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 | |
| 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 | |
| No cover | |
| Prosthetic devices | |
| Full cover | |
| Psychiatric treatment | |
| Not covered | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Not covered | |
| Diagnostic tests (excluding scans) | |
| Not covered | |
| GP referred consultations | |
| Not covered | |
| Physiotherapy consultant referred | |
| Not covered | |
| Physiotherapy GP referred | |
| Not covered | |
| Psychiatric cover | |
| Not covered | |
| Radiotherapy / Chemotherapy | |
| Not covered | |
| Scans - MRI / CT / PET | |
| Not covered | |
| Surgical Procedures | |
| Not covered | |
| Vaccinations administered by a medical practitioner | |
| Not covered | |
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 | |
| Covered up to £1,500 : $2,550 : €2,250 | |
| 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 | |
| Not covered | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| £500,000 : $850,000 : €750,000 | |
| Children covered | |
| 17 or 24 if FTE | |
| Chinese medicine | |
| Not covered | |
| Chiropractors & Osteopaths | |
| Not covered | |
| 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 | |
| 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 | |
| Covered up to £15,000 : $25,500 : €22,500 when the insured person dies outside of the home country | |
| Dental treatment | |
| Not covered | |
| Emergency medical evacuation & medical repatriation | |
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 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 | |
| Not covered | |
| Health Screening | |
| Not covered | |
| 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 | |
| Not covered | |
| Maternity cash benefit | |
| Not covered | |
| Overseas cover | |
| Available through Optional Personal Travel Plan | |
| Personal & total disability benefit | |
| Available through Optional Personal Accident Plan | |
| Policy excess | |
| 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 | |
| Covered subject to terms of 24 month rolling moratorium | |
| Pregnancy complications | |
| Covered up to £2,500 : $4,250 : €3,750 per plan year (available after 12 months continuous cover) | |
| Presciption drugs, dressings and medicines | |
| Not covered | |
| Rehabilitation | |
| Not covered | |
| Routine maternity cover | |
| Not covered | |
| Sight / vision benefit | |
| Not covered | |
| 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 |