A: There are four GlobalSelect^® sub-plans to choose from and a range of voluntary medical excess options. We offer you a wide choice of health insurance covers to suit your individual needs and budget, all of which give you the freedom to choose where you are treated within your selected geographical area of cover.

When you apply for any of the GlobalSelect sub-plans, you can also choose to apply for a range of valuable additional covers at the same time including:

• Global Personal Accident Plan
• Global Daily Indemnity Hospital Income Plan

The four sub-plans are detailed below.

The GlobalSelect HeadStart sub-plan is very affordable, 'entry level' medical insurance designed to get you to see a consultant or specialist privately and quickly - whether before or after hospital admission, or following out-patient surgery.

• Allows you to receive the private in-patient treatment you need, when you need it, as well as out-patient surgery, cancer tests and MRI/CT scans
• Includes emergency evacuation and repatriation to the nearest medical facility within your geographic area of cover
• “Go private” and avoid having to suffer unnecessary or long waiting lists

The GlobalSelect Basic^SM sub-plan is affordable and effective medical insurance that gives you higher limits and more sections of cover than HeadStart. As well as in-patient treatment, out-patient surgery, cancer tests and MRI/CT scans, the Basic sub-plan provides a wide range of additional covers including:

• Family doctor fees, treatment, referrals and prescribed medicines relating to pre- and post-hospital treatment
• Major organ transplant
• Physiotherapy
• Homeopathic and osteopathic treatments
• Home nursing
• Compassionate visits
• Stabilisation of an acute episode of a chronic medical condition

Limited worldwide accident and emergency cover is also available under the Basic sub-plan if you travel outside your geographic area of cover. What's more, if declared and accepted, limited cover can even be included for pre-existing medical conditions following 24 months of continuous cover under the GlobalSelect plan.

The GlobalSelect Standard^SM sub-plan offers significantly wider and increased benefits compared with the Basic sub-plan, with extensive cover for family doctor treatment and prescribed medicines, including additional benefits for:

• Complementary medical treatment
• AIDS/HIV treatment
• Hormone Replacement Therapy (early onset)
• Rehabilitation and Hospice Care
• Psychiatric treatment
• Annual health and wellness check ups for adults and children

Cover is also available for declared and accepted pre-existing conditions and ongoing chronic and palliative treatment, after 24 months of continuous cover. You can elect to have eligible treatment in the USA within our network of providers.

New and valuable sections of cover include: Out-of-Country Legal Expenses and Out-of-Country Car Rental Loss/Damage Waiver cover for trips of up to 31 days outside of your country of residence, if you are 21-74 years of age.*

*Out-of-Country Car Rental Insurance is separately underwritten from the medical insurance under the GlobalSelect plan and is not insured by Sirius International. Separate policy documentation will be issued at time of purchase which will also identify the insurance company.

The GlobalSelect Executive^SM sub-plan offers you some of the highest limits of cover and the widest range of premier international medical insurance covers available anywhere in the world. The Executive sub-plan provides all the covers above and more including:

• Vision contribution benefit
• Routine dental treatment (after six months continuous cover)
• Restorative dental treatment (after 12 months continuous cover)
• An extensive range of maternity covers (after 12 months continuous cover)
• Extended Out-of-Country Car Rental Insurance as above for trips of up to 31 days
  • Includes Supplemental Liability Insurance, Hit & Run, Uninsured and Under Insured Motorists
  • This is a highly valuable benefit if you rent a car on business or pleasure outside your Country of Residence
  • Must be 21-74 years of age.

*Extended Out-of-Country Car Rental Insurance is separately underwritten from the medical insurance under the GlobalSelect plan and is not insured by Sirius International. Separate policy documentation will be issued at time of purchase which will also identify the insurance company.