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 cover |
| Surgeon / Consultant / Specialist & Anaesthetists fees |
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Full cover |
| Physicians fees & diagnostic tests |
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Full cover |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy |
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Full cover |
| Organ transplant |
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Not covered |
| Outside area of cover limit for USA / Canada |
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No cover |
| Prosthetic devices |
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No cover |
| Psychiatric treatment |
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Full cover - maximum 30 days after 12 months continuous cover |
Key Facts - Out-patient Charges |
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| Complementary medicine |
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No cover |
| Diagnostic tests (excluding scans) |
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Up to £200 : $360 : €300 per condition prior to admission or following in-patient, day-patient, out-patient surgery |
| GP referred consultations |
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Up to £400 : $720 : €620 per condition prior to admission then up to £1,000 : $1,800 : €1,500 following in-patient, day-patient, out-patient surgery |
| Physiotherapy consultant referred |
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No cover |
| Physiotherapy GP referred |
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No cover |
| Psychiatric cover |
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No cover |
| Radiotherapy / Chemotherapy |
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Full cover |
| Scans - MRI / CT / PET |
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Full cover |
| Surgical Procedures |
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Full cover |
| Vaccinations administered by a medical practitioner |
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No cover |
Key Facts - Additional Benefits |
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| Cash benefit if the treatment is received completely free of charge |
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£100 : $180 : €150 per night max 60 nights |
| Nursing at home |
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Up to £75 : $135 : €115 per night maximum 15 visits |
| Parental accommodation |
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Full cover - child up to 18 |
| Private ambulance |
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Full cover |
Additional Benefits |
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| 24 Hour emergency helpline |
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Included |
| Accompanying relative travel & accomodation |
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Not covered |
| AIDS / HIV treatment |
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No cover |
| Alcohol & drug abuse |
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No cover |
| Annual maximum limit |
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£1m : $1.8m : €1.5m |
| Children covered |
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Up to age 18 |
| Chinese medicine |
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No cover |
| Chiropractors & Osteopaths |
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No cover |
| Chronic conditions & palliative care |
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No cover |
| Compassionate home visit |
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No cover |
| Cover for new born children |
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No cover |
| Cremation / burial or repatriation of remains |
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Up to £5,000 : US$9,000 : €7,500 |
| Dental treatment |
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No cover |
| Emergency medical evacuation & medical repatriation |
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Full cover to nearest medical facility within your area of cover |
| Extended care facility |
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No cover |
| Health Screening |
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No cover |
| Hormone replacement therapy |
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No cover |
| Infertility investigations |
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No cover |
| Maternity cash benefit |
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No cover |
| Organ Transplants |
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No cover |
| Overseas cover |
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Benefits for elective and emergency treatment are fully portable between countries within chosen area of cover. This includes home country cover for all nationalities (except US citizens), as long as home country is within chosen area |
| Personal & total disability benefit |
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No cover |
| Policy excess |
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Standard policy excess of £100 : $180: €150 per condition per year, to a maximum of 10 excesses per person and 20 per family |
| Pre-existing conditions |
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Not covered |
| Pregnancy complications |
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Not covered |
| Presciption drugs, dressings and medicines |
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No cover |
| Rehabilitation |
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No cover |
| Routine maternity cover |
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No cover |
| Sight / vision benefit |
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No cover |
| Stabilisation of acute chronic episode |
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Not covered |
| Well Baby Examination |
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Not covered |
Registration 
