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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Cost of the surgical procedures and transportation costs in performing 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 |
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Emergency medical treatment outside area of cover up to a limit of £30,000 : $51,000 : €45,000 |
| Prosthetic devices |
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Full cover if surgically implanted to form permanent parts of an insured person's body |
| Psychiatric treatment |
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No cover |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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Osteopathic, Chiropractic, Homeopathic and Acupuncture treatment covered up to £250 : $425 : €375 per plan year |
| Diagnostic tests (excluding scans) |
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Covered up to £4,000 : $6,800 : €6,000 per plan year |
| GP referred consultations |
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Covered up to £4,000 : $6,800 : €6,000 per plan year |
| Physiotherapy consultant referred |
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Covered up to £250 : $425 : €375 per plan year as a sub-limit of an out-patient limit of £4,000 : $6,800 : €6,000 |
| Physiotherapy GP referred |
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Covered up to £250 : $425 : €375 per plan year as a sub-limit of an out-patient limit of £4,000 : $6,800 : €6,000 |
| Psychiatric cover |
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Covered up to £1,000 : $1,700 : €1,500 per plan year (available after 12 months continuous 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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£250 : $425 : €375 per night up to a maximum of £7,500 : $12,750 : €11,250 per plan year |
| Nursing at home |
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Up to £2,500 : $4,250 : €3,750 per plan year |
| 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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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 |
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Lifetime limit of £50,000 : $85,000 : €75,000 available after 4 years continuous cover |
| Alcohol & drug abuse |
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No cover |
| Annual maximum limit |
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£750,000 : $1,275,000 : €1,125,000 |
| Children covered |
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17 or 24 if FTE |
| Chinese medicine |
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Covered within complementary medicine and treatment limit - up to £250 : $425 : €375 per plan year |
| Chiropractors & Osteopaths |
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Covered within complementary medicine and treatment limit - up to £250 : $425 : €375 per plan year |
| Chronic conditions & palliative care |
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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 £40,000 : $68,000 : €60,000 lifetime limit |
| Compassionate home visit |
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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 |
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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 |
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Covered up to £15,000 : $25,500 : €22,500 when the insured person dies outside of the home country |
| Dental treatment |
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Accidental damage to natural teeth (in-patient) covered in full. Treatment for the immediate relief of dental pain and accidental damage to natural teeth (out-patient) and restoration of natural teeth including x-rays, fillings, extractions, root-canal treatment and gum treatment covered up to 75% of £500 : $850 : €750 per plan year (available after 6 months continuous cover). |
| Emergency medical evacuation & medical repatriation |
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Full cover for transportation costs of an insured person to the nearest centre where adequate medical facilities are available, economy class return airfare to country of residence and travelling, accommodation and economy class 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, to accompany the insured person |
| Extended care facility |
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No cover |
| Health Screening |
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No cover |
| Hormone replacement therapy |
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Covered up to £150 : $255 : €225 |
| Infertility investigations |
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No cover |
| Maternity cash benefit |
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No cover |
| Overseas cover |
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Emergency medical treatment outside area of cover covered up to £30,000 : $51,000 : €45,000 per plan year. Further cover outside area of cover available through optional personal travel plan. |
| Personal & total disability benefit |
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Available through Optional Personal Accident Plan |
| Policy excess |
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Standard excess of £30 : $50 : €45 applied to out-patient treatment claims per medical condition per plan year. Excess can be deleted or voluntary excess selected. |
| Pre-existing conditions |
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Covered subject to terms of 24 month rolling moratorium |
| Pregnancy complications |
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Covered up to £5,000 : $8,500 : €7,500 per plan year (available after 12 months continuous cover) |
| Presciption drugs, dressings and medicines |
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Covered up to £4,000 : $6,800 : €6,000 per plan year |
| 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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Covered within the in-patient, day-care and out-patient limits |
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