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 | |
| Full refund | |
| Outside area of cover limit for USA / Canada | |
| 30 days in-patient - Full refund for emergency treatment only | |
| Prosthetic devices | |
| Full refund | |
| Psychiatric treatment | |
| 30 days in-patient - Up to policy limit | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Full refund | |
| Diagnostic tests (excluding scans) | |
| Full refund | |
| GP referred consultations | |
| Full refund | |
| Physiotherapy consultant referred | |
| Full refund | |
| Physiotherapy GP referred | |
| Full refund | |
| Psychiatric cover | |
| 30 days in-patient | |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full refund | |
| Surgical Procedures | |
| Full refund | |
| Vaccinations administered by a medical practitioner | |
| Full refund | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| N/A | |
| Nursing at home | |
| Full refund | |
| Parental accommodation | |
| £60 per night for a maximum of 10 nights. | |
| Private ambulance | |
| Full refund | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| Yes | |
| Accompanying relative travel & accomodation | |
| £60 per night for a maximum of 10 nights. | |
| AIDS / HIV treatment | |
| N/A | |
| Alcohol & drug abuse | |
| N/A | |
| Annual maximum limit | |
£1,000,000 per annum £2,000,000 per lifetime £ 30,000 per new born child |
|
| Children covered | |
| Yes - as a separate policy | |
| Chinese medicine | |
| N/A | |
| Chiropractors & Osteopaths | |
| When recommended / referred to by a medical practitioner | |
| Chronic conditions & palliative care | |
| Full refund up to £10,000 | |
| Compassionate home visit | |
| Yes | |
| Cover for new born children | |
| Yes - as a separate policy, up to £30,000 | |
| Cremation / burial or repatriation of remains | |
* Cremation - Up to £200 towards the cost of cremation in the country where the death occurred. * Local Burial - Up to £600 towards the cost of burial in the country where the death occurred. * Repatriation of Remains - Yes & £200 towards the cost of the coffin |
|
| Dental treatment | |
| Yes - as an optional extention | |
| Emergency medical evacuation & medical repatriation | |
| Full refund | |
| Extended care facility | |
| N/A | |
| Health Screening | |
| Provided on a referral or arrangement basis only - We shall not be responsible for the cost incurred | |
| Hormone replacement therapy | |
| N/A | |
| Infertility investigations | |
| N/A | |
| Maternity cash benefit | |
| N/A | |
| Overseas cover | |
| Up to 30 days outside selected area of cover. | |
| Personal & total disability benefit | |
| N/A | |
| Policy excess | |
| Optional - NIL, £75, or £200 | |
| Pre-existing conditions | |
| Yes - provided this option is chosen at the time of application, and is brought to the insurers attention | |
| Pregnancy complications | |
| Yes - under the out-patient policy limit | |
| Presciption drugs, dressings and medicines | |
| Full refund | |
| Rehabilitation | |
| No - unless it forms an integral part of medical treatment received as an inpatient and is under the control or supervision of a specialist in a recognised rehabilitation unit. | |
| Routine maternity cover | |
| Full refund | |
| Sight / vision benefit | |
| Yes - as an optional extention | |
| Stabilisation of acute chronic episode | |
| Full refund | |
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |