IR - Allianz Worldwide Care

Allianz Worldwide Care - Essential

Allianz Worldwide Care
Essential Individual

has a range of quality International Healthcare Plans with comprehensive cover to suit your needs. We offer our clients a selection of Core Plans, which cover a wide range of in-patient and day-care treatments as well as other benefits such as medical evacuation, emergency out-patient treatment and nursing at home.

These Core Plans can be supplemented by a range of plans such as Out-patient, Maternity, Dental and Repatriation to provide you with more comprehensive cover. We also have an optional Out-patient deductible that you can choose which reduces your Out-patient Plan premium.

Benefits

Out-patient plans can be purchased with any of the Core Plans
Out-Patient Plans	All Gold Silver Bronze Crystal No
Dental Plan can be purchased with any of the Core Plans
Dental Plan	All Plan 1 Plan 2 No
The following plan can be purchased with any of the Core Plans
Medical repatriation	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Semi private room / Full refund
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Organ transplant
	£7,330 : €10,000 : $14,000 : CHF15,000
Outside area of cover limit for USA / Canada
	Up to £60.00 : $96.00 : €90.00 per night If the companion is required to stay with the insured person we will pay towards their hotel accommodation. This benefit is limited to 15 nights accommodation during any one period of cover
Prosthetic devices
	Full refund
Psychiatric treatment
	Covered up to £3,650 : €5,000 : $7,100 : CHF7,500 (10 month waiting period applies)
Key Facts - Out-patient Charges
Complementary medicine
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Diagnostic tests (excluding scans)
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - Full Refund (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
GP referred consultations
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Physiotherapy consultant referred
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Physiotherapy GP referred
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Psychiatric cover
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold or Silver)
Out-Patient Plans - Gold	Gold - 30 visits (18 month waiting period applies)
Out-Patient Plans - Silver	Silver - 20 visits (18 month waiting period applies - up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF 13,500)
Out-Patient Plans - Bronze	Bronze - N/A
Out-Patient Plans - Crystal	Crystal - N/A
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund
Surgical Procedures
	Full refund
Vaccinations administered by a medical practitioner
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver or Bronze)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - N/A
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	£110 : €150 : $210 : CHF225 per night (max. 25 nights)
Nursing at home
	£1,830 : €2,500 : $3,550 : CHF3,750 (immediately after or instead of hospitalisation); stay in a convalescent home also covered
Parental accommodation
	Full refund (for one parent staying in hospital with an insured child under 18 years)
Private ambulance
	£365 : €500 : $710 : CHF750 (local road ambulance service only)
Additional Benefits
24 Hour emergency helpline
	24hr / 7 days a week
Accompanying relative travel & accomodation
	Expenses for one person accompanying an evacuated/repatriated person £2,200 : €3,000 : $4,250 : CHF4,500
AIDS / HIV treatment
	Treatment covered
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£365,000 : €500,000 : $710,000 : CHF750,000
Children covered
	Up to the day before their 18th birthday, or up to the day before their 24th birthday if in full-time education
Chinese medicine
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Chinese herbal medicine and acupuncture - Full refund
Out-Patient Plans - Silver	Silver - Chinese herbal medicine and acupuncture - Full refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - Chinese herbal medicine and acupuncture - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - Chinese herbal medicine and acupuncture - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Chiropractors & Osteopaths
	Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)
Out-Patient Plans - Gold	Gold - Full refund
Out-Patient Plans - Silver	Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)
Out-Patient Plans - Crystal	Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)
Chronic conditions & palliative care
	Chronic conditions are covered within the limits of the plan unless indicated otherwise in the table of benefits or the insurance certificate. However, pre-existing chronic conditions are not covered unless declared on the application form and accepted by us in writing
	Palliative Care - Full refund (max. 30 days per lifetime)
Compassionate home visit
	Not covered
Cover for new born children
	Newborn infants (with the exception of multiple birth babies) will be accepted for cover from birth without medical underwriting, provided that we are notified within 4 weeks of the date of birth and that the birth mother has been insured with us for a minimum of 6 continuous months. Notification of the birth after 4 weeks will result in newborn children being underwritten and cover will only commence from the date of acceptance. In-patient treatment for multiple birth babies born as a result of medically assisted reproduction will be covered up to £22,000 : €30,000 : $42,500/CHF45,000 per child for the first 3 months following birth. Out-patient treatment will be covered under the limits of the Out-patient Plan. Please note that all multiple birth babies will be subject to full medical underwriting.
Cremation / burial or repatriation of remains
	Repatriation of Mortal Remains up to £7,330 : €10,000 : $14,000 : CHF15,000
Dental treatment
Dental Plan - Plan 1	Dental Plan 1 - No benefit limit Dental treatment 100% refund Dental surgery 100% refund Periodontics 80% refund Orthodontic treatment and dental prothesis (10 month waiting period applies) 65% refund (up to £3,650 : €5,000 : $7,100 : CHF7,500)
Dental Plan - Plan 2	Dental Plan 2 - Overall max. benefit £1,530 : €2,050 : $2,875 : CHF3,075 Dental treatment 80% refund Dental surgery 80% refund Periodontics 80% refund Orthodontic treatment and dental prothesis (10 month waiting period applies) 50% refund
	Emergency in- or day-patient dental treatment - Full refund (within the overall maximum limit of the core plan £365,000 : €500,000 : $710,000 : CHF750,000)
	Emergency out-patient dental treatment - N/A
Emergency medical evacuation & medical repatriation
	Medical evacuation - Full refund (within the overall maximum limit of the plan £365,000 : €500,000 : $710;000 : CHF750,000)
	Medical repatriation - Optional Repatriation Plan - Full refund
Extended care facility
	Not covered
Health Screening
	Costs for emergency out-patient treatment not covered under core plan, reimbursement of costs within the terms of any separate out-patient plan (Gold or Silver)
Out-Patient Plans - Gold	Gold - £585 : €800 : $1,125 : CHF1,200
Out-Patient Plans - Silver	Silver - £440 : €600 : $850 : CHF900 (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)
Out-Patient Plans - Bronze	Bronze - N/A
Out-Patient Plans - Crystal	Crystal - N/A
Hormone replacement therapy
	Full cover within the terms of the plan
Infertility investigations
Out-Patient Plans - Gold	Gold - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (18 month waiting period applies)
Out-Patient Plans - Silver	Silver - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500 - 18 month waiting period applies)
Out-Patient Plans - Bronze	Bronze - N/A
Out-Patient Plans - Crystal	Crystal - N/A
Maternity cash benefit
	N/A
Overseas cover
	Full refund, max. 42 days, for emergency treatment outside area of cover (for trips of a max period of 6 weeks)
Personal & total disability benefit
	Not covered
Policy excess
	Optional out-patient deductibles No deductible : 0% Discount £75 \|€100\|$140\|CHF150 : 10% Discount £150\|€200\|$280\|CHF300 : 20% Discount
Pre-existing conditions
	Not covered
Pregnancy complications
	N/A
Presciption drugs, dressings and medicines
	Full refund
Rehabilitation
	£1,500 : €2,000 : $2,8000 : CHF3,000 (immediately after acute medical treatment ceases)
Routine maternity cover
	Premier - £5,500 : €7,500 : $10,500 : CHF11,250 per pregnancy (10 months waiting period applies)
	Club - £3,650 : €5,000 : $7,100 : CHF7,500 per pregnancy (10 months waiting period applies)
Sight / vision benefit
Out-Patient Plans - Gold	Gold - £150 : €200 : $280 : CHF300 (prescribed glasses and contact lenses)
Out-Patient Plans - Silver	Silver - £130 : €180 : $250 : CHF270 (prescribed glasses and contact lenses)
Out-Patient Plans - Bronze	Bronze - N/A
Out-Patient Plans - Crystal	Crystal - N/A
Stabilisation of acute chronic episode
	Full refund

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Semi private room / Full refund

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Organ transplant

£7,330 : €10,000 : $14,000 : CHF15,000

Outside area of cover limit for USA / Canada

Up to £60.00 : $96.00 : €90.00 per night
If the companion is required to stay with the insured person we will pay towards their hotel accommodation. This benefit is limited to 15 nights accommodation during any one period of cover

Prosthetic devices

Full refund

Psychiatric treatment

Covered up to £3,650 : €5,000 : $7,100 : CHF7,500 (10 month waiting period applies)

Key Facts - Out-patient Charges

Complementary medicine

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Diagnostic tests (excluding scans)

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - Full Refund (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

GP referred consultations

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - £730 : €1,000 : $1,400 : CHF1,500 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Physiotherapy consultant referred

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Physiotherapy GP referred

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Psychiatric cover

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold or Silver)

Out-Patient Plans - Gold

Gold - 30 visits (18 month waiting period applies)

Out-Patient Plans - Silver

Silver - 20 visits (18 month waiting period applies - up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF 13,500)

Out-Patient Plans - Bronze

Bronze - N/A

Out-Patient Plans - Crystal

Crystal - N/A

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund

Surgical Procedures

Full refund

Vaccinations administered by a medical practitioner

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver or Bronze)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - Full Refund (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - N/A

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

£110 : €150 : $210 : CHF225 per night (max. 25 nights)

Nursing at home

£1,830 : €2,500 : $3,550 : CHF3,750 (immediately after or instead of hospitalisation); stay in a convalescent home also covered

Parental accommodation

Full refund (for one parent staying in hospital with an insured child under 18 years)

Private ambulance

£365 : €500 : $710 : CHF750 (local road ambulance service only)

Additional Benefits

24 Hour emergency helpline

24hr / 7 days a week

Accompanying relative travel & accomodation

Expenses for one person accompanying an evacuated/repatriated person £2,200 : €3,000 : $4,250 : CHF4,500

AIDS / HIV treatment

Treatment covered

Alcohol & drug abuse

Not covered

Annual maximum limit

£365,000 : €500,000 : $710,000 : CHF750,000

Children covered

Up to the day before their 18th birthday, or up to the day before their 24th birthday if in full-time education

Chinese medicine

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Chinese herbal medicine and acupuncture - Full refund

Out-Patient Plans - Silver

Silver - Chinese herbal medicine and acupuncture - Full refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - Chinese herbal medicine and acupuncture - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - Chinese herbal medicine and acupuncture - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Chiropractors & Osteopaths

Costs for emergency out-patient treatment not covered under core plan, reimbursement only with additional out-patient plan (Gold, Silver, Bronze or Crystal)

Out-Patient Plans - Gold

Gold - Full refund

Out-Patient Plans - Silver

Silver - Full Refund (up to overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - £825 : €1,125 : $1,600 : CHF1,688 (up to overall max. out-patient benefit of £3,300 : €4,500 : $6,350 : CHF6,750)

Out-Patient Plans - Crystal

Crystal - £365 : €500 : $710 : CHF750 (up to overall max. out-patient benefit of £1,830 : €2,500 : $3,550 : CHF3,750)

Chronic conditions & palliative care

Chronic conditions are covered within the limits of the plan unless indicated otherwise in the table of benefits or the insurance certificate. However, pre-existing chronic conditions are not covered unless declared on the application form and accepted by us in writing

Palliative Care - Full refund (max. 30 days per lifetime)

Compassionate home visit

Not covered

Cover for new born children

Newborn infants (with the exception of multiple birth babies) will be accepted for cover from birth without medical underwriting, provided that we are notified within 4 weeks of the date of birth and that the birth mother has been insured with us for a minimum of 6 continuous months. Notification of the birth after 4 weeks will result in newborn children being underwritten and cover will only commence from the date of acceptance. In-patient treatment for multiple birth babies born as a result of medically assisted reproduction will be covered up to £22,000 : €30,000 : $42,500/CHF45,000 per child for the first 3 months following birth. Out-patient treatment will be covered under the limits of the Out-patient Plan. Please note that all multiple birth babies will be subject to full medical underwriting.

Cremation / burial or repatriation of remains

Repatriation of Mortal Remains up to £7,330 : €10,000 : $14,000 : CHF15,000

Dental treatment

Dental Plan - Plan 1

Dental Plan 1 - No benefit limit

Dental treatment 100% refund
Dental surgery 100% refund
Periodontics 80% refund
Orthodontic treatment and dental prothesis (10 month waiting period applies) 65% refund (up to £3,650 : €5,000 : $7,100 : CHF7,500)

Dental Plan - Plan 2

Dental Plan 2 - Overall max. benefit £1,530 : €2,050 : $2,875 : CHF3,075

Dental treatment 80% refund
Dental surgery 80% refund
Periodontics 80% refund
Orthodontic treatment and dental prothesis (10 month waiting period applies) 50% refund

Emergency in- or day-patient dental treatment - Full refund (within the overall maximum limit of the core plan £365,000 : €500,000 : $710,000 : CHF750,000)

Emergency out-patient dental treatment - N/A

Emergency medical evacuation & medical repatriation

Medical evacuation - Full refund (within the overall maximum limit of the plan £365,000 : €500,000 : $710;000 : CHF750,000)

Medical repatriation - Optional Repatriation Plan - Full refund

Extended care facility

Not covered

Health Screening

Costs for emergency out-patient treatment not covered under core plan, reimbursement of costs within the terms of any separate out-patient plan (Gold or Silver)

Out-Patient Plans - Gold

Gold - £585 : €800 : $1,125 : CHF1,200

Out-Patient Plans - Silver

Silver - £440 : €600 : $850 : CHF900 (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500)

Out-Patient Plans - Bronze

Bronze - N/A

Out-Patient Plans - Crystal

Crystal - N/A

Hormone replacement therapy

Full cover within the terms of the plan

Infertility investigations

Out-Patient Plans - Gold

Gold - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (18 month waiting period applies)

Out-Patient Plans - Silver

Silver - Up to £8,800 : €12,000 : £17,000 : CHF18,000 per lifetime (part of the overall max. out-patient benefit of £6,600 : €9,000 : $12,700 : CHF13,500 - 18 month waiting period applies)

Out-Patient Plans - Bronze

Bronze - N/A

Out-Patient Plans - Crystal

Crystal - N/A

Maternity cash benefit

N/A

Overseas cover

Full refund, max. 42 days, for emergency treatment outside area of cover (for trips of a max period of 6 weeks)

Personal & total disability benefit

Not covered

Policy excess

Optional out-patient deductibles
No deductible : 0% Discount
£75 |€100|$140|CHF150 : 10% Discount
£150|€200|$280|CHF300 : 20% Discount

Pre-existing conditions

Not covered

Pregnancy complications

N/A

Presciption drugs, dressings and medicines

Full refund

Rehabilitation

£1,500 : €2,000 : $2,8000 : CHF3,000 (immediately after acute medical treatment ceases)

Routine maternity cover

Premier - £5,500 : €7,500 : $10,500 : CHF11,250 per pregnancy (10 months waiting period applies)

Club - £3,650 : €5,000 : $7,100 : CHF7,500 per pregnancy (10 months waiting period applies)

Sight / vision benefit

Out-Patient Plans - Gold

Gold - £150 : €200 : $280 : CHF300 (prescribed glasses and contact lenses)

Out-Patient Plans - Silver

Silver - £130 : €180 : $250 : CHF270 (prescribed glasses and contact lenses)

Out-Patient Plans - Bronze

Bronze - N/A

Out-Patient Plans - Crystal

Crystal - N/A

Stabilisation of acute chronic episode

Full refund


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