| Plan Information & Highlights |
|
Plan Maximum Limit Options–per insured
person, per period of insurance
|
Currency Options
£100,000 / €100,000 / $100,000
£250,000 / €200,000 / $250,000
£500,000 / €500,000 / $500,000
£1,000,000 / €1,000,000 / $1,000,00
£100,000 / €100,000 / $100,000 Maximum Limit option only available for Area 1 and 2
| |
Excess Options–per insured person, per
period of insurance
|
£0 / €0 / $0
£100 / €100 / $100
£250 / €250 / $250
£500 / €500 / $500
|
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
|
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
|
£100,000 / €100,000 / $100,000 policy maximum = up to £25,000 / €25,000 / $25,000 per period of insurance
£250,000 / €250,000 / $250,000 policy maximum = up to £50,000 / €50,000 / $50,000 per period of insurance
£500,000 / €500,000 / $500,000 policy maximum = up to £250,000 / €250,000 / $250,000 per period of insurance
£1,000,000 / €1,000,000 / $1,000,000 policy maximum = up to £250,000 / €250,000 / $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 £150 / €150 / $150
| |
| 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
| | 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 £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:
- Excess: £100 / €100 / $100 per Injury
- Up to £50,000 / €50,000 / $50,000
-
Damage to third person’s property:
- Excess: £100 / €100 / $100 per damage
- Up to £5,000 / €5,000 / $5,000
|
Adventure Sports
(subject to additional premium) | - Up to £50,000 / €50,000 / $50,000
|
Teleconsultation*
(subject to additional premium) | - Online and telephone access to a network of medical professionals available to discuss new, non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week.
| |
| C International Emergency Care & Assistance | Maximum Limits are per Period of Insurance unless otherwise stated |
| Emergency Medical Evacuation |
Up to £500,000 / €500,000 / $500,000
policy 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 Minor Children | Up to £50,000 / €50,000 / $50,000 | | Security and 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
| |