£
$

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


Short Term

Short Term Plus

Annual Maximum Healthcare Treatment

£1,000,000 $1,500,000 €1,500,000 £1,000,000 $1,500,000 €1,500,000

Area 1

Worldwide excluding USA

Area 2

Worldwide including USA

Area 3

Western Europe

Deductible per Event

£100 $150 €150

Co-Pay

Nil

Inpatient and Daycare benefits— pre-authorisation is required for all inpatient treatment


Short Term

Short Term Plus

Accommodation, Operating Theatre, and Recovery Room

100% of costs 100% of costs

Diagnostic Procedures

100% of costs 100% of costs

Hospital Cash Benefit

Non-medical expenses


— Excess does not apply

Up to £100 per day (Max. 15 days) Up to $150 per day (Max. 15 days) Up to €150 per day (Max. 15 days) Up to £100 per day (Max. 15 days) Up to $150 per day (Max. 15 days) Up to €150 per day (Max. 15 days)

Nursing

100% of costs 100% of costs

Physician, Specialist Surgeon, and Anaesthetist Fees

100% of costs 100% of costs

Prescription Drugs and Medicines

100% of costs 100% of costs

Radiotherapy, Chemotherapy, and Oncology

100% of costs 100% of costs

Surgical Appliances

100% of costs 100% of costs

Outpatient benefits — up to a combined limit of £1,000


Short Term

Short Term Plus

Non-Western and Alternative Medicine

Including chiropractic, osteopathy, Chinese herbal medicine, and acupuncture

— Excess does not apply

Not covered 100% of costs (5 sessions)

Physician and Paramedic Fees

— Excess does not apply

Not covered 75% of costs

Physiotherapy

Physician-prescribed as medically necessary

— Excess does not apply

Not covered 100% of costs (5 sessions)

Speech Therapy

Physician-prescribed as medically necessary

— Excess does not apply

Not covered 100% of costs (5 sessions)

Oculomotor Therapy

Physician-prescribed as medically necessary

— Excess does not apply

Not covered 100% of costs (5 sessions)

Ocupational Therapy

Physician-prescribed as medically necessary

— Excess does not apply

Not covered 100% of costs (5 sessions)

Prescribed Drugs

— Excess does not apply

Not covered 100% of costs

X-ray, Laboratory Tests, and Treatment

MRI scans require pre-authorisation

Not covered 75% of costs

Dental benefits


Short Term

Short Term Plus

Emergency Dental Treatment

— Excess does not apply

100% of costs 100% of costs

Additional benefits — pre-authorisation is required for all inpatient treatment


Short Term

Short Term Plus

Eye Surgery

Accidental only

100% of costs 100% of costs

Special and Travel benefits


Short Term

Short Term Plus

Emergency Medical Evacuation and Medical Repatriation

— Excess does not apply

100% of costs 100% of costs

Out-of-Area Accident or Emergency Cover

Limited to 7 days per policy year

20% Co-pay 20% Co-pay

Out-of-Hospital Network Cover

20% Co-pay 20% Co-pay

Repatriation of Mortal Remains

100% of costs up to £2,000 100% of costs up to $3,000 100% of costs up to €3,000 100% of costs up to £2,000 100% of costs up to $3,000 100% of costs up to €3,000

Emergency Medical Evacuation and Medical Repatriation

100% of costs 100% of costs