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 refund |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full refund |
| Physicians fees & diagnostic tests |
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Full refund |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Full refund |
| Organ transplant |
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Not covered |
| Outside area of cover limit for USA / Canada |
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Up to a maximum limit of £10,000 : €15,000 : $18,750 |
| Prosthetic devices |
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Full refund |
| Psychiatric treatment |
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Not covered |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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Not covered |
| Diagnostic tests (excluding scans) |
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Not covered |
| GP referred consultations |
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Not covered |
| Physiotherapy consultant referred |
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Not covered |
| Physiotherapy GP referred |
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Not covered |
| Psychiatric cover |
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Not covered |
| Radiotherapy / Chemotherapy |
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Full refund |
| Scans - MRI / CT / PET |
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Not covered |
| Surgical Procedures |
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Full refund |
| Vaccinations administered by a medical practitioner |
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Not covered |
Key Facts - Additional Benefits |
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| Cash benefit if the treatment is received completely free of charge |
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£75 : €125 : $160 per night as an in-patient |
| Nursing at home |
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Not covered |
| Parental accommodation |
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Full refund (child up to 18 years old) |
| Private ambulance |
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£150 : €225 : $285 per year for a road ambulance |
Additional Benefits |
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| 24 Hour emergency helpline |
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24hr / 7 days a week |
| Accompanying relative travel & accomodation |
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Not covered |
| AIDS / HIV treatment |
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Not covered |
| Alcohol & drug abuse |
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Not covered |
| Annual maximum limit |
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£500,000 : €750,000 : $1,000,000 |
| Children covered |
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18 or 24 if in FTE |
| Chinese medicine |
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Not covered |
| Chiropractors & Osteopaths |
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Not covered |
| Chronic conditions & palliative care |
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Not covered |
| Compassionate home visit |
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Not covered |
| Cover for new born children |
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Not covered |
| Cremation / burial or repatriation of remains |
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Repatriation of mortal remains up to max of £30,000 : €45,000 : $56,250 as part of the overall set limit for Repatriation and Evacuation |
| Dental treatment |
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Not covered |
| Emergency medical evacuation & medical repatriation |
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Up to max of £30,000 : €45,000 : $56,250 |
| Extended care facility |
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Not covered |
| Health Screening |
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Not covered |
| Hormone replacement therapy |
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Not covered |
| Infertility investigations |
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Not covered |
| Maternity cash benefit |
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Not covered |
| Overseas cover |
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Not applicable |
| Personal & total disability benefit |
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Not covered |
| Policy excess |
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Standard excess of £35 : €55 : $70 applied to each eligible claim per person per policy year |
| Pre-existing conditions |
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Not covered |
| Pregnancy complications |
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Up to £10,000 : €15,000 : $18,750 (eligible after 12 months membership) |
| Presciption drugs, dressings and medicines |
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Not covered |
| Rehabilitation |
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Not covered |
| Routine maternity cover |
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Not covered |
| Sight / vision benefit |
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Not covered |
| Stabilisation of acute chronic episode |
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Not covered |
Registration 
