You never know when ill health will strike and when you are living
abroad you will encounter different climates, diseases, languages and healthcare systems.
Our flexible product range means that you can choose the plan that most
closely matches your circumstances.
To get a quote for the level of cover you require, Click
here
All limits and excesses expressed in dollars shall relate to US dollars.
Standard Excess The excess amount as shown in your policy schedule will be deducted from all eligible medical expenses in respect of each new medical condition.
Nil
£50 or €/$80
£50 or €/$80
Maximum Benefit per Insured Person per Period of Cover The maximum amount that may be claimed, per insured person per period of cover
£1,000,000 €/$1,600,000
£1,000,000 €/$1,600,000
£1,000,000 €/$1,600,000
In-Patient Charges Hospital accommodation, drugs and dressings, surgeon and anaesthetist fees, theatre charges, intensive care unit and pathology.
Full Refund.
Full Refund.
Full Refund.
Oncology Treatment given for cancer received as an in-patient, or out-patient.
CT and MRI scans Received as an in-patient, day-patient or out-patient and pre-authorised by us.
Full Refund.
Full Refund.
Full Refund.
Emergency dental treatment Treatment received in an emergency room in a hospital within 7 days of incurring accidental damage caused to sound, natural teeth.
Full Refund only when treatment is received as an in-patient.
Full Refund.
Full Refund.
Evacuation Evacuation of an insured person in the event of treatment not being readily available at the place of the incident, to the nearest appropriate facility or to a country of your choice (Lifestyle and Lifestyle Plus only), for the purpose of admission to Hospital as an in-patient or day-patient. Extended to cover the costs for one other person to travel with the insured person as an escort.
Full refund to nearest appropriate medical facility.
Full Refund to country of choice.
Full Refund to country of choice.
Complications of Pregnancy Treatment of a medical condition which arises during the antenatal stages of pregnancy, or a medical condition which arises during childbirth & requires a recognised obstetric procedure, where the date of conception is at least 12 months after the date of entry to the plan.
Full Refund.
Full Refund.
Full Refund.
Blood care foundation The purpose of the blood care foundation is to ensure the availability of screened blood and sterile equipment, in emergency situations anywhere in the world where such supplies are not readily available.
Full refund.
Full refund.
Full refund.
Out-patient care Diagnostic and surgical procedures as an out-patient including pathology, x-rays and prescribed drugs and dressings.
Up to £1,000 or €/$1,700 per medical condition prior to hospitalisation and up to 60 days immediately following hospitalisation in aggregate.
Full Refund.
Full Refund.
Hospital Cash Benefit When treatment is received as an in-patient for an eligible medical condition for a maximum of 20 nights and no costs are incurred for accommodation and/or treatment. This benefit is not applicable to accident and emergency admissions.
£75 or €/$125 per night.
£75 or €/$125 per night.
£75 or €/$125 per night.
Newborn Care In-Patient treatment of an acute medical condition and any associated costs which presents symptoms at birth or which manifests itself within 30 days following birth.
Up to £6,250 or €/$10,000 & to a maximum of 30 days Hospital stay.
Up to £6,250 or €/$10,000 & to a maximum of 30 days Hospital stay.
Up to £6,250 or €/$10,000 & to a maximum of 30 days Hospital stay.
AIDS Medical expenses which arise from or are in any way related to human immunodeficiency virus (HIV) and/or HIV related illness, including acquired immune deficiency syndrome (AIDS) or AIDS related complex (ARC) and/or any mutant derivative or variation thereof.
Up to £6,250 or €/$10,000 per Period of Cover.
Up to £6,250 or €/$10,000 per Period of Cover.
Up to £6,250 or €/$10,000 per Period of Cover.
Routine Management of Chronic illnesses Routine check-ups, drugs and dressings prescribed for management of the condition, hospital accommodation, nursing, renal dialysis (where applicable), surgery and palliative treatment for Chronic conditions.
No cover.
Up to £9,375 or €/$15,000 (Nil Excess) per Period of Cover.
Up to £9,375 or €/$15,000 (Nil Excess) per Period of Cover.
Pregnancy and Childbirth Costs associated with normal pregnancy and childbirth, pre- and post-natal check-ups and delivery costs, where the date of conception is at least 12 months after the date of entry to the plan.
No cover.
No cover.
Up to £6,250 or €/$10,000 subject to 20% co-insurance (10% for Hong Kong residents selecting semi-private room or when utilising a maternity package in a pre-approved provider facility) (Nil Excess).
Routine and restorative dental care Including examinations, tooth cleaning, normal compound fillings, simple or non-surgical extractions, removal of impacted teeth, removal of roots, repair or new bridgework, crowns, root canal work and new or repair of upper or lower dentures.
No cover.
No cover.
Restorative Up to £945 or €/$1,500 and subject to 25% co-insurance (Nil Excess). Routine Up to £435 or €/$700 and subject to 25% co-insurance (nil excess).
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