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 | |
| Semi private room / Full refund | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Full refund | |
| Physicians fees & diagnostic tests | |
| Full refund | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Full refund | |
| Organ transplant | |
| Full refund | |
| Outside area of cover limit for USA / Canada | |
| Full refund, max. 42 days, for emergency treatment outside area of cover (for trips of a max period of 6 weeks) | |
| Prosthetic devices | |
| Full refund | |
| Psychiatric treatment | |
| Covered up to £7,750 : €10,600 : $15,000 : CHF15,900 (10 month waiting period applies) | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Diagnostic tests (excluding scans) | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - Full Refund (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| GP referred consultations | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Physiotherapy consultant referred | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Physiotherapy GP referred | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Psychiatric cover | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold or Silver) | |
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Out-Patient Plans - Gold
|
Gold - 30 visits (18 month waiting period applies) |
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Out-Patient Plans - Silver
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Silver - 20 visits (18 month waiting period applies - up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF 13,500) |
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Out-Patient Plans - Bronze
|
Bronze - N/A |
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Out-Patient Plans - Crystal
|
Crystal - N/A |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full refund | |
| Surgical Procedures | |
| Full refund | |
| Vaccinations administered by a medical practitioner | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver or Bronze) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - N/A |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £110 : €150 : $210 : CHF225 per night (max. 25 nights) | |
| Nursing at home | |
| £2,070 : €2,830 : $4,000 : CHF4,245 (immediately after or instead of hospitalisation); stay in a convalescent home also covered | |
| Parental accommodation | |
| Full refund (for one parent staying in hospital with an insured child under 18 years) | |
| Private ambulance | |
| Full refund (Local road ambulance service only) | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| 24hr / 7 days a week | |
| Accompanying relative travel & accomodation | |
| Expenses for one person accompanying an evacuated/repatriated person £2,200 : €3,000 : $4,250 : CHF4,500 | |
| AIDS / HIV treatment | |
| Treatment covered | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| £825,000 : €1,125,000 : $1,600,000 : CHF1,687,500 | |
| Children covered | |
| Up to the day before their 18th birthday, or up to the day before their 24th birthday if in full-time education | |
| Chinese medicine | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Chinese herbal medicine and acupuncture - Full refund |
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Out-Patient Plans - Silver
|
Silver - Chinese herbal medicine and acupuncture - Full refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - Chinese herbal medicine and acupuncture - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - Chinese herbal medicine and acupuncture - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Chiropractors & Osteopaths | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold, Silver, Bronze or Crystal) | |
|
Out-Patient Plans - Gold
|
Gold - Full refund |
|
Out-Patient Plans - Silver
|
Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
|
Out-Patient Plans - Bronze
|
Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750) |
|
Out-Patient Plans - Crystal
|
Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750) |
| Chronic conditions & palliative care | |
| Chronic conditions are covered within the limits of the plan unless indicated otherwise in the table of benefits or the insurance certificate. However, pre-existing chronic conditions are not covered unless declared on the application form and accepted by us in writing | |
| Palliative Care - Full refund (max. 30 days per lifetime) | |
| Compassionate home visit | |
| Not covered | |
| Cover for new born children | |
| Newborn infants (with the exception of multiple birth babies) will be accepted for cover from birth without medical underwriting, provided that we are notified within 4 weeks of the date of birth and that the birth mother has been insured with us for a minimum of 6 continuous months. Notification of the birth after 4 weeks will result in newborn children being underwritten and cover will only commence from the date of acceptance. In-patient treatment for multiple birth babies born as a result of medically assisted reproduction will be covered up to £22,000 : €30,000 : $42,500/CHF45,000 per child for the first 3 months following birth. Out-patient treatment will be covered under the limits of the Out-patient Plan. Please note that all multiple birth babies will be subject to full medical underwriting. | |
| Cremation / burial or repatriation of remains | |
| Repatriation of Mortal Remains up to £7,330 : €10,000 : $14,000 : CHF15,000 | |
| Dental treatment | |
|
Dental Plan - Plan 1
|
Dental Plan 1 - No benefit limit Dental treatment 100% refund Dental surgery 100% refund Periodontics 80% refund Orthodontic treatment and dental prothesis (10 month waiting period applies) 65% refund (up to £3,650 : €5,000 : $7,100 : CHF7,500) |
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Dental Plan - Plan 2
|
Dental Plan 2 - Overall max. benefit £1,530 : €2,050 : $2,875 : CHF3,075 Dental treatment 80% refund Dental surgery 80% refund Periodontics 80% refund Orthodontic treatment and dental prothesis (10 month waiting period applies) 50% refund |
| Emergency in- or day-patient dental treatment - Full refund (within the overall maximum limit of the core plan £825,000 : €1,125,000 : $1,600,000 : CHF1,687,500) | |
| Emergency out-patient dental treatment - N/A | |
| Emergency medical evacuation & medical repatriation | |
| Medical evacuation - Full refund (within the overall maximum limit of the plan £825,000 : €1,125,000 : $1,600;000 : CHF1,687,500) | |
| Medical repatriation - Optional Repatriation Plan - Full refund | |
| Extended care facility | |
| Not covered | |
| Health Screening | |
| Costs for emergency out-patient treatment covered up to £550 : €750 : $1,050 : CHF1,125 under core plan, reimbursement of additional costs within the terms of any separate out-patient plan (Gold or Silver) | |
|
Out-Patient Plans - Gold
|
Gold - £585 : €800 : $1,125 : CHF1,200 |
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Out-Patient Plans - Silver
|
Silver - £440 : €600 : $850 : CHF900 (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500) |
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Out-Patient Plans - Bronze
|
Bronze - N/A |
|
Out-Patient Plans - Crystal
|
Crystal - N/A |
| Hormone replacement therapy | |
| Full cover within the terms of the plan | |
| Infertility investigations | |
| Not covered | |
|
Out-Patient Plans - Gold
|
Gold - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (18 month waiting period applies) |
|
Out-Patient Plans - Silver
|
Silver - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500 - 18 month waiting period applies) |
|
Out-Patient Plans - Bronze
|
Bronze - N/A |
|
Out-Patient Plans - Crystal
|
Crystal - N/A |
| Maternity cash benefit | |
| N/A | |
| Organ Transplants | |
| Full refund | |
| Overseas cover | |
| Full refund, max. 42 days, for emergency treatment outside area of cover (for trips of a max period of 6 weeks) | |
| Personal & total disability benefit | |
| Not covered | |
| Policy excess | |
Optional out-patient Deductibles No deductible : 0% Discount £75 |€100 |$140 |CHF150 : 10% Discount £150|€200 |$280 |CHF300 : 20% Discount £365|€500 |$710 |CHF750 : 45% Discount £730|€1,000|$1,400|CHF1,500: 70% Discount |
|
| Pre-existing conditions | |
| Not covered | |
| Pregnancy complications | |
| Full refund for in-patient and out-patient treatment (10 month waiting period applies) | |
| Presciption drugs, dressings and medicines | |
| Full refund | |
| Rehabilitation | |
| £2,200 : €3,000 : $4,250 : CHF4,500 | |
| Routine maternity cover | |
| Full refund for in-patient and out-patient treatment (10 month waiting period applies) | |
| Sight / vision benefit | |
| Not covered | |
|
Out-Patient Plans - Gold
|
Gold - £150 : €200 : $280 : CHF300 (prescribed glasses and contact lenses) |
|
Out-Patient Plans - Silver
|
Silver - £130 : €180 : $250 : CHF270 (prescribed glasses and contact lenses) |
|
Out-Patient Plans - Bronze
|
Bronze - N/A |
|
Out-Patient Plans - Crystal
|
Crystal - N/A |
| Stabilisation of acute chronic episode | |
| Full refund | |
| Well Baby Examination | |
| Not covered | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |