3HRplc are specialist
pan-European HR & Recruitment consultants

3HR Financial Consulting Ltd is a subsidiary company through which the E-Care Healthcare
Plan is offered

E-Care Healthcare Plan

3HR Financial Consulting Ltd offers a comprehensive pan-European group private medical insurance plan called "E-Care Healthcare Plan", insured by Europ Assistance which is specially designed for Chinese and Japanese companies' expatriates and their families.

Benefits of E-Care Healthcare Plan

"E-Care Healthcare Plan" not only covers the costs of hospitalisation and associated surgery costs, but also includes cover for general out-patient treatment. Moreover, there are some optional benefits which can be included. The benefits of "E-Care Healthcare Plan" are as follows:

• World-wide cover (including China & Japan)
• Direct settlement facilities for approved in-patient treatment
• Chinese & Japanese language helpline service
• Pregnancy & maternity cover
• Chronic & pre-existing conditions cover
• Complementary medicine cover
• Evacuation & repatriation cover
• Direct settlement with participating private-family doctor (optional)
• Routine dental, optical & hearing benefit (optional)
• Travel insurance (optional)

Pan-European Product

In order to support Chinese & Japanese companies with operations in various countries in the EU/EEA*, we have designed "E-Care Healthcare Plan" as a pan-European product. Therefore, whenever you have offices in the EU/EEA* area, you could introduce this plan for your expatriates and families†. By introducing this integrated solution to your organisation, you may be able to offer and maintain equalised medical benefits to all of your expatriates and their families - throughout Europe.

* European Economic Area - Austria, Belgium, Bulgaria, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom
† Please note that this is subject to the local taxation regulations

In addition to this, if you have at least 25 expatriates throughout the EU/EEA, we can usually customise "E-Care Healthcare Plan" for you. Not only can you tailor your benefit schedule through this plan to suit your company's needs, but also easily control and monitor your costs in respect of medical benefits.

Solutions

Chinese & Japanese companies need to consider the medical-related issues which arise for expatriates (and their families) working outside of China or Japan. Various considerations arise for both companies and expatriates. E-Care can usually provide solutions to the following problems:

Downloadable Forms (PDF)

E-Care Medical Claim Form
E-Care Maternity Claim Form
E-Care Dental Claim Form
E-Care Direct Settlement Claim Form (for UK only)
E-Care Family Doctor Claim Form (for Belgium only)

Notes:

1. The E-Care Healthcare Plan is an annually renewable contract.
2. The cost of cover is determined by the underwriting basis selected:
   Moratorium or Medical History Disregarded.
3. The overall maximum benefit is £1,000,000/€1,450,00 in any one period of insurance.
4. Inpatient claims need to be pre-authorized otherwise a 25% co-insurance will apply
5. A £50/€70 deductible (excess) applies to dental treatment.
6. The plan contains some general exclusions—a sample policy wording is available upon request.

* Any advice on Private Medical Insurance will be provided through our associated company 3HR Financial Consulting Ltd.