Medical Insurance Guidance

Participants will need to log in and create a MyInsurance account.  You can only do this AFTER you’ve been enrolled and received your confirmation email.  Participants are enrolled 2-4 weeks before the program begins.  If you plan to travel earlier than this and/or have not received your confirmation email 2-4 weeks before your program’s beginning date, don’t hesitate to contact Marene at [email protected].

Most common non-emergency issues can be addressed using the FREE telehealth options. We suggest that you use this option first. If you need X-rays or other care that requires a doctor’s office or hospital, unless it is a life-threating emergency, you MUST call One Team Health BEFORE you seek medical treatment. (844) 805-9444 )

MY DAILY TELEHEALTH SERVICES-TELEMEDICINE AND TELETHERAPY-available via Abi (Currently only available to participants hosted in the USA)

You have free access to telemedicine service 24/7, 365 days a year, for both mental and physical health. This service is available in English and Spanish. Login with your dhig ID # (check the front of the card) via www.dhig/digital. If you need to see a doctor, if appropriate, consider telemedicine first. If you are unsure, contact One Team Health (OTH) prior to seeking medical service. This is not required for life-threatening emergencies. You must contact OTH within 48 hours of such an emergency. Failure to do so may result in a reduction in benefits.

My daily telehealth connects you to a vast worldwide network of healthcare professionals offering top-tier virtual care tailored to local contexts. The below details are also found in your MyInsurance section under “Provider Search’

Features of this dynamic service include: 

• Unlimited access for telemedicine and teletherapy with no out-of-pocket expense to the member
• No claims to file or policy exclusions to worry about (this only applies to the consultation)
• Supports 24 languages over 40 countries and employs over 1,000 doctors and nurses (currently only available to participants hosted in the USA)
• Consultations available via video and text
• Prescriptions written by local physicians for a broad range of common medications (must file insurance claim for prescription reimbursement)    

When to use Abi – Common Medical Symptoms and Conditions 

• Infections of the upper respiratory tract, acute bronchitis, cough, throat, laryngitis, tonsillitis, sinuses, cold sores, ear, eye 
• Urinary tract infections
• Yeast infections
• Allergies
• Skin rashes, insect bites
• Constipation, Diarrhea, Acid Reflux, Heartburn, Vomiting
• Back & Joint pain, knee pain
• Anxiety, Depression, Panic Disorder, Stress disorders

How to use these Telemedicine and Teletherapy Services (please also see this link): 

Sign Up

 You will need to follow these following steps.

1. Click on the link to the telemedicine portal, https://dhig.digital . To create the account, first time users, click on ‘Sign Up’ at the bottom of the page.  

2. Please provide the necessary information, requested on the sign-up page

      a. Member dhig ID number

      b. Date of Birth

      c. Email address

      d. Phone number in your host country

3. A confirmation link will be sent to the provided email address. The link is valid for 15 minutes. Note that the user can always re-do the sign-up process for any existing member-ID after the access link expires. 

4. Click on the confirmation link.

5. Create a new password. 

6. Sign up. 

7. Please complete the mandatory details and accept terms & conditions.

Need Support for sign-up and enrollment process? Please contact [email protected].

IF you need to seek help outside of your Telehealth option, call One Team Health (OTH) hotline BEFORE you seek medical treatment unless it’s an emergency. OTH will tell you where to go to receive the appropriate level of care by a network provider.

To create your personal account, you will need:
– Your Last Name:
– Your First Name:
– Certificate Number: 191/1026/2076
– Your Date of Birth

The insurance link has virtually all you need.  It is an overview of your policy, outlines what you need to do in case you need assistance and includes other useful links.

• Service Hotlines (toll free telephone numbers)
• Find a doctor or specialist nearest you
• Claim forms and instructions
• ID Cards
• Visa Letter
• Insurance Policy Details

Pre-Authorization is required for Inpatient Hospitalization, Outpatient Surgery, CT/ MRI/PET scans, Physical Therapy & Rehabilitation Services, Specialty Treatment, and Highly Specialized Drugs. Call OTH at (844) 805-9444 or send an email to: [email protected] prior to obtaining treatment.  A $350 emergency room co-payment will be waived if you are admitted to the hospital through the emergency room. You must contact OTH within 48 hours of such an emergency. Failure to do so may result in a reduction in benefits.

Participant Document: View Document

https://www.esecutive.com/cert/pax_doc/191/1026/2076

Visa Letter: Visa Letter template

https://www.esecutive.com/cert/visa/191/1026/2076

Insurance Guide: Insurance Guide

https://www.esecutive.com/_data/pdfs/DHIG-Kooperativa_Insurance_Guide_US_OTH_6.13.2023.pdf

Additional Baggage/Liability Insurance

Participants can secure additional baggage and liability insurance, but you must do this independently after your insurance has been issued. You need to access your MyInsurance account to purchase the additional coverage. The Liability and Baggage coverage is $.40 per day. www.esecutive.com/MyInsurance