Home > Expacare - Group - Standardcare

Expacare - Group - Standardcare

Standardcare offers cover for in-patient hospital treatment with some provision for follow-up out-patient treatment. It covers the more expensive element of any course of treatment which is the in-patient hospital stay, together with the reassurance that if it is necessary to carry out an emergency medical evacuation, cover for this is automatically included in the plan.

Key Benefits:

Overall policy limit of £1,000,000 or $1,700,000 or €1,500,000
Full refund on in-patient hospital and day-patient treatment including treatment for cancer and chronic conditions
Organ transplants covered up to £100,000 or $170,000 or €150,000
Emergency medical evacuation

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund - All in-patient and day-patient treatment claims must be pre-authorised
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Organ transplant
	Vital Organs heart, kidney, liver, heart and lung transplants £100,000 : $170,000 : €150,000
Outside area of cover limit for USA / Canada
	Emergency medical treatment outside area limited to six weeks, up to £20,000 : $34,000 : €30,000
Prosthetic devices
	Full refund where surgically required, limited to non experimental devices. Call to check cover before incurring any costs.
Psychiatric treatment
	Up to an annual limit of 30 days for in-patient treatment
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Not covered
GP referred consultations
	Not covered
Physiotherapy consultant referred
	Not covered
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Not covered
Surgical Procedures
	Full refund
Vaccinations administered by a medical practitioner
	Not covered
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	£100 : $170 : €150 each night
Nursing at home
	Up to £2,500 : $4,250 : €3,750
Parental accommodation
	If your child under 18 is hospitalised and covered under this plan, we will pay the hospital charges for you to stay in hospital with your child
Private ambulance
	Full refund (Where medically necessary. Local road ambulance service only)
Additional Benefits
24 Hour emergency helpline
	Included
Accompanying relative travel & accomodation
	Full refund for travel for an accompanying insured member, if medically necessary
AIDS / HIV treatment
	Not covered
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£1,000,000 : $1,700,000 : €1,500,000
Children covered
	Aged 18 and under (or up to and including the age of 24 if they are in full-time education. They will be removed from cover on the renewal date following their 24th birthday)
Chinese medicine
	Not covered
Chiropractors & Osteopaths
	Not covered
Chronic conditions & palliative care
	Full refund
Compassionate home visit
	Not covered
Cover for new born children
	Treatment for birth defects and congenital illness, maximum of 28 days cover up to £10,000 : $17,000 : €15,000 for new born babies when we have covered birth
Cremation / burial or repatriation of remains
	Up to £7,500 : US$12,750 : €11,250
Dental treatment
	Not covered - Routine dental treatment Full refund - Dental treatment following accident
Emergency medical evacuation & medical repatriation
	Emergency medical evacuation Transport and medical care en-route to the nearest suitable medical facility if you are critically ill, plus travel for an accompanying insured member if medically necessary. Return tickets are included
Extended care facility
	Not covered
Health Screening
	Not covered
Hormone replacement therapy
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Organ Transplants
	Vital Organs heart, kidney, liver, heart and lung transplants £100,000 : $170,000 : €150,000
Overseas cover
	Emergency medical treatment outside area limited to six weeks, up to £20,000 : $34,000 : €30,000
Personal & total disability benefit
	Not covered
Policy excess
	Either £50 : $85 : €75 Excess is payable per person, per medical condition or £500 : $850 : €750 or £1,000 : $850 : €1500 is payable per person, per policy year
Pre-existing conditions
	Covered for schemes with 5 or more employees
Pregnancy complications
	Not covered
Presciption drugs, dressings and medicines
	Not covered
Rehabilitation
	Not covered
Routine maternity cover
	Not covered
Sight / vision benefit
	Not covered
Stabilisation of acute chronic episode
	Full refund
Well Baby Examination
	Not covered

Key Facts - In-patient & Day Case Charges

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

Full refund - All in-patient and day-patient treatment claims must be pre-authorised

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Organ transplant

Vital Organs heart, kidney, liver, heart and lung transplants
£100,000 : $170,000 : €150,000

Outside area of cover limit for USA / Canada

Emergency medical treatment outside area limited to six weeks, up to £20,000 : $34,000 : €30,000

Prosthetic devices

Full refund where surgically required, limited to non experimental devices. Call to check cover before incurring any costs.

Psychiatric treatment

Up to an annual limit of 30 days for in-patient treatment

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Not covered

GP referred consultations

Not covered

Physiotherapy consultant referred

Not covered

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Not covered

Surgical Procedures

Full refund

Vaccinations administered by a medical practitioner

Not covered

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

£100 : $170 : €150 each night

Nursing at home

Up to £2,500 : $4,250 : €3,750

Parental accommodation

If your child under 18 is hospitalised and covered under this plan, we will pay the hospital charges for you to stay in hospital with your child

Private ambulance

Full refund (Where medically necessary. Local road ambulance service only)

Additional Benefits

24 Hour emergency helpline

Included

Accompanying relative travel & accomodation

Full refund for travel for an accompanying insured member, if medically necessary

AIDS / HIV treatment

Not covered

Alcohol & drug abuse

Not covered

Annual maximum limit

£1,000,000 : $1,700,000 : €1,500,000

Children covered

Aged 18 and under (or up to and including the age of 24 if they are
in full-time education. They will be removed from cover on the renewal date following their 24th birthday)

Chinese medicine

Not covered

Chiropractors & Osteopaths

Not covered

Chronic conditions & palliative care

Full refund

Compassionate home visit

Not covered

Cover for new born children

Treatment for birth defects and congenital illness, maximum of 28 days cover up to £10,000 : $17,000 : €15,000 for new born babies when we have covered birth

Cremation / burial or repatriation of remains

Up to £7,500 : US$12,750 : €11,250

Dental treatment

Not covered - Routine dental treatment
Full refund - Dental treatment following accident

Emergency medical evacuation & medical repatriation

Emergency medical evacuation
Transport and medical care en-route to the nearest suitable medical facility if you are critically ill, plus travel for an accompanying insured member if medically necessary. Return tickets are included

Extended care facility

Not covered

Health Screening

Not covered

Hormone replacement therapy

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Organ Transplants

Vital Organs heart, kidney, liver, heart and lung transplants
£100,000 : $170,000 : €150,000

Overseas cover

Emergency medical treatment outside area limited to six weeks, up to £20,000 : $34,000 : €30,000

Personal & total disability benefit

Not covered

Policy excess

Either £50 : $85 : €75 Excess is payable per person, per medical condition or £500 : $850 : €750 or £1,000 : $850 : €1500 is payable per person, per policy year

Pre-existing conditions

Covered for schemes with 5 or more employees

Pregnancy complications

Not covered

Presciption drugs, dressings and medicines

Not covered

Rehabilitation

Not covered

Routine maternity cover

Not covered

Sight / vision benefit

Not covered

Stabilisation of acute chronic episode

Full refund

Well Baby Examination

Not covered


Insurer & Benefits:	Insurers, Featured Insurers
Find a broker:	Find a Broker

ABOUT SSL CERTIFICATES