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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Major organs £100,000 : $180,000 : €150,000 lifetime limit |
| Outside area of cover limit for USA / Canada |
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Worldwide A&E out of area cover, up to 30 days and £15,000 : $27,000 : €22,500 |
| 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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Homeopathy & Osteopathy treatment Maximum 10 visits as part of the overall annual out-patient limit of £1,500 : $2,700 : €,250 per condition for pre- and post-hospital treatment |
| Diagnostic tests (excluding scans) |
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As part of the overall annual out-patient limit of £1,500 : $2,700 : €2,250 per condition for pre- and post- hospital treatment |
| GP referred consultations |
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Overall limit of £1,500 : $2,700 : €2,250 per condition for pre and post hospital treatment |
| Physiotherapy consultant referred |
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Maximum 10 visits as part of the overall limit of £1,500 : $2,700 : €2,250 |
| Physiotherapy GP referred |
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Maximum 10 visits as part of the overall limit of £1,500 : $2,700 : €2,250 |
| 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 30 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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Full cover |
| 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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Osteopaths only: maximum 10 visits as part of the overall out-patient limit of £1,500 : US$2,700 : €2,250 per condition, for pre- and post-hospital treatment |
| Chronic conditions & palliative care |
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No cover |
| Compassionate home visit |
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Up to £1,000 : US$1,800 : €1,500 |
| Cover for new born children |
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£5,000 : US$9,000 : €7,500 must enrol on parents cover within 31 days |
| 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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Full cover for emergency In or day-patient treatment |
| Emergency medical evacuation & medical repatriation |
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Full cover to home country, country of choice or nearest medical facility within your area of cover |
| Extended care facility |
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Full cover up to 6 months |
| 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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£100,000 : $180,000 : €150,000 lifetime limit |
| 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 5 excesses per person and 10 per family |
| Pre-existing conditions |
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Up to £1,500 : $2,700 : €2,250 per year, and up to lifetime limit of £15,000 : $27,000 : €22,500 following 24 months continuous membership - regardless of any symptoms or even treatment during that period |
| Pregnancy complications |
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Up to £5,000 : $9,000 : €7,500 |
| Presciption drugs, dressings and medicines |
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Included within overall limit of £1,500 : US$2,700 : €2,250 per condition for pre and post hospital treatment |
| Rehabilitation |
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Full cover up to 30 days |
| 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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Up to £5,000 : $9,000 : €7,500 |
| Well Baby Examination |
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No cover |
Registration 
