| Plan Information & Highlights |
|
Plan Maximum Limit Options–per insured
person, per period of insurance
|
Currency Options
£60,000 / €75,000 / $100,000
£150,000 / €200,000 / $250,000
£300,000 / €400,000 / $500,000
£600,000 / €800,000 / $1,000,00
£60,000 / €75,000 / $100,000 Maximum Limit
option only available for Area 1 and 2
| |
Excess Options–per insured person, per
period of insurance
|
£0 / €0 / $0
£60 / €75 / $100
£150 / €200 / $250
£300 / €400 / $500
|
Treatment in the United States
- Coinsurance in addition to Excess
*Special terms to apply to treatment in the US | -
Treatment received through a network provider
will be paid at 90% for the first £3,000 / €4,000
/ $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 £3,000
/ €4,000 / $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)
| - Europe
- Worldwide excluding USA
- Worldwide
| |
Coverage Duration Options
|
30 days to 12 months, extendable to
maximum of 24 months
| |
Pre-Existing Medical Conditions
|
No cover
| |
Preauthorisation
|
Preauthorisation 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, echocardiograph, 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
- Prescription limit based upon chosen plan maximum
|
£60,000 / €75,000 / $100,000 policy
maximum = up to £15,000 / €20,000 /
$25,000 per period of insurance
£150,000 / €200,000 / $250,000 policy
maximum = up to £30,000 / €40,000 /
$50,000 per period of insurance
£300,000 / €400,000 / $500,000 policy
maximum = up to £150,000 / €200,000 /
$250,000 per period of insurance
£600,000 / €800,000 / $1,000,000 policy
maximum = up to £150,000 / €200,000 /
$250,000 per period of insurance
| | Emergency Room: Accident & Emergency | Full Cover | | Dental: Injury Due to Accident | Full Cover | | Dental: Sudden Dental Pain |
Up to £90 / €115 / $150
| |
| B Additional Benefits | Maximum Limits are per Period of Insurance unless otherwise stated. |
| Hospital Cash Benefit |
Up to £60 / €75 / $100
Up to a maximum of 14 nights
Nil excess
| | Incidental Return Trip |
Up to a cumulative of 2 weeks within a
12-month Period of Insurance
Subject to Excess
| | Terrorism |
Full Cover
| | Identity Theft Assistance |
Up to £300 / €400 / $500
| | Death as a result of Accident only
| -
15 days to 16 years of age:
£3,000 / €3,750 / $5,000
- 17 to 65 years of age:
£16,000 / €20,000 / $25,000 -
66 to 70 years of age:
£6,000 / €7,500 / $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: £3,000 / €3,750 /
$5,000
- 17 to 65 years of age:
- Sight of one eye: £8,000 / €10,000 / $12,500
- 1 hand or 1 foot: £8,000 / €10,000 / $12,500
- 1 hand & 1 foot: £16,000 / €20,000 / $25,000
- 1 hand & sight of 1 eye: £16,000 / €20,000 / $25,000
- 1 foot & sight of 1 eye: £16,000 / €20,000 / $25,000
- Both hands or both feet: £16,000 / €20,000 /
$25,000
- Sight of both eyes: £16,000 / €20,000 / $25,000
- 66 to 70 years of age: £3,000 / €3,750 / $5,000
| Personal Liability
(subject to additional premium) | - Injury to third person:
- Excess: £60 / €75 / $100 per Injury
- Up to £30,000 / €40,000 / $50,000
- Damage to third person’s property:
- Excess: £60 / €75 / $100 per damage
- Up to £3,000 / €4,000 / $5,000
| Adventure Sports
(subject to additional premium) | - Up to £30,000 / €40,000 / $50,000
| |
| C International Emergency Care & Assistance | Maximum Limits are per Period of Insurance unless otherwise stated |
| Emergency Medical Evacuation |
Up to £300,000 / €400,000 / $500,000
policy limit
| | Emergency Reunion | Up to £30,000 / €40,000 / $50,000 | |
Cremation/Burial or Repatriation of
Remains
| Up to £30,000 / €40,000 / $50,000 | | Return of Minor Children | Up to £30,000 / €40,000 / $50,000 | | Security and Political Evacuation | Up to £6,000 / €7,500 / $10,000 | | Natural Disaster Evacuation & Accommodation |
Up to £60 / €75 / $100 per day
Up to a maximum of 5 days
| |