| | Variation Required |
| Overall maximum benefit | £5,000,000 $8,500,000 or €7,500,000 | |
All in-patient claims must be pre-authorised
In-patient and day-patient treatment
|
Hospital services including: diagnostics and Physicians' Specialists' and Anaesthetists' fees | | |
Treatment for cancer | | |
Treatment for chronic illness | | |
Treatment for alcohol and drug addictions | up to £10,000 or $17,000 or €15,000 over member lifetime | |
Psychiatric treatment | up to 30 nights | |
Parent accommodation | | |
Organ transplant (kidney, heart, liver and heart & lung) | up to £200,000 or $340,000 or €300,000 | |
Hospital cash benefit (if you are treated for no charge) | up to £500 or $850 or €750 each night | |
| Out-patient treatment |
Consultations and diagnostic services with doctors or specialists | | |
Treatment for cancer | | |
Monitoring and treatment of chronic conditions | | |
Post-hospital outpatient treatment (follow up) | | |
Out-patient psychiatric treatment | up to £500 or $850 or €750 | |
Out-patient surgery | | |
Prescription drugs (excluding drugs which are directly related to the treatment of cancer which are covered under the cancer benefit) | up to £3,000 or $5,100 or €4,500 | |
Vaccinations | as part of the prescription drugs benefit | |
Hormone replacement therapy (HRT) for menopausal conditions | as part of the prescription drugs benefit | |
Physiotherapy | | |
Occupational therapy | up to 7 sessions | |
Complementary therapies (Acupuncture, chiropractic, homeopathy and osteopathy) | up to £1000 or $1700 or €1500 | |
Emergency medical evacuation, transportation and medical care en-route
to the nearest suitable medical facility if you are critically ill, plus travel for an accompanying insured member if medically necessary. Return tickets are included | | |
Ambulance services | | |
Out of geographic area cover for emergency treatment | limited to a total of 6 weeks, up to £20,000 or $34,000 or €30,000 | |
Nursing at home | up to 180 days | |
Rehabilitation as an alternative to post acute care | up to 14 days | |
Hospice care | Up to 6 weeks | |
Repatriation of mortal remains or local burial costs | up to £7,500 or $12,750 or €11,250 | |
Dental treatment (following an accident) | | |
Dental treatment (routine) | up to £750 or $1275 or €1125 (£50/$85/€75 excess applies to each course of treatment) | |
Wellness Benefit | up to £500 or $850 or €750 for one medical examination, every 2 years. This benefit is only available to adult members who have maintained 2 years of continuous cover | |
Maternity care (routine) | up to £4,000 or $6,800 or €6,000 provided the mother has been a member for a continuous period of at least 10 months. No benefit is payable for the first 10 months of cover | |
Maternity care (with complications) | up to £10,000 or $17,000 or €15,000 provided the mother has been a member for a continuous period of at least 10 months. No benefit is payable for the first 10 months of cover | |
Treatment for birth defects and congenital illness | maximum of 28 days cover up to £10,000 or $17,000 or €15,000 for new born-babies when Expacare has covered the birth | |
Compassionate lump sum if AIDS is diagnosed | one £10,000 or $17,000 or €15,000 payment in member lifetime | |
Advisor/Broker Commission | 10% GWP | |
Additional benefits/features required over those shown | | |