Registration 
| Insurer & Benefits | Find a broker | |||
|---|---|---|---|---|
InternationalProvides comprehensive cover for all in-patient treatment at a medical facility with emergency medical evacuation when needed. Covers all items such as ambulance costs, hospital treatment, evacuation, and home nursing up to 26 weeks. In addition, there is a hospital cash benefit of £250 per night for up to 30 days, if the treatment you are receiving is free of charge.
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 | |
| Not covered | |
| Outside area of cover limit for USA / Canada | |
| Full refund for up to 30 days in anyone policy period. Cover is in respect of emergency conditions and acute episodes of existing covered conditions only | |
| Prosthetic devices | |
| Full refund where surgically required | |
| Psychiatric treatment | |
Full refund - up to 30 days In a registered psychiatric unit of a hospital. All benefits are conditional upon pre-authorisation from Us and all hreatment being administered under the direct control of a registered Psychiatrist |
|
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 | |
| Full refund | |
| Surgical Procedures | |
| Not covered | |
| Vaccinations administered by a medical practitioner | |
| Not covered | |
Key Facts - Additional Benefits | |
| Cash benefit if the treatment is received completely free of charge | |
| £250 : $425 : €f325 per night (when in-patient treatment is provided free of charge - max 30 days per certificate period) | |
| Nursing at home | |
| Full refund (up to 26 weeks pa) | |
| Parental accommodation | |
| Full refund (where an insured child up to the age 17 is in hospital) | |
| Private ambulance | |
| Full refund (Road ambulance only) | |
Additional Benefits | |
| 24 Hour emergency helpline | |
| 24hr / 7 days a week medical information line. A service to answer general queries and provide information on medical issues | |
| Accompanying relative travel & accomodation | |
Accompanying relative travel Reasonable transportation costs only of one other insured person accompanying the patient on an emergency medical evacuation when deemed necessary. Accompanying relative accommodation In-patient stay of one adult accompanying a dependent child up to the age of 17 years. |
|
| AIDS / HIV treatment | |
| Not covered | |
| Alcohol & drug abuse | |
| Not covered | |
| Annual maximum limit | |
| All benefits are covered up to a max aggregate limit of £1,000,000 : $1,700,000 : €1,300,000 per insured person per year | |
| Children covered | |
| 18 (or 23 if in full-time education) | |
| Chinese medicine | |
| Not covered | |
| Chiropractors & Osteopaths | |
| Not covered | |
| Chronic conditions & palliative care | |
| Available within covered benefits | |
| Compassionate home visit | |
| Not covered | |
| Cover for new born children | |
Up to £5,000 : $8,500 : €6,500 20% co-insurance Only applicable when child is insured |
|
| Cremation / burial or repatriation of remains | |
| Full refund up to £7,500 : $12,750 : €9,750 (only applies outside your home country. This benefit is not available to applicants aged 65 or over) | |
| Dental treatment | |
Not covered - Routine dental treatment Full refund - Dental treatment following accident |
|
| Emergency medical evacuation & medical repatriation | |
| Full refund | |
| 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 | |
| Not covered | |
| Overseas cover | |
| Not covered | |
| Personal & total disability benefit | |
| Available through Optional Personal Accident Plan | |
| Policy excess | |
| Standard Policy Excess of £100 each medical condition for out-patient treatment only. Excess can be waived by payment of an additional 20% of the annual premium rate | |
| Pre-existing conditions | |
| Not covered | |
| Pregnancy complications | |
| Not covered | |
| Presciption drugs, dressings and medicines | |
| Not covered | |
| Rehabilitation | |
| £100,000 : $170,000 : €130,000 lifetime limit | |
| Routine maternity cover | |
| Not covered | |
| Sight / vision benefit | |
| Not covered | |
| Stabilisation of acute chronic episode | |
| Covered subject to the Policy terms and conditions and benefit inner limits and excesses | |
| Well Baby Examination | |
| Not covered | |
| Other benefits | |
Post Hospital Treatment Up to £500 : $850 : €650 when received within 90 days of in-patient treatment |
|
Accident and Emergency Room Services Full refund |
|
| Insurer & Benefits: | Insurers, Featured Insurers |
|---|---|
| Find a broker: | Find a Broker |