$
£

Notes

Deductibles on Our Policies are applied per Period of Insurance. This means that each year You will only pay the Deductible once. The Deductible is not applied to the dental or death benefits

 

Benefits — all benefits are up to plan limits or sub-benefits

 
Emergency+

Standard

Plus

Premium

Executive

Maximum We will pay each Period of Insurance

£350,000 $500,000 €430,000 £710,000 $1,000,000 €860,000 £1,000,000 $1,500,000 €1,300,000 £1,400,000 $2,000,000 €1,700,000 £1,700,000 $2,500,000 €2,100,000

Deductible

£1,400 $2,000 €1,700 £710 / £170 $1,000 / $250 €860 / €210 £710 / £170 $1,000 / $250 €860 / €210 £710 / £170 / Nil $1,000 / $250 / Nil €860 / €210 / Nil £710 / £170 / Nil $1,000 / $250 / Nil €860 / €210 / Nil

Optional Co-Pay

Nil, 10%, 20%, or 30%
 

Hospice or Terminal Care benefits

 
Emergency+

Standard

Plus

Premium

Executive

Hospice or Terminal Care

100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £14,000 100% up to a Lifetime limit of $20,000 100% up to a Lifetime limit of €17,000 100% up to a Lifetime limit of £140,000 100% up to a Lifetime limit of $200,000 100% up to a Lifetime limit of €170,000 100% up to a Lifetime limit of £140,000 100% up to a Lifetime limit of $200,000 100% up to a Lifetime limit of €170,000
 

Inpatient and Daycare benefits

 
Emergency+

Standard

Plus

Premium

Executive

Accommodation, operating theatre, and recovery room costs

100% 100% 100% 100% 100%

Congenital Defects

No Cover 100% 100% 100% 100%

Diagnostic Procedures

100% 100% 100% 100% 100%

Nursing

100% 100% 100% 100% 100%

Prescription Drugs and Medicines

100% 100% 100% 100% 100%

Physician, Specialist Surgeon, and Anaesthetist Fees

100% 100% 100% 100% 100%

Medical second opinion

100% 100% 100% 100% 100%

Hospital Cash Benefit

 

£70 per day up to 30 days $100 per day up to 30 days €80 per day up to 30 days £70 per day up to 30 days $100 per day up to 30 days €80 per day up to 30 days £140 per day up to 30 days $200 per day up to 30 days €170 per day up to 30 days £170 per day up to 30 days $250 per day up to 30 days €210 per day up to 30 days £170 per day up to 45 days $250 per day up to 45 days €210 per day up to 45 days

Eye surgery

100% 100% 100% 100% 100%

Organ Transplant

100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £71,000 100% up to a Lifetime limit of $100,000 100% up to a Lifetime limit of €86,000 100% up to a Lifetime limit of £350,000 100% up to a Lifetime limit of $500,000 100% up to a Lifetime limit of €430,000 100% up to a Lifetime limit of £350,000 100% up to a Lifetime limit of $500,000 100% up to a Lifetime limit of €430,000

Parental Accommodation

for children up to 16 years old

£30 per day up to 30 days $45 per day up to 30 days €40 per day up to 30 days £30 per day up to 30 days $45 per day up to 30 days €40 per day up to 30 days £100 per day up to 30 days $150 per day up to 30 days €130 per day up to 30 days £100 per day up to 30 days $150 per day up to 30 days €130 per day up to 30 days £100 per day up to 45 days $150 per day up to 45 days €130 per day up to 45 days
 

Day-Patient benefits

 
Emergency+

Standard

Plus

Premium

Executive

Day-Patient benefits

100% 100% 100% 100% 100%
 

Out-Patient benefits

 
Emergency+

Standard

Plus

Premium

Executive

Alternative medicine

No Cover No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340

Physician and Paramedic Fees

No Cover No Cover 75% up to £710 75% up to $1,000 75% up to €860 75% 100%

Diagnostics

No Cover No Cover 75% up to £710 75% up to $1,000 75% up to €860 75% 100%

Physiotherapy

No Cover No Cover 100% up to 12 sessions up to £710 100% up to 12 sessions up to $1000 100% up to 12 sessions up to €860 100% up to 12 sessions up to £710 100% up to 12 sessions up to $1000 100% up to 12 sessions up to €860 100% up to 12 sessions

Prescription Drugs and Medicines

No Cover No Cover 100% up to £710 100% up to $1000 100% up to €860 100% up to £710 100% up to $1000 100% up to €860 100% up to £710 100% up to $1000 100% up to €860
 

Cancer benefits

 
Emergency+

Standard

Plus

Premium

Executive

Cancer Treatment

100% 100% 100% 100% 100%
 

Preventative benefits

 
Emergency+

Standard

Plus

Premium

Executive

Annual Health Checks

You won't be able to claim within the first 12 months

No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340 100% up to £1,000 100% up to $1,500 100% up to €1,300

Vaccinations

No Cover 75% up to £100 75% up to $150 75% up to €130 75% up to £100 75% up to $150 75% up to €130 100% up to £170 100% up to $250 100% up to €210 100%

Well-being tests

No Cover No Cover 100% up to £320 100% up to $450 100% up to €390 100% up to £320 100% up to $450 100% up to €390 100% up to £320 100% up to $450 100% up to €390

Well-child Care

Up to 7 years of age

No Cover No Cover 100% up to £710 100% up to $1,000 100% up to €860 100% up to £710 100% up to $1,000 100% up to €860 100% up to £710 100% up to $1,000 100% up to €860
 

Maternity benefits — You won't be able to claim within the first 12 months

 
Emergency+

Standard

Plus

Premium

Executive

Maternity

No Cover 100% up to £2,100 100% up to $3,000 100% up to €2,600 100% up to £2,100 100% up to $3,000 100% up to €2,600 100% up to £10,700 100% up to $15,000 100% up to €13,000

or

100% up to £14,200 100% up to $20,000 100% up to €17,300

If both parents join together

100% up to £12,500 100% up to $17,500 100% up to €15,200

or

100% up to £17,800 100% up to $25,000 100% up to €21,700

If both parents join together

Complications of Pregnancy and Complications of Childbirth

No Cover 100% up to £7,100 100% up to $10,000 100% up to €8,600 100% up to £35,700 100% up to $50,000 100% up to €43,400 100% up to £350,000 100% up to $500,000 100% up to €430,000 100% up to £710,000 100% up to $1,000,000 100% up to €860,000

New-born Care, including Premature new-borns

No Cover 100% up to £35,700 100% up to $50,000 100% up to €43,400 100% up to £71,400 100% up to $100,000 100% up to €86,800 100% up to £107,100 100% up to $150,000 100% up to €130,400 100% up to £178,500 100% up to $250,000 100% up to €217,300
 

Dental benefits

 
Emergency+

Standard

Plus

Premium

Executive

Emergency Dental Treatment

No Cover No Cover Optional Benefit
100% up to £1,400 100% up to $2,000 100% up to €1,700
Optional Benefit
100% up to £1,400 100% up to $2,000 100% up to €1,700
100% up to £1,400 100% up to $2,000 100% up to €1,700

Routine Dental Care

No Cover No Cover Optional Benefit
75% up to £500 75% up to $700 75% up to €600
Optional Benefit
75% up to £500 75% up to $700 75% up to €600
100% up to £500 100% up to $700 100% up to €600

Restorative Dental Treatment

No Cover No Cover Optional Benefit
75% up to £1,400 75% up to $2,000 75% up to €1,700
Optional Benefit
75% up to £1,400 75% up to $2,000 75% up to €1,700
100% up to £1,400 100% up to $2,000 100% up to €1,700

Dental Crowns, Bridges, Dentures and Implants

No Cover No Cover Optional Benefit
50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700
Optional Benefit
50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700
50% up to £350 per tooth up to a maximum of £1,400 50% up to $500 per tooth up to a maximum of $2,000 50% up to €500 per tooth up to a maximum of €1,700

Orthodontic treatment for children under 18

No Cover No Cover Optional Benefit
50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700
Optional Benefit
50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700
50% up to a Lifetime limit of £1,400 50% up to a Lifetime limit of $2,000 50% up to a Lifetime limit of €1,700
 

Special and Travel benefits

 
Emergency+

Standard

Plus

Premium

Executive

Accompanying person’s Travel Expenses

100% up to maximum £3,500 100% up to maximum $5,000 100% up to maximum €4,300

Compassionate Travel and Accommodation Expenses

100% up to maximum £3,500 100% up to maximum $5,000 100% up to maximum €4,300

Elective Home Country Treatment

No Cover No Cover 100% 100% 100%

Emergency Medical Transfer or Evacuation and repatriation

100% 100% 100% 100% 100%

Medical Treatment Outside Your Area of Cover

Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year Limited to 60 days per policy year

Repatriation of Mortal Remains

100% up to £2,100 100% up to $3,000 100% up to €2,600 100% 100% 100% 100%

Road Ambulance Transportation

100% 100% 100% 100% 100%
 

Other benefits

 
Emergency+

Standard

Plus

Premium

Executive

Glasses and contact lenses

You won’t be able to claim for the first 6 months

No Cover No Cover No Cover No Cover 100% up to £280 100% up to $400 100% up to €340

Home Nursing

No Cover No Cover No Cover 100% (Max. 60 days) 100% (Max. 60 days)

Prescribed Medical Aids

No Cover No Cover No Cover No Cover 50% up to £4,200 lifetime maximum 50% up to $6,000 lifetime maximum 50% up to €5,200 lifetime maximum

Psychiatric, Drug, and Alcohol Abuse

No Cover No Cover No Cover No Cover 50% up to £3,500 (Lifetime Maximum) 50% up to $5,000 (Lifetime Maximum) 50% up to €4,300 (Lifetime Maximum)

Rehabilitation following In-Patient Treatment

No Cover No Cover No Cover 100% up to 45 days 100% up to 60 days
 

Personal Accident —Life cover for death by accident only

 
Emergency+

Standard

Plus

Premium

Executive

Death

£17,800
£10,000 block increases available. The maximum amount of cover per member is £117,800.
$25,000
$10,000 block increases available. The maximum amount of cover per member is $125,000.
€21,700
€10,000 block increases available. The maximum amount of cover per member is €121,700.