Key Facts - In-patient & Day Case Charges |
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| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings |
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Full cover |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full cover |
| Physicians fees & diagnostic tests |
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Full cover |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Full cover |
| Organ transplant |
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Not covered |
| Outside area of cover limit for USA / Canada |
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No cover |
| Prosthetic devices |
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Full cover |
| Psychiatric treatment |
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Full cover - maximum 30 days after 12 months continuous cover |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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No cover |
| Diagnostic tests (excluding scans) |
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Up to £200 : $360 : €300 per condition prior to admission or following in-patient, day-patient, out-patient surgery |
| GP referred consultations |
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Up to £400 : $720 : €620 per condition prior to admission then up to £1,000 : $1,800 : €1,500 following in-patient, day-patient, out-patient surgery |
| Physiotherapy consultant referred |
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No cover |
| Physiotherapy GP referred |
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No cover |
| Psychiatric cover |
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No cover |
| Radiotherapy / Chemotherapy |
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Full cover |
| Scans - MRI / CT / PET |
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Full cover |
| Surgical Procedures |
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Full cover |
| Vaccinations administered by a medical practitioner |
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No cover |
Key Facts - Additional Benefits |
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| Cash benefit if the treatment is received completely free of charge |
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£100 : $180 : €150 per night max 60 nights |
| Nursing at home |
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Up to £75 : $135 : €115 per night maximum 15 visits |
| Parental accommodation |
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Full cover - child up to 18 |
| Private ambulance |
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Full cover |
Additional Benefits |
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| 24 Hour emergency helpline |
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Included |
| Accompanying relative travel & accomodation |
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Not covered |
| AIDS / HIV treatment |
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No cover |
| Alcohol & drug abuse |
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No cover |
| Annual maximum limit |
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£1m : $1.8m : €1.5m |
| Children covered |
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Up to age 18 |
| Chinese medicine |
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No cover |
| Chiropractors & Osteopaths |
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No cover |
| Chronic conditions & palliative care |
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No cover |
| Compassionate home visit |
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No cover |
| Cover for new born children |
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No cover |
| Cremation / burial or repatriation of remains |
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Up to £5,000 : US$9,000 : €7,500 |
| Dental treatment |
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No cover |
| Emergency medical evacuation & medical repatriation |
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Full cover to nearest medical facility within your area of cover |
| Extended care facility |
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No cover |
| Health Screening |
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No cover |
| Hormone replacement therapy |
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No cover |
| Infertility investigations |
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No cover |
| Maternity cash benefit |
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No cover |
| Overseas cover |
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No cover |
| Personal & total disability benefit |
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No cover |
| Policy excess |
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Standard policy excess of £100 : $180: €150 per condition per year, to a maximum of 10 excesses per person and 20 per family |
| Pre-existing conditions |
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No cover |
| Pregnancy complications |
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No cover |
| Presciption drugs, dressings and medicines |
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No cover |
| Rehabilitation |
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No cover |
| Routine maternity cover |
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No cover |
| Sight / vision benefit |
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No cover |
| Stabilisation of acute chronic episode |
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No cover |
Registration 
