Key Facts - In-patient & Day Case Charges |
|---|
| Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings |
|---|
|
|
Full refund |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
|---|
|
|
Full refund |
| Physicians fees & diagnostic tests |
|---|
|
|
Full refund |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
|---|
|
|
Full refund |
| Organ transplant |
|---|
|
|
Up to £100,000 : €150,000 : $187,500 |
| Outside area of cover limit for USA / Canada |
|---|
|
|
Up to a maximum limit of £20,000 : €30,000 : $37,500 |
| Prosthetic devices |
|---|
|
|
Full refund |
| Psychiatric treatment |
|---|
|
|
Up to an annual limit of 14 days for in-patient treatment |
Key Facts - Out-patient Charges |
|---|
| Complementary medicine |
|---|
|
|
Not covered |
| Diagnostic tests (excluding scans) |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| GP referred consultations |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| Physiotherapy consultant referred |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| Physiotherapy GP referred |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| Psychiatric cover |
|---|
|
|
Not covered |
| Radiotherapy / Chemotherapy |
|---|
|
|
Full refund |
| Scans - MRI / CT / PET |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| Surgical Procedures |
|---|
|
|
Full refund (up to an overall out-patient limit of £5,000 : &€7,500 : €9,375 with a £35 :€55 : $75 excess per claim) |
| Vaccinations administered by a medical practitioner |
|---|
|
|
Not covered |
Key Facts - Additional Benefits |
|---|
| Cash benefit if the treatment is received completely free of charge |
|---|
|
|
£75 : €125 : $160 per night as an in-patient |
| Nursing at home |
|---|
|
|
Up to 14 days per year |
| Parental accommodation |
|---|
|
|
Full refund (child up to 18 years old) |
| Private ambulance |
|---|
|
|
£200 : €300 : $375 per year for a road ambulance |
Additional Benefits |
|---|
| 24 Hour emergency helpline |
|---|
|
|
24hr / 7 days a week |
| Accompanying relative travel & accomodation |
|---|
|
|
Not covered |
| AIDS / HIV treatment |
|---|
|
|
Not covered |
| Alcohol & drug abuse |
|---|
|
|
Not covered |
| Annual maximum limit |
|---|
|
|
£750,000 : €1,125,000 : $1,406,250 |
| Children covered |
|---|
|
|
18 or 24 if in FTE |
| Chinese medicine |
|---|
|
|
Not covered |
| Chiropractors & Osteopaths |
|---|
|
|
Not covered |
| Chronic conditions & palliative care |
|---|
|
|
Not covered |
| Compassionate home visit |
|---|
|
|
Not covered |
| Cover for new born children |
|---|
|
|
Not covered |
| Cremation / burial or repatriation of remains |
|---|
|
|
Repatriation of mortal remains up to max of £50,000 : €75,000 : $93,750 as part of the overall set limit for Repatriation and Evacuation |
| Dental treatment |
|---|
|
|
Not covered |
| Emergency medical evacuation & medical repatriation |
|---|
|
|
Up to max of £50,000 : €75,000 : $93,750 |
| Extended care facility |
|---|
|
|
Not covered |
| Health Screening |
|---|
|
|
Up to £250 : €375 : $470 per policy year (after 2 years continuous membership) |
| Hormone replacement therapy |
|---|
|
|
Not covered |
| Infertility investigations |
|---|
|
|
Not covered |
| Maternity cash benefit |
|---|
|
|
Not covered |
| Overseas cover |
|---|
|
|
Not applicable |
| Personal & total disability benefit |
|---|
|
|
Not covered |
| Policy excess |
|---|
|
|
Standard excess of £35 : €55 : $70 applied to each eligible claim per person per policy year |
| Pre-existing conditions |
|---|
|
|
Not covered |
| Pregnancy complications |
|---|
|
|
Up to £10,000 : €15,000 : $18,750 (eligible after 12 months membership) |
| Presciption drugs, dressings and medicines |
|---|
|
|
Up to max £100 : €150 : $190 per policy year |
| Rehabilitation |
|---|
|
|
Not covered |
| Routine maternity cover |
|---|
|
|
Not covered |
| Sight / vision benefit |
|---|
|
|
Not covered |
| Stabilisation of acute chronic episode |
|---|
|
|
Not covered |
Registration 
