| Plan Information & Highlights |
|
Plan Maximum Limit Options–per insured
person, per period of insurance
|
Currency Options
£1,200,000 / €1,600,000 / $2,000,000
£3,000,000 / €4,000,000 / $5,000,000
£5,000,000 / €6,250,000 / $8,000,000
| |
Excess Options–per insured person, per
period of insurance
|
£0 / €0 / $0
£60 / €75 / $100
£150 / €200 / $250
£300 / €400 / $500
£600 / €800 / $1,000
|
Treatment in the United States
- Coinsurance in addition to Excess
| -
Treatment received through a network provider
will be paid at 100%
| |
Treatment not 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
|
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 36 months
| |
Pre-Existing Medical Conditions
|
No cover except as expressly provided for under
the Sudden and Unexpected Reoccurrence of a
Pre-Existing Condition benefit
| |
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.
Maximum Limits are per Period of Insurance unless otherwise stated.
|
| 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 £150,000 / €200,000 / $250,000
| | Emergency Room: Accident & Emergency | Full Cover | | Dental: Injury Due to Accident | Full Cover | | Dental: Sudden Dental Pain |
Up to £150 / €200 / $250
| |
| B Additional Benefits | Maximum Limits are per Period of Insurance unless otherwise stated. |
Adventure Sports
| - Up to £30,000 / €40,000 / $50,000
|
Sudden & Unexpected Reoccurence of a
Pre-Existing Condition
- For Insured Persons under age 65
|
Up to £12,500 / €15,000 / $20,000 Policy Limit
for Medical Benefits
Up to £30,000 / €40,000 / $50,000 for
Emergency Medical Evacuation
| | Hospital Cash Benefit |
Up to £150 / €200 / $250
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
| | Identity Theft Assistance |
Up to £300 / €400 / $500
|
Personal Liability
(subject to additional premium) | -
Injury to third person:
- Up to £30,000 / €40,000 / $50,000
- Excess: £60 / €75 / $100 per Injury
-
Damage to third person’s property:
- Up to £3,000 / €4,000 / $5,000
- Excess: £60 / €75 / $100 per damage
| | Terrorism |
Full Cover
| | Remote Transportation |
Up to £3,000 / €4,000 / $5,000 per Period of Insurance
Up to £12,500 / €15,000 / $20,000 Policy Limit
| | Criminal Assault Benefit |
Up to £600 / €750 / $1,000 per admitted night
Up to £6,000 / €7,500 / $10,000
| |
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:
£30,000 / €40,000 / $50,000
-
66 to 74 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: £16,000 / €20,000 / $25,000
- 1 hand or 1 foot: £16,000 / €20,000 / $25,000
- 1 hand & 1 foot: £30,000 / €40,000 / $50,000
-
1 hand & sight of 1 eye: £30,000 / €40,000 /
$50,000
-
1 foot & sight of 1 eye: £30,000 / €40,000 /
$50,000
-
Both hands or both feet: £30,000 / €40,000 /
$50,000
- Sight of both eyes: £30,000 / €40,000 / $50,000
- 66 to 74 years of age: £3,000 / €3,750 / $5,000
| |
| C International Emergency Care & Assistance | Maximum Limits are per Period of Insurance unless otherwise stated |
| Emergency Medical Evacuation |
Up to the maximum limit
| | Emergency Reunion | Up to £60,000 / €75,000 / $100,000 | |
Cremation/Burial or Repatriation of
Remains
| Up to £60,000 / €75,000 / $100,000 | | Return of Minor Children | Up to £30,000 / €40,000 / $50,000 | | Security and Political Evacuation | Up to £30,000 / €40,000 / $50,000 | | Natural Disaster Evacuation & Accommodation |
Up to £150 / €200 / $250 per day
Up to a maximum of 5 days
| |
