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 | |
| No cover | |
| Prosthetic devices | |
| Full cover | |
| Psychiatric treatment | |
| No cover | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| No cover | |
| Diagnostic tests (excluding scans) | |
| No cover | |
| GP referred consultations | |
| No cover | |
| Physiotherapy consultant referred | |
| No cover | |
| Physiotherapy GP referred | |
| No cover | |
| Psychiatric cover | |
| No cover | |
| Radiotherapy / Chemotherapy | |
| No cover | |
| Scans - MRI / CT / PET | |
| No cover | |
| Surgical Procedures | |
| No cover | |
| Vaccinations administered by a medical practitioner | |
| No cover | |
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 £1,500 : $2,550 : €2,250 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 | |
| No cover | |
| Alcohol & drug abuse | |
| No cover | |
| Annual maximum limit | |
| £500,000 : $850,000 : €750,000 | |
| Children covered | |
| 17 or 24 if FTE | |
| Chinese medicine | |
| No cover | |
| Chiropractors & Osteopaths | |
| No cover | |
| Chronic conditions & palliative care | |
| Stabilisation of acute exacerbations/episodes of chronic medical conditions covered within the limits of the in-patient & day-care section. No cover for maintenance, routine checkups, prescribed drugs and dressings and palliative treatment | |
| Compassionate home visit | |
| No cover | |
| 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 | |
| Accidental damage to natural teeth (in-patient) = Full cover | |
| Emergency medical evacuation & medical repatriation | |
Full cover for when relating to in-patient and daycare treatment: 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 | |
| No cover | |
| Hormone replacement therapy | |
| Covered up to £150 : €225 : $255 immediately following in-patient or daycare treatment for a period of 90 days after discharge | |
| Infertility investigations | |
| No cover | |
| Maternity cash benefit | |
| No cover | |
| Overseas 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 | |
| No cover | |
| Presciption drugs, dressings and medicines | |
| No cover | |
| Rehabilitation | |
| No cover | |
| Routine maternity cover | |
| No cover | |
| Sight / vision benefit | |
| No cover | |
| Stabilisation of acute chronic episode | |
| Covered within the in-patient and day-care limits | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |