What is insured?
An overall policy limit of £5,000,000/$8,000,000/€6,375,000
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 ten weeks treatment within the overall policy limit for
emergency treatment needed in the USA, limited to a total
of £30,000/$48,000/€38,250. 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:
o Surgical procedures, CT, MRI and PET scans, Drugs and
dressings, Medical practitioner fees, Diagnostic tests
o Psychiatric treatment, up to a maximum of 30 sessions
per policy year
o Physiotherapy treatment, up to a maximum of 35
sessions per policy year
o Complementary practitioner fees, up to a maximum of 35
sessions per policy year.
Up to £500/$800/€635 for vaccinations and their
administration.
Up to £2,000/$3,200/€2,550 per policy year for emergency
out-patient treatment in the USA. Only applicable if the USA
cover is not chosen.
Up to £100/$160/€125 per session for up to 15 sessions per policy year for Chinese herbal medicine.
Other benefits
No annual maximum within the overall policy limit for
emergency or medically necessary ambulance transport.
Emergency evacuation or repatriation.
Up to £75,000/$120,000/€95,625 for kidney dialysis required
due to chronic kidney failure.
Antenatal and postnatal consultations, screening and
monitoring and routine childbirth up to
£12,000/$19,200/€15,300.
Up to £10,000/$16,000/€12,750 for accidental damage to
teeth.
80% of the cost up to £3,500/$5,600/€4,450 for dental
treatment.
Access to a Virtual Doctor service for unlimited video
appointments and telephone consultations.
