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
For further information, use the rollovers
To see what is not covered, click here
Standard Excess
Nil
£50 or €/$80
£50 or €/$80
Maximum benefit per insured person per period of cover
In-patient charges
Hospital accommodation, drugs and dressings, surgeon and anaesthetist fees, theatre charges, intensive care unit and pathology.
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.
Parent accommodation
Hospital accommodation costs in respect of a parent or legal guardian staying with an insured person who is under 18 years of age and is admitted to a hospital as an in-patient.
Newborn cover
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.
Newborn accommodation
Hospital accommodation costs relating to a newborn baby (up to 16 weeks old) to accompany its mother (being an insured person) whilst she is receiving treatment as an in-patient in a hospital.
In-Patient psychiatric preatment
In a registered psychiatric unit of a hospital. All benefits are conditional upon pre-authorisation from
us and all treatment being administered under the direct control of a registered psychiatrist.
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.
Accidental damage to teeth
Treatment received in an emergency room in a hospital within 7 days of incurring accidental damage caused
to sound, natural teeth.
Oncology
Treatment given for cancer received as an in-patient, day-patient, or out-patient.
CT & MRI
Scans received as an in-patient, day-patient or out-patient and pre-authorised by us.
CT & MRI
Scans received as an in-patient, day-patient or out-patient and pre-authorised by us.
Emergency transportation
Emergency transportation costs to and from hospitals by the most appropriate form of transport.
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, 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.
Additional travel xxpenses
Mortal remains
i. Transportation of a body or ashes to the country nationality or country of residence, or
ii. Burial or cremation costs at the place of death.
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.
Reconstructive surgery
Reconstructive surgery following an accident or following surgery for an eligible medical condition.
Home nursing
Immediately following Hospital discharge on the recommendation of a specialist and must be provided by
a qualified nurse. All treatment under this benefit must be pre-authorised by us.
Out-patient charges
Out-patient surgery
Out-Patient psychiatric treatment
Including specialist consultations. All benefits are conditional upon pre-authorisation from us and all
treatment must be administered under the direct control of a registered psychiatrist.
Traditional chinese medicine
Administered by a traditional Chinese practitioner, registered to practice in China.
Hormone replacement therapy
Medical practitioner or specialist consultation and the cost of prescribed tablets, implants or patches,
when treatment is prescribed for the female menopause which has been induced artificially and/or through early onset (by early onset we mean prior to age 40 years).
Chronic conditions
Routine check-ups, drugs and dressings prescribed for management of the condition, hospital accommodation,
nursing, surgery and palliative treatment for chronic conditions.
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.
Routine dental treatment
Examinations, tooth cleaning, normal compound fillings,simple or non-surgical extractions incurred after 6 months from the purchase date of this benefit or your date of entry, whichever is the later.
Major restorative dental treatment
Removal of impacted, buried or unerrupted teeth, removal of roots, removal of solid odontomes, apicetomy, new or repair of bridge work, new or repair of crowns, root canal treatment, new or repair of upper or lower dentures incurred after 9 months from purchase date of this benefit of your date of entry, whichever is the later.
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.
Full refund.
£75 or €/$125 per night.
Up to £6,250 or €/$10,000 & to a maximum of 30 days hospital stay.
Full refund
(up to 30 days)
Full refund
(subject to a waiting period)**
Full refund, when treatment received as an in-patient only .
Up to £95 or €/$150 per person per day and 3,000 or /$5,000 per person, per evacuation.
Up to£ 5,300 or €/$8,500.
Up to £30,000 or €/$50,000 per lifetime.
Full refund up to 30 days per condition.
Full refund up to 28 weeks per condition.
Up to £1,000 or €/$1,700 & 60 days per medical condition immediately following hospitalisation.
up to £1000 or €/$1,700 per medical condition for out-patient charges following an eligible in-patient or day patient stay.
Full refund up to 10 sessions in aggregate.
Up to a maximum of £20 or €/$30 per session and to a maximum of 10 sessions.
Full refund up to 10 months per condition.
Up to £30,000 or €/$50,000 per lifetime (nil excess).
Optional.
Up to £435 or €/$,700 and subject to 25% co-insurance (nil excess).
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).
Up to £5,300 or €/$8,500 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).
Direct settlement network
Cover under this policy provides nil excess benefits for our out-patient treatment received within the
direct settlement network. out-patient treatment received outside of the direct settlement network
and other in-patient and day-patient treatment will be subject to £50 or €/$80 excess applicable to each new medical condition.
No cover.
Applicable in Asia and Middle East ***
Out-patient care
Diagnostic and surgical procedures as an out-patient including pathology, x-rays and prescribed drugs and dressings.
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 repair or new upper dentures.
Emergency dental treatment
Treatment received in an emergency room in a hospital within 7 days of incurring accidental damage caused to sound, natural teeth.
To see what is not covered, click 
