Henner Master Care offers premium worldwide coverage that protects you against illnesses and injuries requiring overnight hospitalization. Many plans include optional benefits for outpatient care, maternity, or dental services. Inpatient coverage typically includes room and board, surgeries, treatments, hospitalization, and emergency evacuation. Additionally, you can choose from a range of coverage limits: inpatient limits from $500,000 to $2,500,000, outpatient limits starting at $4,000 up to the inpatient limit, maternity coverage between $5,000 and $8,000, and dental limits from $1,300 to $2,300. Policies are managed on an annual basis, meaning you pay one premium for a year of coverage.

Henner Master Care plans offer three coverage areas:

Southeast Asia (excluding Singapore)
Worldwide (excluding USA, China, Hong Kong, Brazil, and Switzerland)
Worldwide (excluding USA)
Outside your selected area, you are still protected for unforeseen emergencies and illnesses up to your annual coverage limit, as long as your trip away from your home country does not exceed 90 days.

Since private health insurance is a for-profit service, individuals with pre-existing conditions are generally considered higher risk. Henner uses medical underwriting to assess this risk and may exclude certain conditions, impose an additional fee (known as loading), or cover some conditions after a waiting period—typically around two years. Employer group policies might also waive detailed medical history requirements. While Henner offers full medical underwriting and may cover some pre-existing conditions with loading, applicants with significant or chronic conditions might sometimes be declined.

Premiums are set annually and can increase based on factors such as the insurer’s past-year performance (premiums minus claims plus overhead) and medical inflation. Henner uses a community rating model, so any premium adjustments apply uniformly across the plan. However, individual factors like age—especially when age bands are used—can lead to larger increases at specific intervals.

For inpatient services, Henner offers direct billing, which means the insurer settles the bill directly with the hospital or clinic so you don’t have to pay upfront. However, for outpatient services, you will need to pay first and then submit a claim for reimbursement.

Unlike some insurers that allow periodic payments, Henner requires the full annual premium to be paid upfront.

Yes, Henner Master Care offers group health insurance plans for employers. There are two options available: Full Medical Underwriting (FMU), where each employee’s medical history is reviewed to assess risk and determine premiums, and a Medical History Disregarded (MHD) option for larger groups, which is the only way to cover certain conditions. Group plans can be set up with as few as 5 employees for FMU and 6 employees for MHD.