Opal is an international health insurance product created in partnership with one of the world’s insurance leaders with more than 90 million clients over 170 countries and jurisdictions. With over 130 years of experience, Opal is connected to more than 900’000 medical providers.
In addition to our extensive knowledge in health insurance, Opal aims to be more innovative and offers its policyholders a world’s first-innovative system for settling medical expenses thanks to its European claims manager, PassportCard. Each member receives his own Mastercard debit card which will allow the client, if they want, to pay medical expenses directly to the health provider. Therefore, there is no longer any need to advance medical expenses or manage reimbursement requests.
All around the world, Opal and its medical network provide 24/7 assistance to individual clients and their families as well as companies, whatever their health needs.
Full guarantees and no deductible
at a competitive price
A dedicated hotline and multilingual medical experts
available 24/7
An application and/or an online platform
dedicated to reimbursement management
No out-of-pocket payments
for doctor or pharmacy
Thanks to our service provider PassportCard and its card innovative payment system, payment for medical treatments is made onsite in real time. By paying with the unique PassportCard there are no out-of-pocket payments. No paperwork or long claims processing, and no upsetting surprises.
Please note the use of the card is not applicable in the US.
Contact PassportCard 24/7 via the app or by phone before your medical appointment (max 24h) to load the Mastercard (takes 15 seconds).
Simply swipe the card like a normal debit card to pay the medical practice, enter the corresponding PIN code and you’re done.
In partnership with Allianz Care and PassportCard, Opal has designed a range of solutions offering variable levels of cover to suit expatriates’ needs. All Opal products offer comprehensive hospitalization coverage, not only in the country of residency, but anywhere in the world (see conditions for the USA).
gives peace of mind through the most comprehensive coverage with special expat benefits
offers all the benefits an expat would need
provides a basic coverage when you really need it
These plans include the benefit of payment with the PassportCard (not in the US), according to the card’s terms of use and the terms and conditions of the policy.
Your employees are incredible. Even if they don’t have all the answers at hand, they do everything they can to help and find a solution. Their telephone availability is exceptional. There is actually no waiting time at all! My contact person was incredibly caring. She assured me at the beginning of the conversation that she would take care of everything. She called the clinic and in fact everything was taken care of perfectly. Excellent service, polite, sensitive and solution-oriented. It was really a pleasure. Definitely the best insurance company I have worked with in my life. Thank you very much.
I was admitted to the hospital in December and was impressed by how fast treatment was approved and direct payment to the hospital was arranged. This was literally within minutes.
I love the card system you offer to pay instantly at the doctor or the pharmacy. It takes literally 15 seconds to make the request so I can even do it on the spot. The doctor was impressed and so was I! In addition, I find your application very easy to use and your team responds very quickly on WhatsApp if we have any questions. I am really happy to be with Opal! It’s a life changer!
The customer service is exceptional: the advisors are very helpful, qualified and solved the problems for me. They also respond quickly. Stay that way!
I left Madrid a few years ago for a job opportunity in Panama. I am anxious by nature and it has always been important to me to be insured at best and more importantly not to have to ask myself questions about what is or isn’t covered under my health insurance. With Opal, I know everything is covered (optical, dental care, doctors, etc) and that’s without a deductible. Such a comprehensive and simple contract is what convinced me.
I am very pleased with Opal. I appreciate the very user-friendly app: with a simple picture as proof of payment, you are quickly reimbursed at a suitable price for your family. Therefore I would have no hesitations in recommending the Opal insurance.
When my third child was born, we had to change our health insurance. I was worried at first but I’m very happy now. The online platform to send bills is very easy to use and refunds are very quick. Until now, Opal has taken care of all the health care expenses we submitted (pediatricians, general practitioners, physiotherapists and even speech therapist).
When we arrived in Italy, my husband’s status forced us to take a local insurance. It was very expensive and not very efficient so we quickly regretted our choice and then opted for Opal. With a wide range of health care to choose from and quick support, it is the ideal solution for families and you can be sure you’re going to get good treatment no matter what happens.
I lived in a complicated family situation with heavy and expensive health care. Without an effective insurance, we would certainly have had to go back to France. With Opal, we had the guarantee of having access to specialists and get an optimal coverage even in the worst-case scenario.
Protect yourself from the sun with cleaner options!
For a few years, the “clean beauty” movement has been exploding. On the menu: cleaner compositions, less endocrine disruptors, ingredients that respect our skin and our planet, all in containers that are recycled-recyclable if possible. Sunscreens are no exception to this trend, with more and more traditional or niche brands offering improved or innovative formulas.
Let’s take a look.
This mini-serie features a cosmopolitan family. Each country, of course, has its own health system. Here, in episode two, we talk to Nicolas, a serial entrepreneur who lives and works in the United States.
On May 19th, the 12th edition of the Brokers’ Forum took place at the Swiss Tech Convention Center of the EPFL in Ecublens. Nearly 300 people, all from the insurance industry, attended the plenary sessions, conferences and workshops. A great way to network too.
Opal’s team had a stand and a workshop dedicated to the presentation of the company’s products and services.
Let’s take a look at this event with Laura and Rayan, Opal experts present at the Forum.
In a few years, Dubai has become a truly dynamic city with more than 90% of expatriates, as Kenza. Here is her story.
to stop there.
Thanks to a Mastercard set up by Opal’s claims manager, PassportCard, it is now possible to eliminate the step of advancing medical expenses and waiting for reimbursement. With this debit card, the amount needed for the treatment is put directly on the card.
If you have additional questions, call us anytime.
