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Individual Policy Benefits

We understand the importance of choosing the right plan to meet your requirements and budget. From our Introductory cover level through to our comprehensive health plans our four levels of cover combine first class benefits with great value for money.

£1,000,000/$1,700,000/€1,300,000
OVERALL MAXIMUM AGGREGATE LIMIT PER INSURED PERSON PER CERTIFICATE PERIOD
INDIVIDUAL PLAN BENEFIT SCHEDULE International International Plus Executive Executive Plus
Overall maximum aggregate limit
per insured person per certificate period
£1,000,000
$1,700,000
$1,300,0000
£1,000,000
$1,700,000
$1,300,0000
£1,000,000
$1,700,000
$1,300,0000
£1,000,000
$1,700,000
$1,300,0000
INPATIENT TREATMENT BENEFITS
Hospital Services:
  • Accommodation and meal charges
  • All inpatient treatment
  • Physician Fees
  • Surgeon and Anaesthetist Fees
  • Intensive Care Unit charges
Full Refund Full Refund Full Refund Full Refund
Hospital Cash Benefit
Where inpatient treatment is provided free of charge
£250/$425/€325 per night
Max 30 days
£250/$425/€325 per night
Max 30 days
£250/$425/€325 per night
Max 30 days
£250/$425/€325 per night
Max 30 days
Parental Accommodation
When an insured child up to age 17 years is in hospital
Full Refund Full Refund Full Refund Full Refund
Daycare Surgery
Where a period of recovery is required in Hospital
Full Refund Full Refund Full Refund Full Refund
Inpatient Psychiatric Treatment
Pre-authorised treatment in a psychiatric unit,
available after one year of cover
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Full Refund
Max 30 Days
Reconstructive Surgery
To restore appearance/function following an accident/illness that
occurred whilst covered by a MediCare Plan
Full Refund Full Refund Full Refund Full Refund
Accident and Emergency Room Services Full Refund Full Refund Full Refund Full Refund
Organ and Bone Marrow Transplant and Stem Cell Treatment
Kidney, heart, heart-lung, liver, bone marrow and stem cell
Up to £100,000/
$170,000/€130,000
Up to £100,000/
$170,000/€130,000
Up to £100,000/
$170,000/€130,000
Up to £200,000/
$340,000/€260,000
Internal Prostheses, Medical Aids and Devices
which are required intra-operatively
Full Refund Full Refund Full Refund Full Refund
Hospice Care
Palliative care in a hospice
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Full Refund
Max 15 Days
Local Road Ambulance Services Full Refund Full Refund Full Refund Full Refund
POST HOSPITAL TREATMENT BENEFITS
Post Hospital Treatment
Consultations and treatment received within 90 days
of inpatient treatment
Up to £500/
$850/€650
Covered under
Outpatient Services
Covered under
Outpatient Services
Covered under
Outpatient Services
Rehabilitation Care
To restore health and mobility after injury or illness
£100,000/$170,000/
€130,000 lifetime limit
£100,000/$170,000/
€130,000 lifetime limit
£100,000/$170,000/
€130,000 lifetime limit
£100,000/$170,000/
€130,000 lifetime limit
External Prostheses, Medical Aids and Devices
which are medically required following Hospital Services,
Daycare Surgery or Accident and Emergency Room treatment
Up to £250/
$425/€325
Up to £500/
$850/€650
Up to £750/
$1,275/€975
Up to £1,000/
$1,700/€1,300
CANCER TREATMENT
Oncology, Chemotherapy and Radiotherapy
Treatment, consultations and diagnostics received
as an inpatient, day patient and outpatient
Full Refund Full Refund Full Refund Full Refund
EMERGENCY MEDICAL EVACUATION
Emergency Medical Evacuation
Pre-authorised evacuation costs for acute medical conditions
where local medical facilities are inadequate
Full Refund Full Refund Full Refund Full Refund
Emergency Medical Evacuation – Supplementary Expenses
  • Costs of travel to return to place of origin
  • Hotel accommodation costs for companion
Economy air ticket
up to 12 nights
Economy air ticket
up to 12 nights
Economy air ticket
up to 12 nights
Economy air ticket
up to 12 nights
Compassionate Home Travel
in the event of death of a close relative,
available after one year of cover
One return economy
air fare
One return economy
air fare
One return economy
air fare
One return economy
air fare
Repatriation or Local Burial
where death occurs outside the Home Country
not available to applicants aged over 65
Up to £7,500/$12,750/
€9,750
Up to £7,500/$12,750/
€9,750
Up to £7,500/$12,750/
€9,750
Up to £10,000/$17,000/
€13,000
OUTPATIENT TREATMENT
MRI and CT Scans Full Refund Full Refund Full Refund Full Refund
Outpatient Services
  • General Physician fees
  • Specialist and Consultant fees
  • Prescription Drugs
  • X-Rays, diagnostic and pathology tests
  • Physiotherapy
Not Covered Full Refund
£100/$170/€130
excess per claim*
Full Refund
£100/$170/€130
excess per claim*
Full Refund
£100/$170/€130
excess per claim*
Complementary Therapies
Osteopathy, Chiropractic, Homeopathy and Acupuncture
Outpatient Psychiatric Treatment
when referred by a Physician, available after one year of cover
Not Covered Not Covered Not Covered Up to £750/$1,275/€975
20% coinsurance
Nursing at Home
when prescribed by a Physician
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks
Full Refund
up to 26 weeks
DENTAL TREATMENT
Dental Treatment following Accident
to restore or repair sound natural teeth
Full Refund Full Refund Full Refund Full Refund
Routine Dental Treatment Not Covered Not Covered Up to £500/$850/€650
20% coinsurance
Up to £500/$850/€650
20% coinsurance
MATERNITY CARE
Normal Pregnancy
available after one year of cover
Not Covered Not Covered Up to
£5,000/$8,500/€6,500
Up to
£10,000/$17,000/€13,000
Complicated Pregnancy
available after one year of cover
Not Covered Not Covered Up to
£10,000/$17,000/€13,000
Up to
£25,000/$42,500/€32,500
Newborn Care
applicable when a newborn child is enrolled within 14 days
Up to £5,000/
$8,500/€6,500
Up to £5,000/
$8,500/€6,500
Up to £5,000/
$8,500/€6,500
Up to £5,000/
$8,500/€6,500
WELLBEING BENEFIT
Childhood Vaccinations Not Covered Not Covered Not Covered Up to£150/$255/€195
Wellness Benefit
Routine preventative health checks, available after
two years of cover
Not Covered Not Covered Up to £500/$850/€650
20% coinsurance
Up to £500/$850/€650
20% coinsurance
ADDITIONAL BENEFITS
HIV/Aids Benefit
available after two years of cover
£10,000/$17,000/€13,000
lifetime limit
£10,000/$17,000/€13,000
lifetime limit
£10,000/$17,000/€13,000
lifetime limit
£10,000/$17,000/€13,000
lifetime limit
Chronic Condition Treatment Covered within
listed benefits
Covered within
listed benefits
Covered within
listed benefits
Covered within
listed benefits
Out of Area Cover
For emergencies or acute episodes
of existing covered conditions
Max 30 days up to
£20,000/$34,000/€26,000
Max 30 days up to
£30,000/$51,000/€39,000
Max 30 days up to
£40,000/$68,000/€52,000
Max 30 days up to
£50,000/$85,000/€65,000

*Course of treatment per diagnosed medical condition

Excess Options

You can select a voluntary excess which will be applied per Certificate period, before any reimbursement is made. This will reduce the premium payable.

£500/$850/€650

10% premium reduction

£1,000/$1,700/€1,300

20% premium reduction

£5,000/$8,500/€6,500

35% premium reduction

£10,000/$17,000/€13,000

50% premium reduction

The Executive Plus Plan can be further enhanced by paying an additional premium to removed the £100/$170/€130 excess on claims for Outpatient Services.

Geographical Area of Cover

Area 1. Worldwide excluding USA & Caribbean.

Area 2. Worldwide