Product profile
Description
A very extensive world-wide international health cover
For
UK expatriates aged 18 to 64
Benefits
- Treatment world-wide
- In-patient hospital accommodation charges
- In-patient drugs and surgical dressings
- In-patient surgeons fees
- In-patient doctors fees
- In-patient anaesthetists' fees
- In-patient theatre charges
- In-patient intensive care charges
- In-patient nursing care
- In-patient parental accommodation
- In-patient pathology
- In-patient diagnostic tests
- In-patient scans
- In-patient physiotherapy
- In-patient oncology
- In-patient X-rays
- In-patient hospital cash
- In-patient heart, kidney, liver, lung, heart and lung and bone marrow transplants
- In-patient hospice care
- Road ambulance charges
- Out-patient oncology
- Out-patient surgical procedures
- Out-patient GP consultations
- Out-patient medical practitioner fees
- Out-patient prescription drugs and dressings
- Out-patient pathology
- Out-patient MRI/CT/PET scans
- Out-patient radiology
- Out-patient diagnostic tests
- Out-patient physiotherapy
- Out-patient follow up consultations and tests for cancer
- Chiropractics
- Homeopathy
- Osteopathy
- Acupuncture
- Home nursing
- In-patient psychiatric treatment
- Out-patient psychiatric treatment
- Pregnancy complications
- Emergency in-patient dental treatment
- Emergency evacuation
- Return airfare
- Travelling expenses of companion
- Accommodation expenses of companion
- Compassionate home travel
- Repatriation or burial of mortal remains
- 24-hour multilingual medical assistance helpline
- HRT treatment
Options
- Choice of currency
- Range of deductibles
- Family discounts
- Annual premium discount
- Global Travel
- Global Accident
- Area One cover – world-wide excluding the USA
- Area Two cover – world-wide with cover in the USA restricted to temporary trips of not more than 45 days
- Area Three cover – world-wide with cover in the USA restricted to temporary trips of not more than 90 days
Not covered
- Pre-existing conditions
- Chronic conditions consultations, tests, medication
- Out-patient emergency ward treatment
- Traditional Chinese medicine
- Well-being: annual medical, smear test, mammogram, prostate cancer test
- Complex dental treatment
- Routine dental treatment
- Emergency out-patient dental treatment
- Routine maternity care
- Cover for newborns
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Alternative treatments and therapies such as hydrotherapy, aqua physiotherapy, kinesiology, colonic irrigation, IDD (Inter vertebral Differential Dynamics), myotherapy, cranioelectrical stimulation, or chelation therapy
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Autopsies
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Bank charges
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Cosmetic surgery for sclerotherapy for spider veins, surgical and non-surgical treatment of superficial varicose veins or nasal septum deviation
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Bone marrow transplants
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Organ transplants
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Stem cell harvesting
Last updated: 1 January 2013
