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 | |
| Surgeon / Consultant / Specialist & Anaesthetists fees | |
| Full refund | |
| Physicians fees & diagnostic tests | |
| Full refund | |
| Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
| Full refund | |
| Organ transplant | |
| Major Organs £200,000 : $300,000 : €240,000 | |
| Outside area of cover limit for USA / Canada | |
| Up to 6 weeks per trip to maximum of 42 nights each year £50,000 : $75,000 : €60,000 | |
| Prosthetic devices | |
| Not covered | |
| Psychiatric treatment | |
| Limited to 30 days each year | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| £3,000 : $4,500 : €3,600 pa | |
| Diagnostic tests (excluding scans) | |
| Full refund | |
| GP referred consultations | |
| Full refund | |
| Physiotherapy consultant referred | |
| £3,000 : $4,500 : €3,600 pa | |
| Physiotherapy GP referred | |
| £3,000 : $4,500 : €3,600 pa | |
| Psychiatric cover | |
| £5,000 : $7,500 : €6,000 pa | |
| Radiotherapy / Chemotherapy | |
| Oncology - Full refund up to policy limits | |
| Scans - MRI / CT / PET | |
| No annual maximum within policy benefit limit | |
| Surgical Procedures | |
| No annual maximum within policy benefit limit | |
| Vaccinations administered by a medical practitioner | |
| £500 : $750 : €600 within wellbeing benefit | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £200 : $300 : €240 per night (up to maximum of 42 nights pa) | |
| Nursing at home | |
| Full refund on Specialist recommendation (limited to 26 weeks pa) | |
| Parental accommodation | |
| Full refund | |
| Private ambulance | |
| Full refund | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| Included | |
| Accompanying relative travel & accomodation | |
| Full refund (where Evacuation Benefit chosen) | |
| AIDS / HIV treatment | |
| Full refund | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| £2,500,000 : $3,750,000 : €3,000,000 | |
| Children covered | |
| 24 years | |
| Chinese medicine | |
| £500 : $750 : €600 pa | |
| Chiropractors & Osteopaths | |
| Up to £3,000 : $4,500 : €3,600 pa (from out-patient benefit) on recommendation by medical practitioner or Specialist | |
| Chronic conditions & palliative care | |
| Full refund for treatment of acute episodes of chronic conditions | |
| Compassionate home visit | |
| Not covered | |
| Cover for new born children | |
Premature Births : £10,000 : $15,000 : €12,000 first 30 days Congenital Illness : £100,000 : $150,000 : €120,000 |
|
| Cremation / burial or repatriation of remains | |
| Up to £5,000 : US$9,000 : €7,500 | |
| Provided the evacuation option has been taken | |
| Dental treatment | |
| Optional extra. Routine dentistry covered up to sectional limits. Accidental damage, if treatment received within 5 days. Specified Dental procedures / treatments up to sectional limits. Dental surgery full refund | |
| Emergency medical evacuation & medical repatriation | |
| Full refund optional extra when taken | |
| Extended care facility | |
| Not covered | |
| Health Screening | |
| £500 : $750 : €600 pa | |
| Hormone replacement therapy | |
| Full refund | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| Not covered | |
| Overseas cover | |
| Full refund | |
| Personal & total disability benefit | |
| Not covered | |
| Policy excess | |
| Standard Policy Excess of £150 : €225 : US$280 each medical condition for in-patient and out-patient treatment only. choice of excess levels between £Nil and £7,500 | |
| Pre-existing conditions | |
| Not covered | |
| Pregnancy complications | |
| Full refund | |
| Presciption drugs, dressings and medicines | |
| Full refund | |
| Rehabilitation | |
| Full refund | |
| Routine maternity cover | |
Choice of FOUR routine pregnancy & Childbirth options 1. £3,000 : $4,500 : €3,600 2. £5,000 : $7,500 : €6,000 3. £7,500 : $11,250 : €9,000 4. £10,000 : $15,000 : €12,000 |
|
| Sight / vision benefit | |
| £130 : $195 : €156 pa | |
| Stabilisation of acute chronic episode | |
| Full cover | |
| Other benefits | |
FREE membership of the Blood Care Foundation - providing screened blood worldwide for emergency blood transfusions Innocent Bystander Cover : Full Refund Hazadous Activities Cover ALC World : member restricted comprehensive online database covering information on doctors, hospitals and medical facilities in over 180 countries worldwide Online policy and claims management service |
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| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |