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 | |
| Up to £300,000 per year | |
| Outside area of cover limit for USA / Canada | |
| Up to £50,000 for emergency medical treatment outside of your chosen area of cover | |
| Prosthetic devices | |
| Full refund | |
| Psychiatric treatment | |
| Full refund (after 10 month waiting period) max 28 days | |
Key Facts - Out-patient Charges | |
| Complementary medicine | |
| Full refund | |
| Diagnostic tests (excluding scans) | |
| Full refund | |
| GP referred consultations | |
| Full refund | |
| Physiotherapy consultant referred | |
| Full refund only when referred by a medical practitioner, consultant or specialist | |
| Physiotherapy GP referred | |
| Full refund only when referred by a medical practitioner, consultant or specialist | |
| Psychiatric cover | |
| Up to £2,000 (after 12 months waiting period) | |
| Radiotherapy / Chemotherapy | |
| Full refund | |
| Scans - MRI / CT / PET | |
| Full refund | |
| Surgical Procedures | |
| Full refund | |
| Vaccinations administered by a medical practitioner | |
| Up to £300 for routine health checks, including vaccinations | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £100 per night up to 50 nightsd for In-patient cash benefit (per night at non-charging hospital) | |
| Nursing at home | |
| Up to £3,500 (immediately following or instead of an in-patient) | |
| Parental accommodation | |
| Full refund for accommodation for one parent staying with insured child 16 or under | |
| Private ambulance | |
| Full refund for local ambulance | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| 24 hour 365 days a year | |
| Accompanying relative travel & accomodation | |
| Full refund for medical repatriation to home country including cost of insured persons dependent(s) or close business colleague to accompany them, to include economy class air fare and accommodation | |
| AIDS / HIV treatment | |
| Not covered | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| Maximum Annual Plan Benefit £2,000,000 | |
| Children covered | |
| Dependent children will be removed from this Policy at the expiry date of the Policy period during which their 21st birthday falls (or 25 if they are in full-time education). They will be invited to start their own independent Policy. | |
| Chinese medicine | |
| Full refund | |
| Chiropractors & Osteopaths | |
| Full refund | |
| Chronic conditions & palliative care | |
| Up to £50,000 life time limit for Chronic medical conditions inc maintenance, palliative treatment, drugs/dressings | |
| Compassionate home visit | |
| Full refund for compassionate emergency visit costs incurred by an insured person for an economy class return airfare attained age of 70 years, in the event of a medical condition that results in that close family member being placed on a critical list, or his/her death. Limited to one return journey per insured per plan year | |
| Cover for new born children | |
| Full refund for new born accommodation when staying in hospital with mother (Only available to Female members who are aged between 18 and 44. Cover only becomes available for treatment received 11 months after the Policy inception.) | |
| Cremation / burial or repatriation of remains | |
| Full refund for repatriation of mortal remains | |
| Dental treatment | |
Emergency in/day-patient dental treatment for accidental damage to natural teeth Up to £3,000 annual maximum of out-patient dental Dental treatment including surgery covered up to 75% of the max benefit Emergency out-patient dental treatment covered up to 75% of the max benefit Orthodontic treatment* covered up to 75% of the max benefit (*12 month waiting period and only available to members under 18 years of age) |
|
| Emergency medical evacuation & medical repatriation | |
| Full refund | |
| Extended care facility | |
| Not covered | |
| Health Screening | |
| Up to £300 for routine health checks, including vaccinations | |
| Hormone replacement therapy | |
| Up to £250 per year for HRT | |
| Infertility investigations | |
| Not covered | |
| Maternity cash benefit | |
| Not covered | |
| Overseas cover | |
| Not covered | |
| Personal & total disability benefit | |
| Not covered | |
| Policy excess | |
| Available | |
| Pre-existing conditions | |
| Not covered | |
| Pregnancy complications | |
| Up to £10,000 for complications in pregnancy or childbirth (12 month waiting period applies) | |
| Presciption drugs, dressings and medicines | |
| Not covered | |
| Rehabilitation | |
| Not covered | |
| Routine maternity cover | |
| Up to £7,500 for routine maternity (Only available to Female members who are aged between 18 and 44. Cover only becomes available for treatment received 11 months after the Policy inception) | |
| Sight / vision benefit | |
| Not covered | |
| Stabilisation of acute chronic episode | |
| Not covered | |
| Other benefits | |
Up to £50,000 for terminal illness hospice care and palliative treatment, following diagnosis Up to £10,000 for death in the event of an accident |
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| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |