Insurer & Benefits | Find a broker | |||
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Key Facts - In-patient & Day Case Charges | |
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Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
In full | |
Surgeon / Consultant / Specialist & Anaesthetists fees | |
In full | |
Physicians fees & diagnostic tests | |
In full | |
Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
In full | |
Organ transplant | |
Covered subject to overall policy limit of £750,000 : €1,125,000 : $1,125,000 - excludes cost of obtaining donor organs | |
Outside area of cover limit for USA / Canada | |
Cover for emergency treatment and evacuation where necessary - up to 60 days' cover per policy year | |
Prosthetic devices | |
Covered when used during an operation subject to overall policy limit of £750,000 : €1,125,000 : $1,125,000 | |
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) | |
In full (if directly associated with an in-patient or day-patient stay within 6 months) | |
GP referred consultations | |
Consultation x 1 following eligible in/day patient treatment | |
Physiotherapy consultant referred | |
Up to 10 sessions of Physiotherapy per insured person per one period of cover - following eligible in/day patient treatment | |
Physiotherapy GP referred | |
Up to 10 sessions of Physiotherapy per insured person per one period of cover - following eligible in/day patient treatment | |
Psychiatric cover | |
Not covered | |
Radiotherapy / Chemotherapy | |
In full | |
Scans - MRI / CT / PET | |
In full, if directly leading to and/or following within six months of related eligible in-patient or day-patient treatment | |
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 | |
£100 : €150 : $150 per night spent as an in-patient in a government or charitable hospital (Max 28 nights per insured person per policy year whilst undergoing treatment covered by the policy) | |
Nursing at home | |
14 days (following in-patient treatment or day-patient treatment - on specialist recommendation) | |
Parental accommodation | |
In full (child under 16 years of age - 1 parent only) | |
Private ambulance | |
Up to £250 : €375 : $375 | |
Additional Benefits | |
24 Hour emergency helpline | |
24hr / 7 days a week medical information line. A service to answer general queries and provide information on medical issues | |
Accompanying relative travel & accomodation | |
Up to £2,000 accommodation costs for insured person to accompany member. Travel costs in full. | |
AIDS / HIV treatment | |
Up to £3,000 : €4,500 : $4,500 per person per policy year | |
Alcohol & drug abuse | |
Not covered | |
Annual maximum limit | |
£750,000 : €1,125,000 : $1,125,000 per person per policy year | |
Children covered | |
Up to age 21 | |
Chinese medicine | |
Not covered | |
Chiropractors & Osteopaths | |
Not covered | |
Chronic conditions & palliative care | |
Chronic conditions up to £5,000 : $7,500 : €7,500 | |
Compassionate home visit | |
Economy class airfare The cost of an economy class return airfare to attend the funeral of a close family member. The benefit is limited is up to £1,000 : €1,500 : $1,500 per insured person per policy year |
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Cover for new born children | |
Newborn babies qualify for up to 3 months free cover, and can be added to the policy on full cover regardless of their health if notified to AVIVA within three months of birth. But birth defects and congenital conditions are excluded. | |
Cremation / burial or repatriation of remains | |
Up to £2,500 : €3,750 : $3,750 for transport (only) of mortal remains | |
Dental treatment | |
Up to £1,000 emergency benefit per insured person per year. | |
Emergency dental treatment following an accident: Up to £1,000 : €1,500 : $1,500 per person per policy year Routine dental treatment: Not Covered |
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Emergency medical evacuation & medical repatriation | |
Up to a total of £2,000 : €3,500 : $3,500 per person per policy year for Reasonable travel costs incurred in connection with the evacuation of an insured person. Emergency transport necessarily incurred in connection with benefits under this policy within the country where the treatment takes place.Accommodation costs (other than at s hospital incurred in connection with evacuation up to £100 : €150 : $150 per night within the £2,000 : €3,500 : $3,500 limit | |
Extended care facility | |
Not covered | |
Health Screening | |
Not covered | |
Hormone replacement therapy | |
Not covered | |
Infertility investigations | |
Covered if both partners have been covered continuously for two years and were unaware of the existence of infertility at policy commencement date | |
Maternity cash benefit | |
Not covered | |
Overseas cover | |
Worldwide Travel Extension Within area or lower - Paid in full Out of area - 60 days per insured person per policy year (limited to emergency in/day-patient and evacuation) |
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Personal & total disability benefit | |
Not covered | |
Policy excess | |
Standard excess of £25 : €40 : $40 applied to each eligible claim per person per policy year. | |
Pre-existing conditions | |
Not covered | |
Pregnancy complications | |
In full (10 Months membership applies) | |
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 | |
Up to £50,000 per person per policy year |
Insurer & Benefits: | Insurers, Featured Insurers |
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