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Henner International Health Insurance
French based Henner have a 30 year+ track record of providing international health insurance to their now 1.5 million expatriate customer base. Flexibility and quality of care are at the heart of Henner. On average clients stay with Henner for an impressive 24 years meaning you can expect exceptional customer satisfaction if you purchase a policy.
Key Facts
  • Founded: 1947
  • HQ: France
  • Support: Paris, France
Eligibility
  • Min Entry Age: 19
  • Maximum Entry Age: 59
  • Policy Holder: Expatriate
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Highlights
  • Healthcare you design
  • Incldues Personal Liability insurance
  • Discounts for children
  • Optional Life Insurance
  • Pre-existing and chronic condition cover
  • Second opinions and medication dispatch order
  • Choice of area of cover
Henner Care & Health Plan Options

Care & Health provides great flexibility from top to bottom by allowing to customise many aspects of your policy - some of which are rarely seen elsewhere. They provide a wide range of annual maximum limits or the total amount that Henner will pay out per year from $200,000 for the ultra budget conscious to a massive $4.5 million for those that want complete cover. A choice of co-insurance options - something which is usually only found from USA providers is on offer and gives you added control on your premium costs: 80%, 90% or 100%. Finally a range of add-on benefits and policies are made available as shown below.

Maternity coverage
Dental & Vision coverage
Life Insurance
Vision

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Henner Care & Health Member Services

Access a wide range of world-class services from Henner who has over 30 years experience in the market.

All Care & Health members have access to a very wide range of services including: 24/7/365 emergency multilingual helplines and access to rapid-response claims support teams. Personal assistance, advisory, security and crisis management are made available as standard through Henner's service partner AXA Assistance - widely regarded as the very best.

They boast an extensive network of approximately 34,000 hospitals / clinics with out-patient direct-billing and tariff arrangements in place making getting treatment that much easier when you're most in need. Finally, they bundle Personal Liability benefits as standard with all plans putting Henner squarely in the premier line of services camp rivaled only by the Allianz and Bupa's of the world.

Henner Care & Health Sub Products

The "Care & Health" range is lifetime renewable and consists of the following four sub-products: Primary, Vitality, Serenity and Prestige which as always add increasing levels of care and benefits limits. With potential cover for pre-existing conditions, the Primary covers more than most as an entry-level flavor by covering emergency in-patient, HIV / AIDS, chronic conditions, cancer, rehabilitation and even newborn care. Vitality and Serenity build on this with a focus on providing extensive out-patient treatment in the form of specialist fees, prescribed medicines, prosthesis following hospitalisation and more. Finally their top of the line Prestige policy as the name suggests is their most comprehensive sub-policy offering an impressive annual limit of up to $4.5 million. It provides additional, fully-comprehensive benefits including psychologist consultations, prescribed health supplements, teeth whitening, orthodontic work, lasik laser eye surgery and medical check-ups every year.

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Compare Henner Care & Health Sub Products

Compare Plans

Primary Vitality Serenity Prestige
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Deductibles
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Maximum Benefit

$4.5 million

$4.5 million

$4.5 million

$4.5 million

USA Elective Treatment

In-Patient

Primary

Vitality

Serenity

Prestige

Hospital Accommodation

Semi-Private or Private

Semi-Private or Private

Semi-Private or Private

Semi-Private or Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant
Physiotherapy
Rehabilitation

90 days post hospitisation

90 days post hospitisation

90 days post hospitisation

90 days post hospitisation

Hospice

$50,000

$100,000

$200,000

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

Primary

Vitality

Serenity

Prestige

Out-Patient Surgery
Medical Practitioner Fees

$60 per visit

$150 per visit

Specialist Fees

$100 per visit

$230 per visit

Prescription Drugs

$3,000

Diagnostic Tests

$3,000

Diagnostic Scans

$3,000

Home Nursing Care

60 days

60 days

60 days

60 days

Prosthetic Devices

$3,000

$4,500

Chiropractic

$150 per session (max 10 sessions)

$180 per session (max 20 sessions)

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$100,000

$200,000

$500,000

Physiotherapy

$150 per session (max 10 sessions)

$180 per session (max 20 sessions)

Oncology
Alternative Therapies

$150 per session (max 10 sessions)

$180 per session (max 20 sessions)

Maternity

Primary

Vitality

Serenity

Prestige

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.



$7,000



$12,000



$15,000

Newborn Care



if enrolled within first 30 days



if enrolled within first 30 days



if enrolled within first 30 days

Congenital Disorder Congenital Disorder
Newborn defects present at birth.
Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.



$14,000



$21,000



$25,000

Dental

Primary

Vitality

Serenity

Prestige

Emergency In-Patient

$550

$550

$1,400

$2,500

Emergency Out-Patient
Routine



$500



$900



$1,500

Complex



$800



$1,200



$2,100

Orthodontic



$1,200 every 3 years

Well-Being

Primary

Vitality

Serenity

Prestige

Routine Health Check

$750 every 2 years

$1,250

Vaccinations

$3,000

Psychiatric

Primary

Vitality

Serenity

Prestige

In-Patient Treatment

30 days

30 days

Out-Patient Treatment

$150 per visit (max 10 visits)

Evacuation

Primary

Vitality

Serenity

Prestige

Medical Evacuation
Medical Repatriation
Repat' of mortal remains

$4,000

$4,000

$4,000

$4,000

Compassionate visit
Companion expenses

$120 per day (max 10 days)

$120 per day (max 10 days)

$120 per day (max 10 days)

$120 per day (max 10 days)

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Primary

Vitality

Serenity

Prestige

Eye tests & consultations



$500



$800

Glasses & contacts



$300



$500

Chronic Conditions

Primary

Vitality

Serenity

Prestige

Monitoring & maintenance
Stabilisation of chronic episode
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Henner Table of Benefits
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