The policy excess is applied to In, Day and Out-patient only per insured person once per policy year.
Treatment received by an insured person when admitted to a hospital bed for an overnight stay of one or more night’s duration or as a day-patient.
Professional fees, accommodation, diagnostics, theatre fees, home nursing, medication, chronic conditions, oncology, organ transplants, physiotherapy, transportation, reconstructive surgery, rehabilitation, psychiatric illness, post operative cover, newborn cover – premature births, parent accommodation, cash benefit, emergency treatment outside are of cover.
Please see
policy wording for full terms and conditions
Treatment received in a recognised medical facility but without admission to a hospital bed.
Professional fees, diagnostics, surgical treatment, medication, chronic conditions, oncology, physiotherapy, chiropody, complementary treatment, psychiatric illness, hormone replacement therapy, routine health checks.
Please see policy wording for full terms and conditions.
Normal Pregnancy, childbirth costs, including pre and postnatal check-ups, scans and delivery costs for a natural birth. Limited to £5,000 €7,500 US$9,375 for each pregnancy.
Complications of Pregnancy, and treatment of medical conditions which arise during the antenatal stages of pregnancy, or which occur during the childbirth/delivery, which require intervention of an obstetric procedure. Limited to £10,000 €15,000 US$18,750 for each pregnancy.
Well-bay Examination, paediatrician costs for the first examination/check-up of a newborn baby, if the examination is made within 24 hours of delivery.
Newborn Accommodation, cot and nursing charges for newborn baby/babies (up to 6 months of age) to stay with a mother who is admitted to hospital as an in-patient.
Cash Benefit, where hospital accommodation and all pregnancy and childcare costs are provided in a State or Charitable Hospital and no claim is submitted under this section of the policy for any reimbursement of any costs. £100 €150 US$190 each night up to a maximum of 30 nights.
Please see policy wording for full terms and conditions.
Subject to an eleven month wait period from purchase date of this benefit.
Routine Dental Treatment
Routine examinations, cleaning and polishing, fillings, extractions, new and repairs of crown/inlays, root canal treatment, new and repairs of bridge, new dentures and emergency dental treatment. The above procedures are limited up to certain amounts (see policy wording) and are subject to an overall maximum limit of £1,000 €1,500US$1,875 each year.
Accidental Damage – Full Refund
Please see policy wording for full terms and conditions.
Subject to a six month wait period from purchase date of this benefit.
Evacuation, costs of transporting an insured person to the nearest appropriate medical facility for treatment of an accident or medical condition within the insured persons area of cover which cannot be treated adequately locally or at the place of incident.
Repatriation, costs of transporting an insured person to their country of nationality or country of residence (within area of cover only) for treatment of an accident or medical condition within the insured persons area of cover which cannot be treated adequately locally or at the place of incident.
Mortal Remains, burial or cremation costs in the country of death or transportation of body or ashes to country of nationality or country of residence. Limited to £5,000 €7,500 US$9,375
Please see policy wording for full terms and conditions.
In-patient & day-patient treatment
Treatment received by an insured person when admitted to a hospital bed for an overnight stay of one or more night’s duration or as a day-patient.
Professional fees, accommodation, diagnostics, theatre fees, home nursing, medication, chronic conditions, oncology, organ transplants, physiotherapy, transportation, reconstructive surgery, psychiatric illness, cash benefit, emergency treatment outside area of cover.
Out-patient treatment
Treatment received in a recognised medical facility but without admission to a hospital bed. Limited to £5,000 €7,500 US$9,375
Professional fees, diagnostics, surgical treatment, medication, chronic conditions, oncology, physiotherapy, chiropody, complementary treatment.
Routine Dental Treatment
Routine examinations, cleaning and polishing, fillings, extractions, new and repairs of crown/inlays, root canal treatment, new and repairs of bridge, new dentures and emergency dental treatment. The above procedures are limited up to certain amounts (see policy wording) and are subject to an overall maximum limit of £1,000 €1,500US$1,875 each year.
Accidental Damage – Full Refund
Please see policy wording for full terms and conditions.
Subject to a six month wait period from purchase date of this benefit.
Evacuation, costs of transporting an insured person to the nearest appropriate medical facility for treatment of an accident or medical condition within the insured persons area of cover which cannot be treated adequately locally or at the place of incident.
Repatriation, costs of transporting an insured person to their country of nationality or country of residence (within area of cover only) for treatment of an accident or medical condition within the insured persons area of cover which cannot be treated adequately locally or at the place of incident.
Mortal Remains, burial or cremation costs in the country of death or transportation of body or ashes to country of nationality or country of residence. Limited to £5,000 €7,500 US$9,375
Please see policy wording for full terms and conditions.
Dependant children up to the age of 21 years of age permanently living with you or in full time education may be covered under the same policy.
Minimum age 18
Maximum age 74
