Frequently Asked Questions
Understanding the Health Plus PlanGetting startedGetting treatmentRestrictions and limitsOthers
The Health Plus Plan is a supplemental healthcare plan for eligible employees and their eligible dependents, that provides cover for specific healthcare conditions in addition to the cover received from the social or government programs and a local Microsoft Medical Plan. Refer to the Table of Benefits for the specific medical conditions covered and limits.
All active Microsoft employees and their eligible dependants in participating countries.
If a local Microsoft medical plan is available in your country of employment, you must be enrolled in that local plan before you can access HPP. If the local plan allows dependents to be enrolled in the plan, they must also be enrolled locally to access HPP. HPP will follow the same eligibility rules as the Microsoft local medical plan.
If there is no local Microsoft medical plan in your country of employment for you or your dependents, then you can access HPP. Employees and spouse/partner dependents can access HPP up to age 67 years and children up to 25 years. Eligible dependants are defined as a spouse/partner and children enrolled under the local Microsoft Medical plan.
No, dependent parents are not eligible for the Microsoft Health Plus Plan. The HPP is a supplemental international plan and applies global standards for eligibility which includes employees, spouse/partner and child dependants only.
No, the cost of the plan is fully paid by Microsoft.
We will issue your personal policy number once you submit your Declaration Form along with your first Claim or Pre-authorisation Form. You will need to use this policy number on any future communication with us.
Here are a couple of examples of how the Health Plus Plan supplements your local medical cover:
Jay has been receiving treatment for cancer, but his local medical plan only covers his treatment up to a certain limit. The cost of his treatment is approaching that limit, so he submits the HPP Declaration Form and Pre-Authorisation Form to Allianz who enrols him in the plan and enables further cover for his cancer treatment.
May is allowed one cycle of fertility treatment through her medical plan and has exhausted her limit. She checks that she is eligible under the Health Plus Plan, fills out the relevant HPP Declaration Form and sends it to microsofthpp@e.allianz.com. Once enrolled (HPP Declaration Form information needs to be validated), she receives a welcome email including her individual policy number as well as the access to MyHealth digital services for pay and claim submissions. She then registers onto her account (portal or MyHealth app), creates a claim request and attaches all supporting documentation. She can then continue receiving eligible fertility treatment within the Health Plus Plan.
Your dependants aren’t automatically enrolled in your policy. Therefore, the first time you submit a claim for an eligible dependants you will need to complete a Declaration Form and send it to us to have them registered under your policy first. Once your dependants are on the system, you will be able to submit a claim on their name.For treatments that do not require our pre-authorisation you can pay and claim via MyHealth Digital Services (available as a mobile app or online portal). You will need to select your dependant’s name under the patient drop down menu, provide a few details, add your invoice (and supporting documents such as local health insurance / social security statement) and submit.For a pre-authorisation request, you will need to submit your local health insurance statement along with a Pre-authorisation Form to us within at least seven working days prior to treatment. For further details on how to request pre-authorisation please refer to ‘Treatment pre-authorisation process’.
The Health Plus Plan coverage is only accessible when your local medical plan / social security is exhausted (or if the treatment is not available on your local corporate plan / social security).For treatment where you pay and claim, your doctor does not need access to the HPP information. For treatment requiring pre-authorisation (direct settlement), once we receive all information we need, our Medical Team will review the information provided and will issue a Guarantee of Payment to the medical provider, authorising the treatment (provided you are eligible for the treatment). It is essential that the relevant section of the HPP Pre-Authorisation Form be fully completed by the Doctor/medical provider so we can process your pre-authorisation request without any delays.
Services and treatment related to a pre-existing condition will be covered, but only for treatment dates on or after your eligibility date, as per below:
Entry date of your employment country into the Microsoft Health Plus Plan scheme; or
Your date of employment, if your first employment day is after the entry date of your employment country into the Health Plus Plan.
Please note that you must submit your claims no later than six months after the end of the Insurance Year. If cover is cancelled during the Insurance Year, you should submit your claim no later than six months after the date that your cover ended. After this time, we are not obliged to settle the claim. From 2024 the insurance year starts on January 1st and terminates on December 31st.
Your local insurer and / or social insurance provider will provide you with an insurance statement or supporting documentation indicating that you have exhausted your local benefit or that the treatment you are seeking is not covered under the plan. You will need to provide this to us when submitting your claim or Pre-authorisation Form.
Yes, if the treatment or medicine is covered under your HPP and is considered medically necessary by our medical team. You’ll need to obtain an insurance statement from your local corporate insurer indicating that the treatment or medicine is not available or that cover for such costs has been exhausted.
No. The Health Plus Plan cover would begin once you’ve exhausted your local medical plan cover. Any expenses paid under the local medical plan or local social security would not also be paid under the Health Plus Plan.
No, the plan is only aimed to cover you for the benefits listed in the Table of Benefits on the following scenarios:
when your local benefits are exhausted (local insurance plan and/or social security)
when part of the benefit is not covered locally (local insurance plan and/or social security)
where no cover is available by your local insurance plan/social security.
Any request for reimbursement of local co-payments or deductibles (local insurance plan/social security) will be declined.
No, the Health Plus Plan will only cover treatment from the entry date of your employment country into the programme or your date of employment if it is after the country entry date.
No, we will only reimburse costs for treatment and services provided within your country of employment and for treatment eligible under the Health Plus Plan. We will not cover any costs associated with services or care that have been sourced or provided outside of your country of employment.
The Health Plus Plan only covers treatment received in the country where you are employed, so your enrolled dependents would not be covered for services received out of your country of employment.
Your cover under the Health Plus Plan would end on the date you officially transfer to a country where the HPP is not available.
No, the Health Plus Plan does not cover upgrades. If treatment is available through your local medical plan or social insurance that must be fully utilized before claiming under HPP. If a particular treatment within the HPP category of conditions is only available in a private hospital, you may contact us to understand your options (always provide copy of the local insurance conditions).
No. We will adhere to local regulations.
Government-provided healthcare and your local Microsoft medical plan remain your primary sources of medical cover. The Health Plus Plan was created to enhance the benefits of local medical plans by addressing their complexities and limitations. This supplementary international plan ensures a consistent standard of care across specific categories for all Microsoft employees in eligible countries. While it is designed to provide comprehensive protection, the plan does not account for all potential conditions which are not covered on our local plan.
Depending on whether you (and your dependants) are enrolled under a local Microsoft insurance plan in your employment country or not, your Health Plus Plan cover will cease upon reaching the maximum age limit under your local health plan (or before in case of employment termination or death) or upon reaching 67 years old for employees and their spouses and 25 years old for children in the absence of a local Microsoft health insurance plan.
Cover under the Health Plus Plan will end if you drop local medical cover through Microsoft or if your employment terminates, whichever is earlier. You have up to six months after your cover end date to submit any claims for treatment that occurred while you were still eligible for the plan. If you leave Microsoft or drop local medical cover, you must notify us of your end date. Failure to do so may result in unpaid claims, which will then become your responsibility.
No. The Health Plus Plan works as a supplementary cover to your existing plan and you will need to seek advice from your local insurer in relation to eligibility conditions of your treatment before contacting us with all relevant information to process your claim.
Upon assessment of your claim, we will send you a statement of account with all the details of the settlement of your claim. This document constitutes formal evidence that the bank should accept.
