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Annual Plans


Emergency+

  • Low cost
  • In-patient only

Standard

  • Low cost
  • IP & Maternity

Plus

  • Maternity
  • IP & OP benefits

Premium

  • Higher limits
  • IP & OP benefits

Executive

  • Rich benefits
  • Dental Included

Short Term Plans


Short Term

  • 3 months
  • Travel benefits

Short Term Plus

  • Renew to 6 months
  • Higher limits

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Annual Policy

Excess:

Excess:

Excess:

Excess:

Excess:

Short Term Policy

You have chosen with an area of cover for with a Premium cost of £800. Would you like to :

Table of Benefits

 

Benefits — all benefits are up to plan limits or sub-benefits

 
Emergency+
Standard
Plus
Premium
Executive

Maximum We will pay each Period of Insurance

 £350,000 $500,000 €430,000 £710,000 $1,000,000 €860,000 £1,000,000 $1,500,000 €1,300,000 £1,400,000 $2,000,000 €1,700,000 £1,700,000 $2,500,000 €2,100,000

Deductible

 £1,400 / £710 / £170 / Nil $2,000 / $1,000 / $250 / Nil €1,700 / €860 / €210 / Nil £710 / £170 $1,000 / $250 €860 / €210 £710 / £170 $1,000 / $250 €860 / €210 £710 / £170 / Nil $1,000 / $250 / Nil €860 / €210 / Nil £710 / £170 / Nil $1,000 / $250 / Nil €860 / €210 / Nil

Optional Co-Pay

 Nil, 10%, 20%, or 30%
 

Hospice or Terminal Care benefits

 
Emergency+
Standard
Plus
Premium
Executive

Hospice or Terminal Care

 100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £140,000 100% up to a Lifetime limit of $200,000 100% up to a Lifetime limit of €170,000 100% up to a Lifetime limit of £140,000 100% up to a Lifetime limit of $200,000 100% up to a Lifetime limit of €170,000
 

Inpatient and Daycare benefits

 
Emergency+
Standard
Plus
Premium
Executive

Accommodation, operating theatre, and recovery room costs

 100% 100% 100% 100% 100%

Congenital Defects

 No Cover 100% 100% 100% 100%

Diagnostic Procedures

 100% 100% 100% 100% 100%

Nursing

 100% 100% 100% 100% 100%

Prescription Drugs and Medicines

 100% 100% 100% 100% 100%

Physician, Specialist Surgeon, and Anaesthetist Fees

 100% 100% 100% 100% 100%

Medical second opinion

 100% 100% 100% 100% 100%

Hospital Cash Benefit

 

 £70 per day up to 30 days $100 per day up to 30 days €80 per day up to 30 days £70 per day up to 30 days $100 per day up to 30 days €80 per day up to 30 days £140 per day up to 30 days $200 per day up to 30 days €170 per day up to 30 days £170 per day up to 30 days $250 per day up to 30 days €210 per day up to 30 days £170 per day up to 45 days $250 per day up to 45 days €210 per day up to 45 days

Eye surgery

 100% 100% 100% 100% 100%

Organ Transplant

 100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £350,000 100% up to a Lifetime limit of $500,000 100% up to a Lifetime limit of €430,000 100% up to a Lifetime limit of £350,000 100% up to a Lifetime limit of $500,000 100% up to a Lifetime limit of €430,000

Parental Accommodation

for children up to 16 years old

 £30 per day up to 30 days $45 per day up to 30 days €40 per day up to 30 days £30 per day up to 30 days $45 per day up to 30 days €40 per day up to 30 days £100 per day up to 30 days $150 per day up to 30 days €130 per day up to 30 days £100 per day up to 30 days $150 per day up to 30 days €130 per day up to 30 days £100 per day up to 45 days $150 per day up to 45 days €130 per day up to 45 days
 

Day-Patient benefits

 
Emergency+
Standard
Plus
Premium
Executive

Day-Patient benefits

 100% 100% 100% 100% 100%
 

Out-Patient benefits

 
Emergency+
Standard
Plus
Premium
Executive

Alternative medicine

 No Cover No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340

Physician and Paramedic Fees

 No Cover No Cover 75% up to £710 75% up to $1,000 75% up to €860 75% 100%

Diagnostics

 No Cover No Cover 75% up to £710 75% up to $1,000 75% up to €860 75% 100%

Physiotherapy

 No Cover No Cover 100% up to 12 sessions up to £710 100% up to 12 sessions up to $1000 100% up to 12 sessions up to €860 100% up to 12 sessions up to £710 100% up to 12 sessions up to $1000 100% up to 12 sessions up to €860 100% up to 12 sessions

Prescription Drugs and Medicines

 No Cover No Cover 100% up to £710 100% up to $1000 100% up to €860 100% up to £710 100% up to $1000 100% up to €860 100% up to £710 100% up to $1000 100% up to €860
 

Cancer benefits

 
Emergency+
Standard
Plus
Premium
Executive

Cancer Treatment

 100% 100% 100% 100% 100%
 

Preventative benefits

 
Emergency+
Standard
Plus
Premium
Executive

Annual Health Checks

You won't be able to claim within the first 12 months

 No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340 100% up to £1,000 100% up to $1,500 100% up to €1,300

Vaccinations

 No Cover 75% up to £100 75% up to $150 75% up to €130 75% up to £100 75% up to $150 75% up to €130 100% up to £170 100% up to $250 100% up to €210 100%

Well-being tests

 No Cover No Cover 100% up to £320 100% up to $450 100% up to €390 100% up to £320 100% up to $450 100% up to €390 100% up to £320 100% up to $450 100% up to €390

Well-child Care

Up to 7 years of age

 No Cover No Cover 100% up to £710 100% up to $1,000 100% up to €860 100% up to £710 100% up to $1,000 100% up to €860 100% up to £710 100% up to $1,000 100% up to €860
 

Maternity benefits — You won't be able to claim within the first 12 months

 
Emergency+
Standard
Plus
Premium
Executive

Maternity

 No Cover 100% up to £2,100 100% up to $3,000 100% up to €2,600 100% up to £2,100 100% up to $3,000 100% up to €2,600 100% up to £10,700 100% up to $15,000 100% up to €13,000

or

100% up to £14,200 100% up to $20,000 100% up to €17,300

If both parents join together

 100% up to £12,500 100% up to $17,500 100% up to €15,200

or

100% up to £17,800 100% up to $25,000 100% up to €21,700

If both parents join together

Complications of Pregnancy and Complications of Childbirth

 No Cover 100% up to £7,100 100% up to $10,000 100% up to €8,600 100% up to £35,700 100% up to $50,000 100% up to €43,400 100% up to £350,000 100% up to $500,000 100% up to €430,000 100% up to £710,000 100% up to $1,000,000 100% up to €860,000

New-born Care, including Premature new-borns

 No Cover 100% up to £35,700 100% up to $50,000 100% up to €43,400 100% up to £71,400 100% up to $100,000 100% up to €86,800 100% up to £107,100 100% up to $150,000 100% up to €130,400 100% up to £178,500 100% up to $250,000 100% up to €217,300
 

Dental benefits

 
Emergency+
Standard
Plus
Premium
Executive

Emergency Dental Treatment

 No Cover No Cover Optional Benefit
100% up to £1,400 100% up to $2,000 100% up to €1,700 		Optional Benefit
100% up to £1,400 100% up to $2,000 100% up to €1,700 		100% up to £1,400 100% up to $2,000 100% up to €1,700

Routine Dental Care

 No Cover No Cover Optional Benefit
75% up to £500 75% up to $700 75% up to €600 		Optional Benefit
75% up to £500 75% up to $700 75% up to €600 		100% up to £500 100% up to $700 100% up to €600

Restorative Dental Treatment

 No Cover No Cover Optional Benefit
75% up to £1,400 75% up to $2,000 75% up to €1,700 		Optional Benefit
75% up to £1,400 75% up to $2,000 75% up to €1,700 		100% up to £1,400 100% up to $2,000 100% up to €1,700

Dental Crowns, Bridges, Dentures and Implants

 No Cover No Cover Optional Benefit
50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700 		Optional Benefit
50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700 		50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700

Orthodontic treatment for children under 18

 No Cover No Cover Optional Benefit
50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700		 Optional Benefit
50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700		 50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700
 

Special and Travel benefits

 
Emergency+
Standard
Plus
Premium
Executive

Accompanying person’s Travel Expenses

 100% up to maximum £3,500 100% up to maximum $5,000 100% up to maximum €4,300

Compassionate Travel and Accommodation Expenses

 100% up to maximum £3,500 100% up to maximum $5,000 100% up to maximum €4,300

Elective Home Country Treatment

 No Cover No Cover 100% 100% 100%

Emergency Medical Transfer or Evacuation and repatriation

 100% 100% 100% 100% 100%

Medical Treatment Outside Your Area of Cover

 Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year

Repatriation of Mortal Remains

 100% up to £2,100 100% up to $3,000 100% up to €2,600 100% 100% 100% 100%

Road Ambulance Transportation

 100% 100% 100% 100% 100%
 

Other benefits

 
Emergency+
Standard
Plus
Premium
Executive

Glasses and contact lenses

You won’t be able to claim for the first 6 months

 No Cover No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340

Home Nursing

 No Cover No Cover No Cover 100% (Max. 60 days) 100% (Max. 60 days)

Prescribed Medical Aids

 No Cover No Cover No Cover No Cover 50% up to £4,200 lifetime maximum 50% up to $6,000 lifetime maximum 50% up to €5,200 lifetime maximum

Psychiatric, Drug, and Alcohol Abuse

 No Cover No Cover No Cover No Cover 50% up to £3,500 (Lifetime Maximum) 50% up to $5,000 (Lifetime Maximum) 50% up to €4,300 (Lifetime Maximum)

Rehabilitation following In-Patient Treatment

 No Cover No Cover No Cover 100% up to 45 days 100% up to 60 days
 

Personal Accident —Life cover for death by accident only

 
Emergency+
Standard
Plus
Premium
Executive

Death

 £17,800
£10,000 block increases available. The maximum amount of cover per member is £117,800. $25,000
$10,000 block increases available. The maximum amount of cover per member is $125,000. €21,700
€10,000 block increases available. The maximum amount of cover per member is €121,700.


Table of Benefits

Benefits — all benefits are up to plan limits or sub-benefits


Short Term
Short Term Plus

Annual Maximum Healthcare Treatment

£1,000,000 $1,500,000 €1,500,000 £1,000,000 $1,500,000 €1,500,000

Area 1

Worldwide excluding USA

Area 2

Worldwide including USA

Area 3

Western Europe

Deductible per Event

£100 $150 €150

Co-Pay

Nil

Inpatient and Daycare benefits— pre-authorisation is required for all inpatient treatment


Short Term
Short Term Plus

Accommodation, Operating Theatre, and Recovery Room

100% of costs 100% of costs

Diagnostic Procedures

100% of costs 100% of costs

Hospital Cash Benefit

Non-medical expenses


— Excess does not apply

Up to £100 per day (Max. 15 days) Up to $150 per day (Max. 15 days) Up to €150 per day (Max. 15 days) Up to £100 per day (Max. 15 days) Up to $150 per day (Max. 15 days) Up to €150 per day (Max. 15 days)

Nursing

 100% of costs 100% of costs

Physician, Specialist Surgeon, and Anaesthetist Fees

 100% of costs 100% of costs

Prescription Drugs and Medicines

 100% of costs 100% of costs

Radiotherapy, Chemotherapy, and Oncology

 100% of costs 100% of costs

Surgical Appliances

 100% of costs 100% of costs

Outpatient benefits — up to a combined limit of £1,000


Short Term
Short Term Plus

Non-Western and Alternative Medicine

Including chiropractic, osteopathy, Chinese herbal medicine, and acupuncture

— Excess does not apply

 Not covered 100% of costs (5 sessions)

Physician and Paramedic Fees

— Excess does not apply

 Not covered 75% of costs

Physiotherapy

Physician-prescribed as medically necessary

— Excess does not apply

 Not covered 100% of costs (5 sessions)

Speech Therapy

Physician-prescribed as medically necessary

— Excess does not apply

 Not covered 100% of costs (5 sessions)

Oculomotor Therapy

Physician-prescribed as medically necessary

— Excess does not apply

 Not covered 100% of costs (5 sessions)

Ocupational Therapy

Physician-prescribed as medically necessary

— Excess does not apply

 Not covered 100% of costs (5 sessions)

Prescribed Drugs

— Excess does not apply

 Not covered 100% of costs

X-ray, Laboratory Tests, and Treatment

MRI scans require pre-authorisation

 Not covered 75% of costs

Dental benefits


Short Term
Short Term Plus

Emergency Dental Treatment

— Excess does not apply

 100% of costs 100% of costs

Additional benefits — pre-authorisation is required for all inpatient treatment


Short Term
Short Term Plus

Eye Surgery

Accidental only

 100% of costs 100% of costs

Special and Travel benefits


Short Term
Short Term Plus

Emergency Medical Evacuation and Medical Repatriation

— Excess does not apply

 100% of costs 100% of costs

Out-of-Area Accident or Emergency Cover

Limited to 7 days per policy year

 20% Co-pay 20% Co-pay

Out-of-Hospital Network Cover

 20% Co-pay 20% Co-pay

Repatriation of Mortal Remains

 100% of costs up to £2,000 100% of costs up to $3,000 100% of costs up to €3,000 100% of costs up to £2,000 100% of costs up to $3,000 100% of costs up to €3,000

Emergency Medical Evacuation and Medical Repatriation

 100% of costs 100% of costs