| Plan Information & Highlights |
|
Plan Maximum Limit Options–per insured person, per period of insurance
|
£1,000,000 / €1,000,000 / $1,000,000
| |
Excess – per insured person, per period of insurance
|
£250 / €250 / $250
|
Treatment in the United States
- Coinsurance in addition to Excess
| Treatment received through a network provider will be paid at 90% for the first £5,000 / €5,000 / $5,000 of eligible charges then plan pays full cover to chosen maximum plan value Treatment not received through a network provider will be paid at 80% for the first £5,000 / €5,000 / $5,000 of eligible charges then plan pays full cover to chosen maximum plan value |
Area of Cover Options
(As shown on your Certificate of Insurance. Refer to Area of Cover definition for further details)
| - Area 1: Europe
- Area 2: Worldwide excluding USA
- Area 3: Worldwide*
| |
Coverage Duration Options
|
12 months, trip duration options of 30 or 45 days
| |
Pre-Existing Medical Conditions
|
No cover
| |
Preauthorisation
| Pre-authorisation* must be obtained before any of the following treatment, service or medical supply: - Inpatient or day-patient admission in hospital
- Treatment, services, or medical supplies of any kind in hospital
- Surgery in hospital or in a surgical centre
- Outpatient MRI and CAT scans, echocardiogram (ECG), endoscopy, gastroscopy, colonoscopy, & cystoscopy
- Care in a licensed extended care facility
- Home Nursing Care
- Physiotherapy
- Durable Medical Equipment
- Emergency Medical Evacuation
- Mortal Remains
| |
| A Medical Benefits | Refer to your Policy Wording for full details on cover, exclusions, terms, conditions, and limitations.
Subject to excess and coinsurance when applicable. |
| Hospitalisation/Room & Board | Full Cover | | Intensive Care Unit | Full Cover | | Medical Expenses | Full Cover | | Outpatient Medical Expenses | Full Cover | | Emergency Local Ambulance Transport | Full Cover |
Prescription Drugs
- Maximum supply of 90 days per prescription
| Up to £250,000 / €250,000 / $250,000 | | Emergency Room: Accident & Emergency | Full Cover | | Dental: Injury due to Accident | Full Cover | | Dental: Sudden Dental Pain |
£50,000 / €50,000 / $50,000
| |
| B Additional Benefits | Maximum Limits are per Period of Insurance unless otherwise stated. |
| Hospital Cash Benefit |
Up to £100 / €100 / $100
Up to a maximum of 14 nights
Nil Excess
| | Terrorism |
Full Cover
| | Identity Theft Assistance |
Up to £500 / €500 / $500
| |
Death as a result of Accident only
| - 15 days to 16 years of age: £5,000 / €5,000 / $5,000
- 17 to 65 years of age: £25,000 / €25,000 / $25,000
- 66 to 74 years of age: £10,000 / €10,000 / $10,000
|
Loss of Sight/Loss of Limb as a result of accident only
- Age at date of injury/loss
| -
15 days to 16 years of age: £5,000 / €5,000 /
$5,000
-
17 to 65 years of age:
- Sight of one eye: £12,500 / €12,500 / $12,500
- 1 hand or 1 foot: £12,500 / €12,500 / $12,500
- 1 hand & 1 foot: £25,000 / €25,000 / $25,000
- 1 hand & sight of 1 eye: £25,000 / €25,000 / $25,000
- 1 foot & sight of 1 eye: £25,000 / €25,000 / $25,000
- Both hands or both feet: £25,000 / €25,000 / $25,000
- Sight of both eyes: £25,000 / €25,000 / $25,000
- 66 to 74 years of age: £5,000 / €5,000 / $5,000
|
Personal Liability
(subject to additional premium) | -
Injury to third person:
- Up to £50,000 / €50,000 / $50,000
- Excess: £100 / €100 / $100 per damage
-
Damage to third person’s property:
- Up to £5,000 / €5,000 / $5,000
- Excess: £100 / €100 / $100 per damage
|
Adventure Sports
(subject to additional premium) | - Up to £50,000 / €50,000 / $50,000
| |
| C International Emergency Care & Assistance | (when coordinated through the Plan Administrator) |
| Emergency Medical Evacuation |
Up to Maximum Limit
| | Emergency Reunion | Up to £50,000 / €50,000 / $50,000 | | Cremation/Burial or Repatriation of Remains | Up to £50,000 / €50,000 / $50,000 | | Return of Dependent Children | Up to £50,000 / €50,000 / $50,000 | | Security & Political Evacuation |
Up to £10,000 / €10,000 / $10,000
| | Natural Disaster Evacuation & Accommodation | Up to £100 / €100 / $100 per day
Up to a maximum of 5 days | |