The Chameleon-principle ® (3)

This is how it works:

  1. In countries where social security provides a mutual (or private) insurance system, Chameleon is complementary to the social system (Top-Up). This is possible for people with European Soc. Sec. systems (listed below) throughout the EEA and sometimes even worldwide:
    - Austria
    - Belgium (RIZIV/INAMI and DOSZ/OSSOM)
    - Czech Republic
    - Estonia
    - France (CMU and CFE)
    - Germany
    - Liechtenstein
    - Luxembourg
    - The Netherlands
    - Switzerland
    - EU-civil servants (who have their own Soc. Sec. system)

    We also accept the social security systems of Israel and Japan, as only non-European systems.

  2. In other countries where a 100% cover is standard (for example to “buy” free choice of doctor, or because there is no social system), Chameleon foresees a full cover insurance.

  3. When the insured person receives a full cover contract from his employer, he can temporary put his own Chameleon policy into Sleeper-mode. When he leaves the employers’ insurance, he/she can start up his/her Chameleon policy again without having to go through another acceptation procedure and ensuing qualifying period.


    Full Cover Top Up Sleeper


  4. Whenever the expat movesto another country and/or social statute, the policy adapts itself to suit, providing submission of proof (E-form, employers policy …).

  5. Different statutes and countries are provide for within the one policy. This means that multinational companies, HQ’s or Coordination Centres can take out one Pan-European or even Worldwide policy for their entire staff (expats, commuters, etc. ...but also for local employees). The Chameleon principle removes the headache of trying to find similar policies in each country. The employees will always enjoy the same level of coverage promised to them in their remuneration package wherever they are posted next.

The advantages of this approach are fully synchronised to today's trends:

  1. W-European approach for W-European countries.

  2. Chameleon simplifies the different benefit systems.

  3. Companies save money in countries where Top-Up is applied.

  4. The Insured Persons keep their continuity of coverage.

  5. International Insurers and Brokers don’t loose their clients to local insurers.

 

Our product €uropat Local Plus (€LP) follows this Chameleon principle.

 

Back ....

Events | Press | Sitemap | Disclaimer | Contact