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Private medical insurance
Wha are the benefit's of medical insurance policy?
So you can make an informed decision, we like to make it really clear what is - and what isn't - included in your employees' international medical insurance.
| Benefits | Prestige | Comprehensive | Standard |
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| Policy benefit limit per year. | £1,250,000 | £1,000,000 | £750,000 |
| In-patient and day-patient treatment | |||
| Hospital charges for treatment in your principal country of residence or within your area or in any United Kingdom hospital listed in the UK section of the International Directory of Hospitals. |  |
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| Surgeons', anaesthetists', physicians and consultation fees, diagnostic tests and physiotherapy. | |
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| Radiotherapy/chemotherapy. | |
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| Out-patient treatment | |||
| Surgical procedures. | |
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| Radiotherapy/chemotherapy. | |
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| Computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission tomography (PET) . | |
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| Out-patient drugs and dressings. | |
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| The four benefits detailed below have a combined annual limit of £5,000 for each person covered on Prestige and £3,000 for each person covered on Comprehensive. Complementary practitioner charges are also limited to a maximum of £300 per year. | |||
| Medical practitioner consultation charges. | |
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| Diagnostic tests and physiotherapy. | |
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| Travel and childhood vaccinations when administered by a medical practitioner. | |
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| Complementary practitioner services. | |
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| Additional benefits | |||
| Evacuation or repatriation service. | |
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| Normal pregnancy and childbirth after 10 months cover. | Up to £10,000 | Up to £3,000 (80% of cost). This is an optional benefit and only available to groups of 10 or more. Please check that your company has included this benefit. | |
| Dental care. We will pay up to 50% of the cost incurred. Further benefit limits also apply. | |
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| Day-patient and out-patient radiotherapy and chemotherapy cash benefit of £50 per day. | Up to £5,000 | Up to £5,000 | Up to £5,000 |
| Travel insurance. | |
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Areas of cover (available on all plan options):
- Area 1 = worldwide cover
- Area 2 = worldwide cover (excluding the USA & Canada)
- Area 3 = Europe and other specified countries
What are the main exclusions and limitations of the International Health Plan?
As with all insurance policies, general exclusions apply. The following is a summary of the main exclusions and limitations of the policy.
| What are the main exclusions and limitations of cover? |
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| If you have Standard there is no cover for out-patient physiotherapy, medical practitioner charges for out-patient consultations and complementary practitioner charges. |
| Treatment of injuries sustained from playing professional sport or from any activity listed as one of the sports not covered. |
The following dental treatments:
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| If you have Standard cover or your company has not chosen this benefit option, routine pregnancy and childbirth. |
| Ongoing, recurrent or long-term treatment of long term illnesses (usually referred to as 'chronic conditions'). |
| If you have Standard cover, out-patient psychiatric treatment. |
| For treatment in UK, any in-patient or day-patient treatment, MRI, CT or PET scans or cataract surgical procedures not received in a hospital, scanning centre or facility listed in the Directory of Hospitals. |
| We pay most fees in full, but we only pay charges up to the average level if the person treating has in the past charged fees outside the range that is usual for the treatment they provide. |
| Claims if you have travelled outside your area of cover to get treatment or travelled against medical advice. |