Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
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 £200,000 : $340,000 : €300,000 |
|
| Outside area of cover limit for USA / Canada | |
| Emergency medical treatment outside area limited to six weeks, up to £40,000 : $68,500 : €60,000 | |
| 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 | |
| Up to £1,000 : $1,700 : €1,500 for Acupuncture, Chiropractic, Homeopathy and Osteopathy | |
| Diagnostic tests (excluding scans) | |
| Full refund | |
| GP referred consultations | |
| Full refund | |
| Physiotherapy consultant referred | |
| Full refund | |
| Physiotherapy GP referred | |
| Full refund | |
| Psychiatric cover | |
| Up to £500 : $850 : €750 | |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full refund | |
| Surgical Procedures | |
| Full refund | |
| Vaccinations administered by a medical practitioner | |
| As part of the prescription drugs benefit of up to £5,000 : $8.500 : €7,500 (These limits do not apply to the treatment of cancer) | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £500 : $850 : €750 each night | |
| Nursing at home | |
| Up to £10,000 : $17,000 : €15,000 | |
| 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 | |
| Compassionate lump sum if AIDS is diagnosed one £10,000 : $17,000 : €15,000 in your lifetime | |
| Alcohol & drug abuse | |
| Up to £10,000 : $17,000 : €15,000 over your lifetime | |
| Annual maximum limit | |
| £5,000,000 : $8,500,000 : €7,500,000 | |
| 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 | |
| Covered within complementary medicine and treatment limit - up to £1,000 : $1,700 : €1,500 | |
| 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 | |
| Full refund following an accident or routine up to £750 : $1,275 : €1,125 (£50 : $85 : €75 excess applies to each course of treatment) | |
| 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 | |
| Up to £500 : $850 : €750 for one medical examination, every 2 years. This benefit is only available to adult members who have maintained 2 years of continuous cover | |
| Hormone replacement therapy | |
| As part of the prescription drugs benefit of up to £5,000 : $8.500 : €7,500 (These limits do not apply to the treatment of cancer) | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| Not covered | |
| Organ Transplants | |
Vital Organs heart, kidney, liver, heart and lung transplants £200,000 : $340,000 : €300,000 |
|
| Overseas cover | |
| Emergency medical treatment outside area limited to six weeks, up to £40,000 : $68,500 : €60,000 | |
| 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 | |
| Up to £12,000 : $20,400 : €18,000 provided the mother has been a member for a continuous period for at least ten months. No benefit is payable for the first ten month of cover. | |
| Presciption drugs, dressings and medicines | |
| As part of the prescription drugs benefit of up to £5,000 : $8.500 : €7,500 (These limits do not apply to the treatment of cancer) | |
| Rehabilitation | |
| As an alternative to post acute care up to 14 days cover | |
| Routine maternity cover | |
| Up to £6,000 : $10,200 : €9,000 provided the mother has been a member for a continuous period of at least 10 months. An elective Caesarean section is covered under this benefit subject to all usual customary and reasonable costs of a vaginal delivery. | |
| 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 |