What if your insurance card paid your expenses directly, in real time? It is now possible with Opal!
To those who speak of the uberization of society as an evil, we would like to qualify these remarks. Because used wisely, the service through digital can be really beneficial. In the insurance industry, the shift in service providers several years ago has not only met the expectations of policyholders and the reality of a changing world, but has also, in some cases, been ahead of them. As an international insurance company, Opal offers its clients health coverage all over the world, with coverage of classic medical expenses, but also hospitalization and alternative medicine. The digitalization of the service has been present since the beginning, in connection with an international public. However, digital technology does not replace the human element, which remains the captain on board via experts who are accessible at all times by telephone, but rather complements and reinforces the services. And a new step has been taken in this direction.
“What is great about Opal is the ease of use of the Application, which is different from existing insurance models … and relieves us of a huge mental burden” explained one of the insureds in an interview to be published soon on our blog. An intuitive application, which allows – wherever you are in the world – to scan your medical expenses and to be reimbursed in less than a week, this is the version 1 of Opal. But the company did not want 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.
To illustrate: you need to go to the doctor, you call us or use the dedicated app, and we determine the cost of the care/treatment. We then put the money on your card, and you pay the doctor directly after the consultation.
This is true no matter where you are in the world, not only for doctor’s visits, but also for the purchase of prescription drugs, lab tests, imaging and emergency room visits. This is a great advantage when you live abroad, are unfamiliar with the healthcare system and want the best for yourself and your loved ones.
With the efficiency of this new payment system, combined with access to the best care worldwide, and the quality of human services that are at the heart of Opal’s philosophy with advisors present 24/7 by phone, international health insurance has never been so aligned with the expectations of expatriates.
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