Frequently asked questions about our improved Healthcare Insurance Policy:

Just in case you missed it  we recently launched a new, improved version of our affordable Health Insurance policy!

You may recall that for only 25EUR per month, our affordable health care plan covers up to EUR100,000 emergency treatment overseas. This covers the cost of the treatment, accommodation fees and airfares for the patient and one accompanying family member. Moreover, for the added cost of EUR10 we also cover the cost of access to private medical and dental practitioners in Seychelles.

The questions we get asked most often are:

Who is the plan for? 

Ideally everyone should have a healthcare policy, so we aim for inclusion. Therefore any individual can become a new member of the plan up to the age of 59. Existing members can be covered up to the age of 75. Even babies can be covered as from 1 month! Corporate clients can provide the plan to their employees and their family members, whilst individual clients can take the plan for themselves and/or can also add their family members to the plan.

How soon after I have paid can I make a claim? 

That depends on what you are filing a claim for. Let’s take a look: Your plan comes into effect immediately if an injury results from an accident, twelve months after date of entry in connection with Caesarean &/ or complications that can reasonably be related to it thereafter. Six months after date of entry for Dental Expenses/ Treatment incurred in connection with Orthodontic, Prosthetic Appliances, Crowns, Dental Implants, Surgical Operation, Periodontics and Gum Treatment and for all Optical costs if out-patient option is taken. Three Months after date of entry for all other treatment.

So how do I make a claim?

It’s actually  a lot more simple than you think! For In-Patient Treatment  requires admission outside Seychelles, simply call our customer service on 429 5107 and we will provide full guidance on the procedures.

For Out-patient Treatment, we require a fully completed claim form, accompanied by original invoices, receipts and Doctor’s prescription and medical record.

What are the main key exclusions to this plan?

Understandably treatment or expenses in connection with or attributable to any illness or physical condition for which the Insured Person had knowledge of or had been diagnosed or treated by a Medical Practitioner prior to the commencement date of the Policy.

Preventive treatment, check-ups or health screening.

Treatment directly or indirectly arising from or required in connection with male or female birth control, infertility, contraception, sterilisation (or its reversal) and any form of assisted reproduction.

Treatment for Alcoholism/Drug Abuse and Treatment of any illness or injury arising directly or indirectly from any such abuse or addiction.

Any condition directly or indirectly caused or arising from or in any way attributable to or aggravated by or related to the Human Immunodeficiency Virus (HIV), or the mutants, derivatives or variants thereof, including Acquired Immuno Deficiency Syndrome (AIDS) and AIDS-Related Complex (ARC).

How is payment made for my treatment?

All pre-approved in-patient treatment (emergency/planned) in Mauritius will be paid directly to the hospital by Sacos upon completion of treatment.

All Pre-approved planned treatment in all other regions will be paid in advance to the hospital by Sacos upon the receipt of hospital invoice.

All Pre-approved emergency treatment in other regions will be on a refund basis.

Out-patient treatment will be on a refund basis, meaning Sacos will refund you the total claim, less 20% excess amount applicable under the cover.

How do I sign on to a health insurance plan?

Easy Peasy. Just select the In-Patient plan and region you require.

 Choose the optional out-patient cover if you would like to opt for it.

Complete our health insurance proposal form.

Receive your quote for the options selected (it can take up to 14 days to receive confirmation of acceptance onto the plan).

Pay for your plan once confirmation is received (Monthly or annual payment option available).

And you’re done!

Did we miss anything out? Call us on 429 5000 or send an email to and an officer will get back to you!

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