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 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 £50,000 : €75,000 : $93,750 | |
| Prosthetic devices | |
| Full refund | |
| Psychiatric treatment | |
| Up to an annual limit of 30 days for in-patient treatment | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Up to a maximum £500 : €750 : $940 with a £35 : €55 : $70 excess per claim | |
| Diagnostic tests (excluding scans) | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| GP referred consultations | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| Physiotherapy consultant referred | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| Physiotherapy GP referred | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| Psychiatric cover | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full refund with a £35 : €55 : $70 excess per claim | |
| Surgical Procedures | |
| Full refund with a £35 : €55 : $70 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 | |
| £100 : €150 : $190 per night as an in-patient | |
| Nursing at home | |
| Up to 30 days per year | |
| Parental accommodation | |
| Full refund (child up to 18 years old) | |
| Private ambulance | |
| £250 : €375 : $470 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 | |
| Optional Enhancement - £15,000 : €22,500 : $28,125 for the lifetime of the policy (condition must be diagnosed after the inception date - In-patient & out-patient treatment) (+40% premium) | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| £1,000,000 : €1,500,000 : $1,875,000 | |
| Children covered | |
| 18 or 24 if in FTE | |
| Chinese medicine | |
| Not covered | |
| Chiropractors & Osteopaths | |
| Up to a maximum £500 : €750 : $940 with a £35 : €55 : $70 excess per claim | |
| Chronic conditions & palliative care | |
| Not covered | |
| Optional Enhancement - £15,000 : €22,500 : $28,125 for the lifetime of the policy (condition must be diagnosed after the inception date - In-patient & out-patient treatment) (+40% premium) | |
| Compassionate home visit | |
| Not covered | |
| Cover for new born children | |
| Not covered | |
| Cremation / burial or repatriation of remains | |
| Full refund | |
| Dental treatment | |
Routine Dental treatment covered up to £500 : €750 : $940 with a £50 : €75 : $95 excess per claim Emergency Dental treatment covered up to £1,000 :€1,500 : $1,875 |
|
| Emergency medical evacuation & medical repatriation | |
| Full refund | |
| 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 | |
| Organ Transplants | |
| Up to £100,000 : €150,000 : $187,500 | |
| 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 £500 : €750 : $940 per policy year | |
| Rehabilitation | |
| Not covered | |
| Routine maternity cover | |
| Up to £5,000 : €7,500 : $9,375 (eligible after 12 months membership) | |
| Sight / vision benefit | |
| Up to max £500 : €750 : $940 per policy year | |
| Stabilisation of acute chronic episode | |
| Not covered | |
| Optional Enhancement - £15,000 : €22,500 : $28,125 for the lifetime of the policy (condition must be diagnosed after the inception date - In-patient & out-patient treatment) (+40% premium) | |
| Well Baby Examination | |
| Not covered | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |