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 cover | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Full cover | |
| Physicians fees & diagnostic tests | |
| Full cover | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Full cover | |
| Organ transplant | |
| Treatment for and in relation to an organ transplant of either: kidney, liver, heart, lung, or heart and lung, in respect of the insured person as recipient and not the organ donor. Covered up to £250,000 : $425,000 : €375,000 | |
| Outside area of cover limit for USA / Canada | |
| Emergency medical treatment outside area of cover up to a limit of £35,000 : $59,500 : €52,500 | |
| Prosthetic devices | |
| Full cover | |
| Psychiatric treatment | |
| Full cover - maximum 30 days after 12 months continuous cover | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Complementary medicine and treatment by a therapist, when referred by a medical practitioner, consultant or specialist. This benefit extends to osteopathic, chiropractic, homeopathic and acupuncture treatment as well as Chinese herbal medicine and physiotherapy up to a maximum of £2,000 : $ 3,400 : €3,000 | |
| Diagnostic tests (excluding scans) | |
| Full cover | |
| GP referred consultations | |
| Full cover | |
| Physiotherapy consultant referred | |
| Full cover | |
| Physiotherapy GP referred | |
| Full cover | |
| Psychiatric cover | |
| Covered up to £2,000 : $3,400 : €3,000 (available after 12 months continuous cover under the plan) | |
| Radiotherapy / Chemotherapy | |
| Full cover | |
| Scans - MRI / CT / PET | |
| Full cover | |
| Surgical Procedures | |
| Full cover | |
| Vaccinations administered by a medical practitioner | |
| Covered up to £500 : $850 : €750 per plan year as part of wellness benefit | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £250 : $425 : €375 per night up to a maximum of £7,500 : $12,750 : €11,250 per plan year | |
| Nursing at home | |
| Up to £5,000 : $8,500 : €7,500 per plan year | |
| Parental accommodation | |
| Full cover - child up to 18 | |
| Private ambulance | |
| Full cover | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| Included | |
| Accompanying relative travel & accomodation | |
| Travelling, accommodation and economy class return airfare expenses for pre-authorised costs of a close business colleague or the insured person's dependants, or in the case of the insured person being a dependant, a parent or close family member, having to accompany the insured person for an emergency medical evacuation. | |
| AIDS / HIV treatment | |
| Lifetime limit of £50,000 : $85,000 : €75,000 available after 4 years continuous cover | |
| Alcohol & drug abuse | |
| No cover | |
| Annual maximum limit | |
| £2,000,000 : $3,400,000 : €3,000,000 | |
| Children covered | |
| 17 or 24 if FTE | |
| Chinese medicine | |
| Complementary medicine and treatment by a therapist, when referred by a medical practitioner, consultant or specialist. This benefit extends to osteopathic, chiropractic, homeopathic and acupuncture treatment as well as Chinese herbal medicine and physiotherapy up to a maximum of £2,000 : $ 3,400 : €3,000 | |
| Chiropractors & Osteopaths | |
| Osteopathic, Chiropractic, Homeopathic and Acupuncture treatment and Chinese herbal medicine covered up to £2,000 : $3,400 : €3,000 per plan year | |
| Chronic conditions & palliative care | |
| Stabilisation of acute exacerbations/episodes of chronic medical conditions covered within the in-patient, day-care & out-patient limits. Maintenance, routine check-ups, prescribed drugs and dressings and palliative treatment covered up to £60,000 : $102,000 : €90,000 lifetime limit | |
| Compassionate home visit | |
| Costs incurred by an insured person for an economy class return airfare from the country of residence to visit a close family member, up to the age of 75 years, in the event of that close family member being placed on a critical list or his/her death. Limited to one return journey per insured person per plan year - Covered in full | |
| Cover for new born children | |
| Covered within the benefit limits of the plan provided they are added as dependants before they are 30 days old. | |
| Cremation / burial or repatriation of remains | |
| Full cover | |
| Dental treatment | |
| Treatment for the immediate relief of dental pain, accidental damage to natural teeth (in patient) covered in full. Restoration of natural teeth including x-rays, fillings, extractions, root canal treatment, gum treatment, semi precious and replacement crowns Covered up to 75% of £500 : $850 : €750 | |
| Emergency medical evacuation & medical repatriation | |
Full cover for: The transportation costs of an insured person to the nearest centre where adequate medical facilities are available. Payment of this benefit, including treatment incurred, will be subject to the insured person suffering from a medical condition; (a) that necessitates the insured person being placed on a critical list, or (b) for which in our opinion, adequate treatment is not available in the location where such treatment is required and/or recovery would be substantially expedited thereby Travelling, accommodation and economy class return airfare expenses for pre-authorised costs of a close business colleague, or the insured person’s dependants, or in the case of the insured person being a dependant, a parent or close family member, having to accompany the insured person for an emergency medical evacuation. This benefit will only become available under the conditions detailed in clause (a) above |
|
| Extended care facility | |
| No cover | |
| Health Screening | |
| Covered up to £500 : $850 : €750 per plan year as part of wellness benefit | |
| Hormone replacement therapy | |
| Covered up to £150 : $255 : €225 | |
| Infertility investigations | |
| No cover | |
| Maternity cash benefit | |
| No cover | |
| Overseas cover | |
| Emergency medical treatment outside area of cover covered up to £35,000 : $59,500 : €52,500 per plan year. Further cover outside area of cover available through optional personal travel plan. | |
| Personal & total disability benefit | |
| Available through Optional Personal Accident Plan | |
| Policy excess | |
| Standard excess of £25 : $42.50 : €37.50 applied to out-patient treatment claims per medical condition per plan year. Excess can be deleted or voluntary excess selected | |
| Pre-existing conditions | |
| Covered subject to terms of 24 month rolling moratorium | |
| Pregnancy complications | |
| Available if required by client | |
| Presciption drugs, dressings and medicines | |
| Full cover | |
| Rehabilitation | |
| No cover | |
| Routine maternity cover | |
| Available if required by client | |
| Sight / vision benefit | |
| No cover | |
| Stabilisation of acute chronic episode | |
| Covered within the in-patient, day-care and out-patient limits | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |