International and expatriate medical insurance

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The three options you can choose from:	Standard	Comprehensive	Prestige


Areas of cover	1,2 & 3	1,2 & 3	1,2 & 3

Policy benefit limit. We will pay up to the maximum shown each year for each member	£750,000	£1,000,000	£1,250,000

In-patient and day-patient treatment

Hospital and accommodation charges	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit

Surgeons', anaesthetists', and physicians' charges. This includes pre- and post- operative consultations whilst an in-patient or day-patient	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit

Outside area of cover	Paid in full up to six weeks treatment in any year	Paid in full up to six weeks treatment in any year	Paid in full up to 10 weeks treatment in any year

Benefit limit for USA / Canada	£10,000	£15,000	£20,000

Cash benefit for receiving private in-patient treatment at a hospital or day-patient unit in the UK not listed in the UK section of the International Directory of Hospitals	£100 each day for day-patient treatment, £100 each night for in-patient treatment	£100 each day for day-patient treatment, £100 each night for in-patient treatment	£100 each day for day-patient treatment, £100 each night for in-patient treatment

Cash benefit for each night you receive free in-patient treatment	£100 a night	£100 a night	£100 a night

Parent accommodation: This benefit is for the cost of one parent staying in hospital with a child under 18 years covered by the policy	Paid in full provided treatment is in your principal country of residence or within your area or in any UK hospital listed in the UK section of the International Directory of Hospitals.	Paid in full provided treatment is in your principal country of residence or within your area or in any UK hospital listed in the UK section of the International Directory of Hospitals.	Paid in full provided treatment is in your principal country of residence or within your area or in any UK hospital listed in the UK section of the International Directory of Hospitals.

Out-patient treatment

Surgical procedures	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit

Medical practitioner charges for consultations	Not included	£3,000 each year^1,2	£5,000 each year⁴

Consultations and treatment for psychiatric illness	Not included	£3,000 each year^1,2	£5,000 each year⁴

Diagnostic tests and physiotherapy	Not included	£3,000 each year¹	£5,000 each year⁴

Vaccinations administered by a medical practitioner	Not included	£3,000 each year¹	£5,000 each year⁴

Complementary practitioners	Not included	£3,000 each year^1,2,3	£5,000 each year^3,4

Radiotherapy and chemotherapy	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit	No annual maximum within your policy benefit limit

CT MRI and PET scans	Paid in full	Paid in full	Paid in full

Out of directory cash benefit. This benefit is payable for using a CT, MRI or PET facility in the UK that is not listed as a scanning centre in the UK section of the International Directory of Hospitals.	£100 each visit	£100 each visit	£100 each visit

Out-patient drugs and dressings prescribed by a medical practitioner	Not included	Up to £200 a year	Up to £500 a year

Pregnancy and childbirth	Not included	Not included	£4,000

Ambulance transport	Up to £500 each year	Up to £500 each year	Up to £500 each year

Evacuation or repatriation service	Paid in full	Paid in full	Paid in full

Hospital-at-home - this is for treatment provided at home or another clinically appropriate setting for the administration of intravenous chemotherapy for the treatment of cancer or intravenous antibiotics which otherwise would require you to be admitted for in-patient or day-patient treatment	Not included	Paid in full up to 14 days a year	Paid in full up to 28 days a year

Day-patient and out-patient radiotherapy and chemotherapy cash benefit. This benefit is paid for day-patient or out-patient radiotherapy or chemotherapy you receive for the treatment of cancer and only if the treatment you receive would have been eligible for benefit privately under this policy.	£50 a day up to £2000 a year	£50 a day up to £2000 a year	£50 a day up to £2000 a year

Male health screen	Not included	Not included	Up to £300 each year

Female health screen	Not included	Not included	Up to £300 each year

Eyesight test cover	Not included	Paid in full for one eyesight test each year	Paid in full for one eyesight test each year

Optical cover contribution towards the cost of prescription spectacles and contact lenses needed to correct vision	Not included	Up to £100 each year	Up to £100 each year

Dental care: We will pay 50% of the costs incurred. The maximum amount we will pay in a year is as shown	Area 1 £400 Area 2 £320 Area 3 £240	Area 1 £400 Area 2 £320 Area 3 £240	Area 1 £600 Area 2 £500 Area 3 £400

Accidental damage to teeth	Paid in full up to £10,000 for each year	Paid in full up to £10,000 for each year	Paid in full up to £10,000 for each year

Travel Insurance	Optional	Optional	Included


Disability compensation cover	Not included	Not included	Included up to £50,000

Health at Hand: 24 hour health information service	Included	Included	Included

Doctor, dental, optical helpline	Included	Included	Included

Personal Advisory Team	Included	Included	Included

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Notes

¹ These five benefits have a combined overall limit of £3,000 each year.
² There is a £20 excess for each visit for these benefits.
³ Limited to £300 each year.
⁴ These five benefits have a combined overall limit of £5,000 each year.

Please refer to your membership agreement, or contact your Personal Advisory Team if you need any clarification of what your policy provides.

Included in all of our plans:

Private ambulance

If you need to be moved to, from or between hospitals, we will pay for a private road ambulance for you.

Parent accommodation

Children under 18 on International Health Plans: who are covered by the policy will have the reassurance that if they require treatment, their parents need never be far away.

Principal exclusions from your plan

To keep premiums at an affordable level, your AXA PPP healthcare plan is primarily designed to pay for the treatment of medical conditions, including surgery, from which the patient should make a full recovery and conditions that respond quickly to treatment. Unfortunately, there are conditions from which, even with treatment, the patient may not make a complete recovery or may require ongoing, recurrent or long-term treatment. These would include, for example, diabetes or asthma. We cannot cover continued or recurrent treatment or preventative monitoring for such conditions, athough initial investigations to establish a diagnosis and in-patient treatment of acute exacerbations or complications (flare-ups) will be covered.

Routine examinations, and visits to a GP are also not covered under your plan. A full list of exclusions will be included in your document pack.