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AXA PPP International - IHP - Prestige Plus

International Health Plan - Prestige Plus


The International Health Plan policy offers you cover for necessary treatment of new medical
conditions that arise after you join. It does not cover you for treatment of medical conditions that
existed, or you had symptoms of before joining. However, in some circumstances you may have
joined on a different basis, please refer to the ‘Existing medical conditions’ section for further
information.
Your cover includes:
tomography (PET) scans
cover for chronic conditions
and complementary practitioner charges

Benefits

Ship to Shore Cash benefit All Yes No

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
No annual maximum within your overall policy benefit allowance
Surgeon / Consultant / Specialist & Anaesthetists fees
No annual maximum within your overall policy benefit allowance
Physicians fees & diagnostic tests
No annual maximum within your overall policy benefit allowance
Cancer Treatment Costs - Chemotherapy / Radiotherapy
No annual maximum within your overall policy benefit allowance
Organ transplant
Reasonable costs for a live donor to donate an organ or tissue provided that operations are carried out simultaneously, donor is an immediate relative or both are members of AXA PPP International
Outside area of cover limit for USA / Canada
Up to ten weeks treatment in any year, up to a total of £30,000 : $48,000 : €38,250
Prosthetic devices
Up to £3,500 : £5,600 : €4,450 for Spinal supports, knee braces and aircasts.
Psychiatric treatment
No annual maximum within your overall policy benefit allowance In-patient treatment 100 days maximum per lifetime

Key Facts - Out-patient Charges

Complementary medicine
Paid in full up to a maximum of 35 sessions per year within your policy benefit allowance
Diagnostic tests (excluding scans)
No annual maximum within your overall policy benefit allowance
GP referred consultations
No annual maximum within your overall policy benefit allowance.
Physiotherapy consultant referred
Paid in full up to a maximum of 35 sessions per year within your policy benefit allowance
Physiotherapy GP referred
Paid in full up to a maximum of 35 sessions per year within your policy benefit allowance
Psychiatric cover
Paid in full up to a maximum of 30 sessions per year within your policy benefit allowance.
Radiotherapy / Chemotherapy
No annual maximum within your overall policy benefit allowance
Scans - MRI / CT / PET
No annual maximum within your overall policy benefit allowance
Surgical Procedures
No annual maximum within your overall policy benefit allowance
Vaccinations administered by a medical practitioner
Up to £500 : $800 : €635 vaccinations and their administration by a medical practitioner or nurse.

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge
Day-patient and out-patient radiotherapy and chemotherapy £150 : $240 : €190 per day (up to £5,000 : $8,000 : €6,000 per year)
£150 : $240 : €190 a night for admission for eligible in-patient treatment before midnight
Nursing at home
Paid in full up to 28 days a year whilst in your principal country of residence or within your area, for treatment provided at home or another clinically appropriate setting for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient or day-patient treatment
Parental accommodation
Paid in full provided treatment is in your principal country of residence or within your area (staying with a child under 18 years old) Child must be covered by the policy
Private ambulance
Up to £700 : $1,120 : €890 each year to pay for a road ambulance, or reasonable costs for an air ambulance if appropriate, for emergency transport to or between hospitals, or when the medical practitioner says it is medically essential

Additional Benefits

24 Hour emergency helpline
1) Health at Hand telephone based information service.
2) Emergency evacuation or repatriation service.
3) Customer Services helpline available 24/7
Accompanying relative travel & accomodation
The evacuation or repatriation service can cover reasonable and necessary transport and accommodation for a relative if the member is under 18 or it is appropriate for the medical condition.
AIDS / HIV treatment
Up to £40,000 : $64,000 : €51,000 pa for HIV/AIDS cover including antiretroviral treatment (ART)
Alcohol & drug abuse
No cover
Annual maximum limit
£3,000,000 : $4,800,000 : €3,825,000 pa
Children covered
Policyholder's unmarried children up to the age of 25
Chinese medicine
Up to £100 : $160 : €125 per session for chinese herbal medicine. Up to a maximum of 15 sessions per year within your policy benefit allowance
Chiropractors & Osteopaths
Paid in full up to 35 complementary practitioner sessions per year within your policy benefit allowance.
Chronic conditions & palliative care
Treatment of an acute condition and ongoing, recurrent or long-term treatment of any chronic condition (subject to all other benefit limitations and exclusions on your policy) up to a maximum of 120 days per admission as an in-patient for any medical condition. Palliative care for any condition, paid in full for up to 30 days each year
Compassionate home visit
No cover
Cover for new born children
No cover
Cremation / burial or repatriation of remains
Paid in full for bringing the body back to a port or airport in principal country of residence or home country when arrangements are made by us
Dental treatment
Routine Dental Care - 80% of the costs incurred up to a maximum amount of £3,500 : $5,600 : €4,450 in a year
Accidental damage to teeth - paid in full up to £10,000 : $16,000 : €12,750 for each year
Emergency medical evacuation & medical repatriation
Paid in full when arrangements made by us
Extended care facility
No cover
Health Screening
Up to £400 : $640 : €510 towards one health screen each year
Hormone replacement therapy
Hormone replacement therapy (HRT) only when it is medically indicated for the treatment of menopause resulting from medical intervention, when we will pay for the medical practitioner’s consultations and for the cost of the implants (but not patches or tablets). We will only pay benefits for a maximum of 18 months from the date of the medical intervention.
Infertility investigations
No cover
Maternity cash benefit
No cover
Organ Transplants
Reasonable costs for a live donor to donate an organ or tissue provided that operations are carried out simultaneously, donor is an immediate relative or both are members of AXA PPP International
Overseas cover
Cover for in-patient or day-patient treatment of a medical condition. Up to 10 weeks out of area cover up to a total of £30,000 : $48,000 : €38,250 if you do not have the USA upgrade
Personal & total disability benefit
Up to £100,000 : $160,000 : €127,500 disability compensation cover
Policy excess
Five levels of optional excess of up to £2,000 : $3,200 : €2,550 per person per year. Excess does not apply to cash benefit, evacuation or repatriation service, dental care, radiotherapy and chemotherpay cash benefit and purchase of wigs
Pre-existing conditions
No cover unless joined on a medical history disregarded basis.
Pregnancy complications
we would consider treatment of the following:
• ectopic pregnancy (where the foetus is growing outside the womb)
• hydatidiform mole (abnormal cell growth in the womb)
• retained placenta (afterbirth retained in the womb)
• placenta praevia
• eclampsia (a coma or seizure during pregnancy and following pre-eclampsia)
• diabetes (if you have exclusions because of your past medical history which relate to diabetes, then you will not be covered for any treatment for diabetes during pregnancy)
• post partum haemorrhage (heavy bleeding in the hours and days immediately after childbirth)
• miscarriage requiring immediate surgical treatment
• failure to progress in labour.
Presciption drugs, dressings and medicines
Paid in full within your policy benefit allowance
Rehabilitation
In-patient rehabilitation up to 28 days when an integral part of treatment - certain conditions apply, all cost are required to be pre-authorised. We will extend in-patient rehabilitation to a maximum of 180 days in cases of severe central nervous system damage caused by an external trauma
Routine maternity cover
Paid in full up to £12,000 : $19,200 : €15,300 for In-patient or out-patient antenatal and postnatal consultations and delivery. 10 months eligibility.
Sight / vision benefit
Paid in full for one eye test each year plus up to £200 : $320 : €255 towards the cost of prescription spectacles and contact lenses
Stabilisation of acute chronic episode
Paid in full for ongoing, recurrent or long-term treatment of any chronic condition up to a maximum of 120 per admission as an in-patient for any medical condition
Well Baby Examination
No cover
Other benefits
Kidney dialysis up to £75,000 : $120,000 : €95,625 pa. This is for ongoing dialysis in the case of chronic kidney failure. Plus kidney dialysis for up to the six weeks during preparation for kidney transplant
£150 : $240 : €190 pa towards the purchase of wigs during your active treatment of cancer
MyGlobe offers easy access to a global provider search tool as well as country by country health and security updates
Customer online allows members to view their policy and submit and view claims online
Security hotline 24/7 telephone information service providing security intelligence to all members
Personal Case Management
For all members who are diagnosed with a serious illness, this service guarantees impartial advice on the most appropriate treatment plan.
International Travel Plan included
Ship to Shore Cash benefit - Yes
Ship to shore cash benefit
Covering the cost of emergency evacuation if one of our members falls seriously ill at sea. Up to £25,000 : $40,000 : €32,000
 
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