What is insured?
An overall policy limit of £1,500,000/$2,400,000/€1,900,000
per person, per policy year.
In-patient and day-patient treatment
No annual maximum within the overall policy limit for
hospital charges, including charges for psychiatric
treatment (up to 100 days for lifetime of policy),
accommodation and diagnostic tests.
No annual maximum within the overall policy limit for
surgeons’, anaesthetists’ and physicians’ charges.
Up to six weeks treatment within the overall policy limit for
emergency treatment needed in the USA, limited to a total
of £15,000/$24,000/€19,125. Only applicable if USA cover is
not chosen.
Hospital accommodation paid in full within your area of
cover for one parent to stay with a child under 18.
Hotel accommodation paid up to £100/$160/€125 a night
up to £500/$800/€625 a year for a parent to stay nearby
when a child is receiving eligible treatment at a hospital
that is not in their home town.
No annual maximum within the overall policy limit for
cancer treatment, including radiotherapy and
chemotherapy.
Out-patient treatment
No annual maximum within the overall policy limit for
surgical procedures.
No annual maximum within the overall policy limit for CT,
MRI and PET scans.
Up to £500/$800/€635 for drugs and dressings.
Up to £3,500/$5,600/€4,460 in total for:
o Medical practitioner fees
o Psychiatric treatment
o Diagnostic tests
o Physiotherapy treatment
o Up to £300/$480/€380 for vaccinations and their
administration (out of combined limit)
o Up to £300/$480/€380 for complementary practitioner fees (out of combined limit)
Other benefits
No annual maximum within the overall policy limit for
emergency or medically necessary ambulance transport.
Emergency evacuation or repatriation.
Up to £25,000/$40,000/€31,875 for kidney dialysis required
due to chronic kidney failure.
Up to £10,000/$16,000/€12,750 for accidental damage to
teeth.
50% of the cost up to £320/$510/€405 for non-routine
dental treatment.
Access to a Virtual Doctor service for unlimited video
appointments and telephone consultations.
Optional cover
Dental treatment upgrade:
o 80% of the cost up to £1,000/$1,600/€1,275.
