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 £200,000 : $360,000 : €300,000 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 maximum 20 visits up to £2,500 : $4,500 : €3,750 (stand-alone limit). Plus Acupuncture, Herbal, Aromatherapy, Chiropractic and various other treatments Up to £2,500 : $4,500 : €3,750 |
| Diagnostic tests (excluding scans) |
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Full cover |
| GP referred consultations |
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Full cover |
| Physiotherapy consultant referred |
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Maximum 20 visits up to £2,500 : $4,500 : €3,750 |
| Physiotherapy GP referred |
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Maximum 20 visits up to £2,500 : $4,500 : €3,750 |
| 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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£200 : $360 : &€300 per night maximum 60 nights |
| Nursing at home |
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Up to £75 : $135 : €115 per night maximum 60 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 £20,000 : $36,000 : &€30,000 |
| Alcohol & drug abuse |
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No cover |
| Annual maximum limit |
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£5M : $9m : €7.5m |
| Children covered |
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Up to age 18 |
| Chinese medicine |
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When referred by a GP, up to £2,500 : $4,500 : €3,750 (with Chiropractic, Herbal and various other complementary treatments) |
| Chiropractors & Osteopaths |
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Up to £2,500 : $4,500 : €3,750 for Osteopathic, Homeopathic and Physiotherapy (to maximum 20 visits). Chiropractic to £2,500; $4,500; €3,750 with Acupuncture and various other complementary treatments |
| Chronic conditions & palliative care |
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Included in pre-existing conditions Limit of up to £3,000 : US$5,400 : €4,500 with lifetime limit of £30,000 : US$54,000 : €45,000 following 24 months continuous membership - regardless of any symptoms or even treatment during that period |
| 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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£25,000 : US$45,000 : €37,500 must enrol on parents cover within 31 days |
| Cremation / burial or repatriation of remains |
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Up to £10,000 : US$18,000 : €15,000 |
| Dental treatment |
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Full cover for emergency treatment (in-patient and day-patient). Full cover for out-patient accidental damage + up to £250 : US$450 : €375 for emergency out-patient. Also, Up to £400 : US$720 : €600 for routine out-patient treatment - after 180 days cover. Also Up to £750 : US$1,350 : €1,125 for major restorative treatment subject to 50% Co-Insurance contribution - after 12 months cover |
| 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 £250 : US$450 : €375 |
| 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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£100 : $180 : €150 |
| 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 £25 : $45 : €38 per condition per year, to a maximum of 10 excesses per person and 20 per family |
| Pre-existing conditions |
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Up to £3,000 : US$5,400 : €4,500 with lifetime limit of £30,000 : US$54,000 : €45,000 following 24 months continuous membership - regardless of symptoms or even treatment during that period |
| Pregnancy complications |
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Full cover |
| Presciption drugs, dressings and medicines |
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Full cover |
| Rehabilitation |
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Full cover up to 180 days |
| Routine maternity cover |
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Up to £5,000 : US$9,000 : €7,500 subject to 20% Co-Insurance Contribution + Up to £150 : US$270 : €225 new born baby examination (Fully Insured) |
| Sight / vision benefit |
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£200 : $360 : €300 subject to 50% co-insurance contribution |
| Stabilisation of acute chronic episode |
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Full cover |
Registration 
