy: the first € 250 of the CASS rate in full and the remainder at 90%.

  • Optical care and dental prosthetics: up to 100% of the CASS tariff for contracted procedures.

  • Compensation of €15,000 in the event of death from any cause for the insurance policyholder.

Features

A solution tailored to your stage of life

Flexible, scalable and designed to assist you

Health cover

Includes an additional reimbursement of medical expenses up to the full rate covered by the CASS.

Death insurance

Compensation of €15,000 to designated beneficiaries, with the possibility of changing them at any time.

Quick and easy to take out

Taking out insurance has never been so easy. In just a few steps with no complicated paperwork, you will be able to immediately take out your policy.

Digital services

Your well-being just one click away

You can also deal with your health from your mobile phone

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Wellat

Personalised health plans and monitoring of healthy lifestyle habits.

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Chatbot

Quickly process medical reimbursements by sending a photo or document.



Apply

Write to us and we will contact you

You can also contact us by calling +376 884 874

You can also contact us by calling +376 884 874

Documentation

Additional information.

Download all documentation related to your 4Health insurance policy

Do you have a company?

Find out about our solutions for employees

Comprehensive medical cover for your employees and savings solutions for their retirement.

See Businesses

We can also provide

4Health Life Insurance

4Health Life Insurance

  • Death cover starting from €10,000

  • Extensive supplementary cover: accidental death, disability, critical illness or funeral expenses

  • Customise the cover and insured capital according to your needs

4Health Premium

4Health Premium

  • 100% coverage of the actual cost of contracted and non-contracted medical procedures, and 95% coverage for hospitalisation in private centres

  • Partner medical network

  • Additional coverage for procedures not covered by the CASS

4Health Sick Leave

4Health Sick Leave

  • It covers sick leave due to an illness or accident, whether or not work-related

  • Flexibility to choose the deductible period, the insured salary and the beneficiaries

  • Waiting periods tailored to your needs