# Frequently Asked Questions

## Member

### Do you do a health checkup prior to the start of the insurance? Do you exclude pre-existing conditions?

No health checkups are required! We do not exclude pre-existing conditions as long as they are not listed as a general exclusion. So, for example, if you have a pre-existing case of TMJ, it would not be covered only because it is excluded in the overall policy.

_Note: For our Affinity Plan and Nomad Health application (plans that the individual pays for themselves), pre-existing conditions are not covered. Members may require a check-up or present additional medical notes. While we strive to be inclusive, we may deny coverage based on the applicant's responses._

### Does the age limit of 74 apply to all plans?

### Can citizens of the United States enroll in Remote Health?

### Can you cover members in the USA or Canada?

### I'm located in Germany, and we are legally obliged to prove that we have health insurance. Do you know if Remote Health qualifies in this case?

### It's listed that Remote Health is secondary insurance since I reside in Switzerland. If my Swiss Medical Insurance plan won't cover me, can I count on Remote Health to cover me?

### How do I sign up?

### Who can I add to my plan? Can they have different plans than me?

### When can I add my family members (dependents)?

### I'm married, and we have children. My spouse has their own insurance coverage, but I would like to include my kids. Is this possible?

### Are same-sex partners allowed?

### I do not have a passport which is a required field to sign up for SafetyWing. Can I provide an alternative ID?

### Does the maximum policy benefit include dependents?

### What happens if I leave my company during the contract? Do I keep the insurance until the end of the duration?

### How can I get a visa letter confirming my coverage?

### Can I change/customize my Remote Health plan?

### Can I switch between the Standard Plan and Premium plan? Especially if I decide to add on dependents?

### If I add a dependent to my plan, I will pay for the cost of coverage. Is this a monthly payment?

### How does this insurance work?

### How is Remote Health different from other insurance plans?

### What do the different plans cover?

### How do I choose a country of residency?

### Will the insurance also cover other short-term trips? Should I notify you if I want to use the insurance in a country different from my residence?

### Can I use Remote Health to apply for a Schengen visa?

### I noticed that the United States, Hong Kong, and Singapore are outside of the geographical area of coverage. Can I still visit these countries? Will I have any coverage if I need medical attention during my stay?

### What is the difference between Remote Health, Nomad Insurance and Nomad Health?

### Are there any waiting periods?

### Is there a deductible?

### What is a policy year?

### Is Remote Health insurance locally compliant?

### What if I have another insurance?

### What are the extra benefits if I already have public healthcare in my country of residence?

### Who decides if something is “medically necessary”?

### What are the perks of being part of a group plan such as Remote Health?

### Is it possible to only sign up for dental and vision?

### Are individuals subject to any taxation on their benefits?

### Are there any countries where coverage is limited or restricted?

### Is a ‘gap cover’ applicable to these plans, or will that be dependent on the gap cover provider?

### When does my coverage start?

### What do the different plans cover?

### What is your coverage for surgeries or major procedures?

### What is your outpatient coverage?

### What does the screenings & vaccine benefit cover?

### What is your maternity coverage?

### What is your mental health coverage?

### What is your vision coverage?

### What is your dental coverage?

### Is dental treatment covered if it's due to an emergency (e.g. damaged tooth in a car crash)?

### What is the coverage for chemotherapy/cancer treatment?

### Is special equipment for a medical condition covered, such as special boots due to a foot condition?

### How does the coverage handle pre-existing conditions? For example, if I am undergoing treatment on my current plan, would I be able to continue treatment on my Remote Health plan?

### Does Remote Health cover extreme activities like scuba diving or bungee jumping?

### What does the evacuation and repatriation benefit cover?

### Are tests like an MRI or CT scan covered?

### What is covered in the complementary therapy benefit?

### Is the COVID-19 vaccine covered?

### Is COVID-19 testing covered?

### Does Remote Health cover volunteering/working with animals and any injuries sustained from that?

### Is driving a motorized vehicle restricted in any way?

### Would I be covered if I got an infection from a tattoo?

### I play soccer on a professional team. If I’m injured, will my treatment be covered?

### Are things like an ACL tear, past sports injury, torn rotator cuff, etc. considered pre-existing conditions?

### What does “passive war and terrorism” mean?

### Is fitness included in any plans?

### Is birth control covered?

### Can I see a physical therapist?

### Are hearing tests or hearing aids covered?

### What do you not cover?

### What does 10% co-insurance for outpatient benefits mean on the Standard Plan?

### What does the US$5,000 outpatient limit mean?

### How does life coverage work?

### I'm interested in life insurance. How can I get it?

### Can family members also have life coverage?

### Are pre-existing conditions covered under life insurance?

### How many family members can receive the payout?

### How can one make a claim under life coverage?

### How do I use my SafetyWing insurance when I go to the doctor or hospital for treatment?

### Where can I go for treatment?

### Which treatments require me to provide advance notice?

### What is “UCR”?

### Can I show my Remote Health insurance card to my provider and have the claim sent directly to SafetyWing?

### What documents are necessary to submit a claim?

### How long does the claims process take?

### If I go over the maximum benefit, will I need to cover the rest?

### If I use a foreign currency to pay for treatment, how will you determine the exchange rate for reimbursement in my local currency?

### In my country we don’t usually get receipts for what we paid for consultations. Do I have to have a receipt to receive my claim reimbursement?

### If I go to a private doctor, should I pay the invoice myself and then make a claim?

### Can I submit multiple claims at once?

### Do I need to translate documents from my local language to English?

### Do I need to notify Remote Health if I need to have surgery?

### How quick is the direct billing process? If a hospital sends over a bill, how quickly will the hospital get a response from SafetyWing?

### What if I need to be seen in the emergency room? Will this be covered?

### How should I present my insurance info to the emergency room or the hospital?

### Is emergency assistance available in different languages?

### If I go to the hospital for an emergency and I stay all day, will this be considered an inpatient stay, or do I have to be admitted and stay overnight?