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 60 days and £20,000 : $36,000 : €30,000, in addition, and uniquely, where area of cover does NOT include USA, the insured can have elective treatment in the USA (within provider Network) up to £500,000 : $900,000 : €750,000 Subject to 20% Co-Insurance contribution |
| Prosthetic devices |
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Full 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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Physiotherapy Homeopathy & Osteopathy treatment mximum 15 visits as part of the overall out-patient limit of £5,000 : $9,000 : &€7,500 Plus Acupuncture, Chiropractic and various other treatments up to £500 : $900 : €750 |
| Diagnostic tests (excluding scans) |
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Up to an overall out-patient limit of £5,000 : US$9,000 : €7,500 each year |
| GP referred consultations |
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Up to an overall out-patient limit of £5,000 : US$9,000 : €7,500 each year |
| Physiotherapy consultant referred |
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Physiotherapy (with Homeopathy & Osteopathy) up to maximum 15 visits as part of the out-patient limit of £5,000 : $9,000 : €7,500 |
| Physiotherapy GP referred |
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Physiotherapy (with Homeopathy & Osteopathy) up to maximum 15 visits as part of the out-patient limit of £5,000 : $9,000 : €7,500 |
| Psychiatric cover |
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Up to £2,500 : $4,500 : €3,750 after 12 months continuous 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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£150 : $270 : €225 per night (Max 60 nights per period of cover) |
| Nursing at home |
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Up to £75 : $135 : €115 per night maximum 45 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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Up to £5,000 : $9,000 : €7,500 and up to lifetime limit of £10,000 : $18,000 : €15,000 |
| Alcohol & drug abuse |
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No cover |
| Annual maximum limit |
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£1.5m : $2.7m : €2.25m |
| Children covered |
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Up to age 18 |
| Chinese medicine |
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When referred by a GP, up to £500 : $900 : €750 (with Chiropractic, Herbal and various other complementary treatments) |
| Chiropractors & Osteopaths |
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Chiropractors up to £500 : $900 : €750 (with Herbal, Chinese and other complementary treatments - see above). Osteopaths, with Physiotherapy and Homeopathy, maximum 15 visits as part of overall £5,000 : $9,000 : €7,500 limit |
| Chronic conditions & palliative care |
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Included in pre-existing conditions limit of up to £2,000 : US$3,600 : €3,000 with lifetime limit of £20,000 : US$36,000 : €30,000 following 24 months continuous membership - regardless of symptoms or treatment to those conditions during that time |
| Compassionate home visit |
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Up to £1,500 : US$2,700 : €2,250 |
| Cover for new born children |
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£10,000 : US$18,000 : €15,000 must enroll on parents cover within 31 days |
| Cremation / burial or repatriation of remains |
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Up to £7,500 : US$13,500 : €11,250 |
| Dental treatment |
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Full cover for emergency treatment (in-patient or day patient). For accidental damage, out-patient treatment, up to £250 : US$450 : €375 |
| 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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Adult & Child up to £150 : US$270 : €225 |
| Hormone replacement therapy |
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Full cover 18 month limit lifetime |
| 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 £50 : $90 : €75 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 £2,000 : US$3,600 : €3,000 with lifetime limit of £20,000 : US$36,000 : €30,000 following 24 months continuous membership - regardless of symptoms or even treatment during that period |
| Pregnancy complications |
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Up to £10,000 : $18,000 : €15,000 |
| Presciption drugs, dressings and medicines |
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Up to an overall out-patient limit of £5,000 : US$9,000 : €8,000 each year |
| Rehabilitation |
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Full cover up to 90 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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Full cover |
| Well Baby Examination |
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No cover |
Registration 
