Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
Key Facts - In-patient & Day Case Charges | |
|---|---|
| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
| Full refund | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Full refund | |
| Physicians fees & diagnostic tests | |
| Full refund | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Full refund | |
| Organ transplant | |
| £100,000 : €140,000 : US$200,000 lifetime limit | |
| Outside area of cover limit for USA / Canada | |
| £30,000 : €42,000 : US$60,000 for trips up to a maximum of six weeks / 42 nights each year | |
| Prosthetic devices | |
| No cover | |
| Psychiatric treatment | |
| Limited to 30 days each year | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
Limited to £2,000: €2,800:US$4,000 per year for chinese herbalists, Chiropractors, Osteopaths, Homeopaths, Acupuncturists, Dietician (limited to 1 visit per year) and Podiatrist (limited to 2 visits per year). |
|
| Diagnostic tests (excluding scans) | |
| Full refund | |
| GP referred consultations | |
| Full refund | |
| Physiotherapy consultant referred | |
| Limited to £2,000 : €2,800 or US$4,000 each year | |
| Physiotherapy GP referred | |
| Limited to £2,000 : €2,800 or US$4,000 each year | |
| Psychiatric cover | |
| Limited to £5,000 : €7,000 : US$10,000 (All treatment must be pre-authorised) | |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full cover | |
| Surgical Procedures | |
| Full refund | |
| Vaccinations administered by a medical practitioner | |
| Not covered | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £200 : €280 : US$400 per night (up to maximum of 30 nights pa) | |
| Nursing at home | |
| Limited to 8 weeks per condition to maximum of 26 weeks | |
| Parental accommodation | |
| Full refund (staying with a child under 18 years old) | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| Included | |
| Accompanying relative travel & accomodation | |
| Covered as part of repatriation and evacuation benefit | |
| AIDS / HIV treatment | |
| Covered as a chronic condition (in-patient full refund for acute episodes,£10,000 : €14,000 : US$20,000 for routine management: Out-patient Full refund for acute episodes, £1,000 : €1,400 : US$2,000 for routine management) | |
| Alcohol & drug abuse | |
| No cover | |
| Annual maximum limit | |
| £1,000,000 : $1,400,000 : €2,000,000 | |
| Children covered | |
| 21 (24 if still in full time education) | |
| Chinese medicine | |
Limited to £2,000: €2,800:US$4,000 per year for chinese herbalists, Chiropractors, Osteopaths, Homeopaths, Acupuncturists, Dietician (limited to 1 visit per year) and Podiatrist (limited to 2 visits per year). |
|
| Chiropractors & Osteopaths | |
Limited to £2,000: €2,800:US$4,000 per year for chinese herbalists, Chiropractors, Osteopaths, Homeopaths, Acupuncturists, Dietician (limited to 1 visit per year) and Podiatrist (limited to 2 visits per year). |
|
| Chronic conditions & palliative care | |
| Full refund Routine management, maintenance and palliative treatment of a chronic condition. Limited to £1,000 : €1,400 : US$2,000 each year | |
| Compassionate home visit | |
| No cover | |
| Cover for new born children | |
| Premature births cover for 30 days of life max £10,000 : €15,000 : US$15,000 | |
| Cremation / burial or repatriation of remains | |
| Limited to £5,000 : €7,000 : US$10,000 | |
| Dental treatment | |
| Optional extra. Routine dentistry covered up to sectional limits. Accidental damage, if treatment received within 5 days. Specified Dental procedures / treatments up to sectional limits. Dental surgery full refund | |
| Emergency medical evacuation & medical repatriation | |
| Optional Extra (Evacuation & Repatriation cover available. Full refund) | |
| Extended care facility | |
| No cover | |
| Health Screening | |
| Routine Health Management:Optional extra as part of out-patient benefit: £1,000 : €1,400 : US$2,000 per year. Vital signs, cardio, cancer screening,well child. One year wait period applies | |
| Hormone replacement therapy | |
| Full refund for treating a hormone imbalance condition | |
| Infertility investigations | |
| No cover | |
| Maternity cash benefit | |
| where treatment received free of charge in a state facility: £100 : €1,400 : US$200 per night maximum 30 nights | |
| Overseas cover | |
| Full refund | |
| Personal & total disability benefit | |
| No cover | |
| Pre-existing conditions | |
| Not covered | |
| Pregnancy complications | |
| Limited to £10,000 : €14,000 : US$20,000 | |
| Rehabilitation | |
| Full refund when it is considered an integral part of treatment | |
| Routine maternity cover | |
| Limited to £5,000 : €7,000 : US$10,000 | |
| Provided that maternity option is taken | |
| Sight / vision benefit | |
| As part of out-patient optional benefit: one exam per year and contribution to prescribed glasses/lenses, £130 : €182 : US$260 per year | |
| Stabilisation of acute chronic episode | |
| Full cover | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |