International Solutions for Individuals. Clear, flexible private healthcare if you re living or working overseas

Transcription

1 Interntionl Solutions for Individuls Extr pece of mind with our Interntionl Solutions pp Cler, flexible privte helthcre if you re living or working overses

2 2 Interntionl Solutions for Individuls Why choose Aviv? It s ll bout mking sure you hve ccess to high qulity helthcre while you re living or working overses. Tht, nd hving the support of n insurnce provider you cn trust, which mtters just s much s hving the right kind of cover in plce. Aviv Helth UK is prt of the Aviv group. Aviv is one of the world s leding insurnce compnies with presence in 16 countries round the world. We re lso the lrgest single insurnce provider in the UK. Aviv s products help 34 million customers to enjoy the pece of mind tht comes from mnging the risks of everydy life in mny different forms. At Aviv Helth UK, we combine fnncil strength nd corporte effciency with in-depth clinicl expertise. As prt of n interntionl business, we understnd tht every country is different nd every exptrite hs individully different needs when it comes to tking cre of their helth. Our worldwide network of locl knowledge is the key to giving you the pece of mind tht wherever you re you cn ccess the medicl expertise nd locl knowledge you need, 24 hours dy, 365 dys yer. Awrd-winning cover Over the yers, we hve won mny wrds for both our products nd service: Helth Insurnce Awrds: Helth Insurnce Compny of the Yer 2010, 2011, 2012, 2013, 2014 Best Individul Interntionl PMI Provider 2013 Best Customer Service by Provider 2012 nd 2013 Most Innovtive New Product 2012 for Emirtes Interntionl Solutions Best Individul PMI Provider 2011 nd 2013 Best Group PMI Provider 2010, 2011, 2012, 2013, 2014 Corporte Adviser Awrds Best Helthcre Provider 2013 Perhps tht s nother reson so mny people trust us while they re bsed overses. If there s nything you d like to know, plese contct your fnncil dviser or, if you would like to spek to us directly, the Interntionl Direct tem on (or from outside the UK), or emil interntionl.sles@viv.co.uk. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded.

3 Interntionl Solutions for Individuls 3 Contents At glnce...5 Globl cover with Interntionl Solutions...6 Choose your cover...8 Round the clock support...16 Mking climing esy...20 Underwriting options...22 Wht s next...24 Policy summry...26 Further informtion...42

4 4 Interntionl Solutions for Individuls Flexible worldwide helthcre When you re living or working brod there s lredy lot to think bout, but you wnt to be sure of getting the tretment nd cre you need, when you need it. Locl helthcre cn be expensive nd, in some res, there my be ccess to only the most bsic medicl fcilities. With Interntionl Solutions in plce, you ll be protected nd supported by helthcre experts wherever you re. Pece of mind for you, wherever you re Interntionl Solutions is fexible privte medicl insurnce policy tht covers you whilst you re working or living brod for six months or more, providing ccess to network of high qulity helthcre fcilities worldwide. You will hve ccess to n emergency medicl helpline tht s open 24 hours dy, 365 dys yer. Whenever it s needed, we will rrnge medicl tretment, or even ir evcution if mediclly necessry. We cn liise with doctors, provide trnsltion services, even pss informtion to fmilies bck home so you cn focus on getting better. We offer round the clock support our 24 hour medicl helplines men tht helth queries cn be nswered night nd dy.

5 Interntionl Solutions for Individuls 5 Interntionl Solutions t glnce A fexible policy tht you cn shpe to ft your budget Extensive benefts s stndrd with 5 million cover nd extr options you cn dd or remove Access to interntionl helthcre support 24 hours dy, 365 dys yer All round medicl support with the Interntionl Solutions Expt Helth pp Evcution to n pproprite fcility if tretment isn t vilble loclly Esy clims process Cover from leding insurnce compny with worldwide presence

6 6 Interntionl Solutions for Individuls Globl cover with Interntionl Solutions Interntionl Solutions is modulr policy with globl rech. So you cn choose where you d like us to provide cover nd then be confdent tht Aviv will be ble to support you, wherever you re bsed. With Interntionl Solutions it s esy simply choose between two res of cover: Worldwide cover Worldwide cover excluding the USA nd Cribben If you choose Worldwide cover excluding the USA nd Cribben, you ll still beneft from up to 60 dys emergency cover for holidys nd business trips in the USA nd Cribben (for the purposes of the policy, the USA nd Cribben lso includes the Ascension Islnds nd Cost Ric). Our prtners round the world help us mke sure tht you cn get pproprite tretment wherever nd whenever you need it. Our USA nd Cribben cover includes the following countries: Anguill Antigu nd Brbud Ascension Isles Bhms Brbdos Bermud Cymn Islnds Cost Ric Cub Dominic Dominicn Republic Dutch Antilles Grend Gudeloupe Hiti Jmic Montserrt Puerto Rico St Kitts & Nevis St Luci St Mrtin St Vincent nd the Grendines Trinidd & Tobgo Turks nd Cicos Islnds United Sttes of Americ Virgin Islnds (British nd US) The Netherlnds If you live in the Netherlnds, under Dutch lw, you re normlly required to tke out Dutch ntionl helth insurnce. This cover hs to be provided by Dutch insurer nd will give you comprehensive medicl cover for tretment in the Netherlnds. With tht in mind, we re collborting with OZF Achme, one of the leding Dutch helthcre insurers. This mens you cn be covered by locl Dutch insurer, nd lso beneft from the cover provided by Interntionl Solutions if you trvel outside the Netherlnds t discounted rte. If you will be living in the Netherlnds, plese see our Netherlnds Guide, spek to your fnncil dviser, or if you would like to spek to us directly, the Interntionl Direct tem on (or from outside the UK) or emil interntionl.sles@viv.co.uk. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded.

7 Interntionl Solutions for Individuls 7 The Gulf included within worldwide cover In the Gulf, helthcre regultions re more complex. This mens cover often hs to be provided by loclly licensed insurnce provider. Tht s why we ve developed Gulf Solutions policy exclusively ctering for nyone living or working in Bhrin, Jordn, Omn or the United Arb Emirtes (UAE). Working with locl providers, our policy gives you levels of cover tht re pproprite to the territory in which you re living nd you ll lso beneft from wide rnge of fetures if you trvel outside this region. If you re living or working in Bhrin, Jordn, Omn or the United Arb Emirtes (UAE), plese refer to our Gulf Solutions guide for more detils on how regultory requirements could ffect you nd how we cn help. If there s nything you d like to know, plese contct your fnncil dviser or, if you would like to spek to us directly, the Interntionl Direct tem on (or from outside the UK), or emil interntionl.sles@viv.co.uk. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded.

8 8 Interntionl Solutions for Individuls Interntionl Solutions choose your cover When you know where you re going, it s time to think bout the level of cover you d like us to include in your policy. Your core cover At the hert of our policy there s core rnge of benefts, designed to give you extensive cover, wherever you re. These include the services you d expect, such s high qulity tretment if you re ill or hve n ccident, 24 hour medicl ssistnce nd evcution to n pproprite fcility if tretment isn t vilble loclly. There re lso extr benefts tht you my not hve considered before such s enhnced cncer cover nd opticl cover. Options to increse cover levels One gret dvntge of Interntionl Solutions is its fexibility. You cn increse the levels of cover in your policy, nd dd extr benefts such s Wellbeing, Dentl, Additionl Out-ptient & Alterntive Therpies, Reptrition & Compssionte Trvel or Mternity cover options. Plese see pges for more informtion. Upgrding your policy will increse your premium. Options tht cn reduce your premium Interntionl Solutions doesn t hve mndtory excess, which is gret news for you, but if you d prefer, you cn reduce your premium by dding n Excess to the policy. You cn lso reduce costs by removing some benefts, such s reducing the level of out-ptient cover or choosing our Essentil Everydy Helthcre option. See pges for more detils.

9 Interntionl Solutions for Individuls 9 How it works Interntionl Solutions gives you the fexibility to choose the cover you need. Here s guide to how it works. enhnce cover Dentl nd Dentl Plus Additionl Out-ptient & Alterntive Therpies Mternity nd Mternity Plus Condition Mngement Everydy Helthcre Evcution & Emergency Assistnce core cover Add n Excess In & Dyptient Cre Annul beneft limit of 5m or $8m Additionl Benefts Interntionl Cncer Pledge Out-ptient Cre Essentil Everydy Helthcre reduce costs Remove Everydy Helthcre Reptrition & Compssionte Trvel Essentil Out-ptient Wellbeing

10 10 Interntionl Solutions for Individuls The core cover Whtever shpe your policy tkes, we ll include rnge of core benefts s stndrd (shown in the digrm below). This is summry of these benefts. The full list of benefts nd cover provided is shown on pges 27 to 38. Evcution & Emergency Assistnce Worldwide emergency evcution nd tretment. In & Dyptient cre Qulity tretment if you re ill or hve n ccident. Condition Mngement Including cover for the cute phses of chronic conditions. Everydy Helthcre For the cover you d expect from your fmily doctor. core cover Annul beneft limit of 5m or $8m Additionl Benefts Further benefts, including 24/7 medicl informtion helpline. Interntionl Cncer Pledge Extensive cover nd support t every stge of tretment. Out-ptient Cre Consulttions with specilist nd dignostic tests. Our Interntionl Cncer Pledge We understnd the importnce of providing extensive cover nd support t every stge of cncer tretment. Our cncer pledge mens we ll cover the tretment nd pllitive cre recommended by n oncology specilist. We ll lso mke things s comfortble s possible fter tretment, so there s cover for ftercre tht includes contribution towrds the cost of prostheses nd wigs. Plese be wre tht stem cell tretment will not be covered. Plese see pge 32 for detils bout the cover provided. Cover for chronic conditions Most privte medicl insurnce products pprove clims for short-term conditions often referred to s being cute. Interntionl Solutions will cover routine mintennce of longer term chronic conditions under the Everydy Helthcre option plese see pge 29 for detils bout this beneft.

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12 12 Interntionl Solutions for Individuls Options to increse your cover levels Everyone s needs re different nd this cn depend on where you re living or working, we understnd tht. If you d like to increse your policy s cover levels, you cn dd more benefts (shown in green). Selecting enhnced cover levels will increse your premium. enhnce cover Dentl nd Dentl Plus Additionl Out-ptient & Alterntive Therpies Mternity nd Mternity Plus Condition Mngement Everydy Helthcre Evcution & Emergency Assistnce core cover Annul beneft limit of 5m or $8m In & Dyptient Cre Interntionl Cncer Pledge Out-ptient Cre Additionl Benefts Reptrition & Compssionte Trvel Wellbeing

13 Interntionl Solutions for Individuls 13 Mternity If you choose to dd Mternity or Mternity Plus to your policy, you ll be covered during pregnncy nd childbirth, including pre- nd post-ntl cre nd newborn cover. Our mternity options lso provide cover for investigtions into the cuse of infertility. You ll fnd more detils bout these options on pge 33. Dentl Stying on top of everydy helthcre cn mke big difference to life overses. If you choose Dentl cover, we ll py towrds the cost of routine dentl check ups nd dentistry such s X-rys nd fllings. We ll lso py towrds complex dentistry such s porcelin crowns nd cps, extrctions nd dentl surgery, s well s orthodontic tretment for children. We offer two levels of dentl cover, Dentl nd Dentl Plus, so you cn choose the right level of beneft for you nd your fmily. You ll fnd more detils bout the levels of cover provided by both on pges 34 & 35. Dentl cover in the USA If you select either of the Dentl options nd re bsed in the USA, you will hve ccess to DenteMAX, dentl network of over 200,000 dentists. This llows you to get discounted tretment, nd in most cses we ll settle bills directly with the dentist. Additionl Out-ptient & Alterntive Therpies By dding this option to your policy, you cn ccess extr support to help you recover your helth, such s psychitric tretment nd out-ptient rehbilittion. We ll lso py towrds lterntive therpies such s cupuncture, yurvedic, Chinese nd homeopthic medicine. Plese note: You cnnot choose this option if you choose the Essentil Out-ptient option. Reptrition & Compssionte Trvel If you need tretment tht isn t vilble loclly, we ll rrnge evcution to the nerest fcility, even if tht s in different country. But if you choose the Reptrition & Compssionte Trvel option, you cn choose to be reptrited to your country of residence or ntionlity, provided tht country is in the re covered by the policy. You cn lso use this beneft to py towrds fight home to recuperte, once you re ft enough to trvel lone. You ll lso beneft from further support in the event of fmily emergencies. You ll fnd further informtion bout the benefts included under this option on pge 36. Wellbeing There s more to n Interntionl Solutions policy thn simply providing high qulity cre if things go wrong. We d like to help you sty s helthy s possible while you re overses. This option includes cover towrds the cost of certin routine nd other physicl exmintions, such s mmmogrms nd prostte screenings, hering tests nd dieticin tests. Better still, we now py towrds the cost of trvel vccintions for leisure purposes s well s business trvel. Plese see pge 34 for more detils.

14 14 Interntionl Solutions for Individuls Options tht cn reduce your premium In some prts of the world you cn ccess stte-funded services for tretment or cre. With tht in mind, Interntionl Solutions lets you choose options tht cn reduce your premium. These re shown in the blue section of the digrm. Add n Excess reduce costs Condition Mngement Everydy Helthcre Evcution & Emergency Assistnce core cover Annul beneft limit of 5m or $8m In & Dyptient Cre Interntionl Cncer Pledge Out-ptient Cre Essentil Everydy Helthcre Remove Everydy Helthcre Additionl Benefts Essentil Out-ptient

15 Interntionl Solutions for Individuls 15 Add n Excess Becuse we know tht cost cn be priority, you cn reduce your premium by dding n Excess for out-ptient tretment to your policy. With 100 Excess for exmple, you d be responsible for pying the frst 100 for tretment under the Tretment s n Out-ptient option (see pge 28), the Essentil Out-ptient option (see pge 37) nd the Additionl Out-ptient & Alterntive Therpies option (see pge 35). Essentil Everydy Helthcre With this in plce, you d still be covered for some of the benefts under Everydy Helthcre, including consulttions with fmily doctor, but other benefts would be removed. Plese see pge 38 for further informtion. Remove Everydy Helthcre To help reduce the cost of your policy, or if you re confdent tht locl helthcre fcilities would be enough to meet your needs, you my decide to remove the Everydy Helthcre cover from your policy. Essentil Out-ptient cover This option cn help lower your premium by reducing your level of out-ptient cover, to give mximum beneft of 3,000. However, rdiotherpy/chemotherpy, cncer tretment, CT, MRI nd PET scns would still be covered in full. Plese see pge 37 for more detils.

16 16 Interntionl Solutions for Individuls Worldwide support round the clock Your welfre is our top priority. Whenever you need our help, we ll be there 24 hours dy, 365 dys yer. At the time of press, StndbyMD is vilble in: 24 hour medicl emergency ssistnce You cn cll our emergency medicl helpline. It s open 24 hours dy, 365 dys yer. Whenever you need it, we ll rrnge medicl tretment, dmission to hospitl, mbulnce trnsfers or even ir evcution when mediclly necessry. We ll liise with doctors, provide trnsltion services, nd even pss informtion to your fmily bck home so tht you cn focus on getting better. 24 hour medicl dvice Even if it isn t n emergency, there my still be times when you need medicl ssistnce out of hours, hve medicl query or simply cn t get hold of locl medicl prctitioner. We ve temed up with StndbyMD to give you ccess to network of medicl providers in 86 countries round the world, including mjor cities in the USA. StndbyMD gives you the extr ressurnce of: 24/7 phone ccess to physicin Home visits by physicin in selected cities Physicin co-ordintion to n emergency room Medicl referrls to medicl specilists, chiroprctors, dentists, wlk-in clinics, urgent cre centres or hospitls for evlution nd tretment. 24 hour secure online ccess to medicl records As n Interntionl Solutions customer, you ll hve free ccess to MyHelthPssport. This online service cn store your medicl records, nd other importnt documents securely online. It s up to you who hs ccess to those detils (such s trusted medicl prctitioners or fmily members). So you ll hve the ressurnce of knowing your medicl records nd other importnt documents re lwys on hnd, wherever you re in the world. Andorr, Argentin, Arub, Austri, Bhrin, Belgium, Bolivi, Bosni, Brzil, Bulgri, Burkin Fso, Cmeroon, Cnd, Chile, Chin, Colombi, Cost Ric, Croti, Cyprus, Czech Republic, Denmrk, Dominicn Republic, Ecudor, Equtoril Guine, Egypt, El Slvdor, Finlnd, Frnce, Germny, Ghn, Greece, Guteml, Guine Conkry, Hungry, Hondurs, Indi, Indonesi, Irn, Irelnd, Isrel, Itly, Jpn, Jordn, Keny, Ltvi, Lebnon, Liberi, Liby, Luxembourg, Mli, Mlt, Mexico, Mongoli, Montenegro, Morocco, Netherlnds, Nicrgu, Norwy, Pnm, Peru, Philippines, Polnd, Portugl, Puerto Rico, Qtr, Russi, Sn Mrino, Sudi Arbi, Senegl, Serbi, Singpore, Sloveni, South Afric, South Kore, Spin, Sweden, Switzerlnd, Syri, Tnzni, Thilnd, Tunisi, Turkey, United Arb Emirtes, USA, UK, Venezuel nd Vietnm. (see for the ltest list)

17 Interntionl Solutions for Individuls 17 Even more support with the Interntionl Solutions Expt Helth pp As n Interntionl Solutions customer, you ll hve free ccess to our Interntionl Solutions Expt Helth pp, so it s esy to ccess the medicl support provided by your Interntionl Solutions policy, wherever you go. You cn esily ccess worldwide emergency ssistnce numbers nd informtion on how to clim, mnge your medicl records on MyHelthPssport nd, if you choose, shre them with your doctors worldwide 24/7. The pp mkes personl, medicl records esy to ccess in n emergency, but still keeps them privte. And you cn rest ssured tht, unless you grnt ccess, neither Aviv nor nyone else will hve ccess to your personl informtion. Avilble to downlod from the Apple store nd Google ply store Comptible with ios 7.1 & bove nd Android version 4 & bove

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19 Interntionl Solutions for Individuls 19 Excellent cre, where you need it Helthcre provision vries round the world. Tht s why, in some res, we enlist the expertise of compnies with region-specifc experience. In the USA We ve temed up with Olympus, mrket leder in helthcre clims mngement to help us mke sure you hve ccess to medicl provider networks cross the USA. Olympus liises with members to mke rrngements for medicl tretment, which mens you shouldn t need to py directly for helthcre in the vst mjority of cses nd invoices will be settled directly for eligible costs. This service is vilble if you re bsed in the USA nd trvelling to the USA on holidy or for business, under the 60 dys emergency cover. You will hve ccess to: 525,000 physicins nd 6,000 hospitls in the USA A 24/7 free helpline for dvice on medicl queries An online serch fcility to fnd medicl providers A phrmcy network of up to 57,000 phrmcies in the USA, including over 20,000 independent community phrmcies CVS phrmcy discounts. If you choose either of the dentl options, nd you re bsed in the USA, you ll lso hve ccess to DenteMAX, dentl network of over 200,000 dentists. In the Gulf Our Gulf Solutions policy offers specifc support in Bhrin, Jordn, Omn nd the United Arb Emirtes. Plese spek to your fnncil dviser, or if you would like to spek to us directly, the Interntionl Direct tem on , ( from outside the UK), or emil interntionl.sles@viv.co.uk. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded. The Coventry Helth Cre network gives ccess to USA-wide medicl network If you re bsed in New York stte, you cn ccess the MgnCre medicl network

20 20 Interntionl Solutions for Individuls We mke it esy to mke clim If things go wrong overses, you need the right kind of help nd the confdence your policy is with provider who understnds the locl sitution nd will tke cre of everything for you. We mke sure the focus is on getting better, not getting the pperwork done. We re globl brnd, but we believe it s our locl knowledge nd experience tht relly mkes difference. It s the reson we ve creted such strong, close working reltionships with locl clims mngement compnies nd medicl ssistnce providers so we cn be confdent of giving you the best possible support nd helthcre, when nd where it s needed. In the USA, you ll hve ccess to over 6,000 hospitls nd 525,000 physicins through our unique reltionship with Olympus mnged helthcre. There s no chrge to use the helpline or to fnd the closest medicl fcilities. The vst mjority of helthcre in the USA cn be ccessed without hving to py up-front, s invoices re settled directly for eligible costs. If you re bsed in the USA nd hve the Dentl or Dentl Plus options, you will hve ccess to DenteMAX, dentl network of over 200,000 dentists. By using dentists in this network, you will receive discounted tretment nd in most cses we will settle bills directly with the dentist. We ve temed up with StndbyMD to mke sure you hve ccess to qulifed medicl prctitioners 24 hours dy, 7 dys week. StndbyMD opertes phone bsed service s well s providing the dded beneft of homebsed visits in certin cities. Due to locl regultions in the Gulf, we hve prtnered with NAS Administrtion Services to give you the best possible level of clims support in this region. Operting throughout the Gulf region, NAS is best-in-clss clims mngement provider, with network of over 2,000 helthcre fcilities. They ll mnge ny clims you mke, providing direct settlement in the vst mjority of cses, including for dentl nd opticl clims.

21 Interntionl Solutions for Individuls 21 CEGA We work with CEGA to ensure tht, wherever you re in the world you ll hve ccess to emergency ssistnce if you need it 24 hours dy, 365 dys yer. Whtever country you re in, CEGA s multi-lingul stff will provide emergency dvice nd medicl expertise liising with doctors nd hospitls, providing trnsltion services, rrnging mbulnce trnsfers nd even ir evcution if mediclly necessry. Together with these orgnistions, we re ble to provide support nd guidnce throughout the clims process. Our close network of locl providers mens tht we re better ble to control costs, mnge frud nd, bove ll, provide support to you when you need it most.

22 22 Interntionl Solutions for Individuls Underwriting There re three types of underwriting you cn choose from. The option you choose will determine how we del with pre-existing medicl conditions. Full Medicl Underwriting This mens tht we sk you bout your pst helth. Any pre-existing medicl conditions nd relted conditions will be excluded unless we gree to ccept them. Medicl History Disregrded This mens tht we do not pply ny personl medicl exclusions s result of pre-existing conditions. Continued Medicl Exclusions If you re trnsferring from nother recognised interntionl insurer with equivlent cover, we my ccept the sme personl medicl exclusions, if ny, tht were pplied to your previous policy. Current certifctes from your existing insurer will need to be supplied, nd the switch section of the Interntionl Solutions ppliction form must be completed. Continued Medicl Exclusion terms my not be offered in some circumstnces. Plese note: If your previous insurer loded your premium insted of excluding conditions, you my need to be fully mediclly underwritten.

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24 24 Interntionl Solutions for Individuls Wht s next? We ve expnded on the detils of this policy in the Policy Summry section of this brochure. But if there s nything else you d like to know, plese spek to your fnncil dviser or if you would like to spek to us directly, the Interntionl Direct tem on , ( from outside the UK), or emil interntionl.sles@viv.co.uk, so we cn strt shping policy to meet your needs. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded. We cn: Prepre n initil policy specifction bsed on the res you d like to cover nd the benefts you d like to include Discuss underwriting nd which options would be most benefcil Tke you through the ppliction process.

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26 26 Interntionl Solutions for Individuls Policy Summry Policy Summry Interntionl Solutions from Aviv This Policy Summry hs been designed to provide you with key informtion bout the product, nd it is importnt tht you red this section. The Policy Summry does not, however, contin the full stndrd terms nd conditions tht pply to the product. These cn be found in the Terms nd Conditions, copy of which is vilble on our website, interntionl-helth-insurnce or on request. Non-stndrd terms my pply. Wht does Interntionl Solutions offer? Interntionl Solutions provides medicl cover whilst you re living or working overses. It lso offers number of extr benefts such s 24-hour medicl informtion line nd MyHelthPssport. Interntionl Solutions llows you to increse your cover with selection of options including Wellbeing, Dentl nd Dentl Plus, Additionl Out-ptient & Alterntive Therpies, Reptrition & Compssionte Trvel, Mternity nd Mternity Plus. Adding options to your policy will increse your premiums. Interntionl Solutions lso offers options to reduce levels of cover, which cn lower costs, including rnge of Excess options, Essentil Out-ptient, Essentil Everydy Helthcre, nd the option to Remove Everydy Helthcre.

27 Interntionl Solutions for Individuls 27 Wht is covered summry It is importnt to note tht this beneft tble is only intended to provide you with summry of the benefts offered by the Interntionl Solutions product. Beneft Cover Notes Overll nnul limit 5,000,000 or 6,000,000 or $8,000,000 = This denotes the beneft is pid in full. = pounds sterling = euros $ = US dollrs Plese note: Beneft limits pply in the currency in which the policyholder pys the premium. Tretment s n in-ptient or dy-ptient t hospitl. Beneft Cover Notes Hospitl chrges Specilists fees Dignostic tests CT, MRI nd PET scns Tretment by physiotherpist, dieticin, occuptionl therpist nd lterntive therpist Reconstructive surgery Internl prostheses Including ccommodtion, intensive nd high dependency cre, nursing cre nd operting thetre Surgeons, nesthetists nd physicins fees For exmple endoscopy, removl of tissue for biopsy, blood tests, X-rys, scns nd ECGs On specilist referrl We will cover surgicl procedure to restore your ppernce if the procedure immeditely follows n ccident or tretment for cncer For exmple hert vlves nd rtifcil joints Kidney dilysis Short term dilysis Psychitric tretment Rehbilittion Up to 30 dys Up to 25 dys Physicl therpies given s n in-ptient immeditely following tretment tht is covered by the policy, for ech medicl condition every policy yer

28 28 Interntionl Solutions for Individuls Policy Summry Out-ptient Cre There re two options for out-ptient cover: Tretment s n out-ptient (see below for detils) OR Essentil out-ptient (see pge 37 for detils) Your policy must include one of these options. Tretment s n out-ptient by or under the cre of specilist. If you hve n excess it will pply to ll benefts in this out-ptient option nd pplies for ech member every policy yer Beneft Cover Notes Consulttions with specilist Dignostic tests For exmple blood tests, X-rys, scns, ECGs CT, MRI nd PET scns Rdiotherpy/chemotherpy Tretment for cncer Surgicl procedures Emergency dentl tretment Up to 1,500, 1,800 or $2,400 For ccidentl dentl injury cused by externl trum Hire or purchse of medicl ids such s wheelchirs, crutches, stom supplies nd poditry pplinces, if needed, fter in-ptient, dy-ptient or out-ptient tretment Specilist referred tretment by speech therpist Physiotherpy following eligible tretment s n in-ptient or dy-ptient Up to 500, 600 or $800 Up to 10 speech therpy sessions following eligible tretment s n in-ptient or dyptient for trum or stroke

29 Interntionl Solutions for Individuls 29 Everydy Helthcre There re three options for Everydy Helthcre cover: Everydy Helthcre (see below for detils) OR Essentil Everydy Helthcre (see pge 38 for detils) OR You cn choose to remove Everydy Helthcre completely (see pge 38 for detils) Your policy must include one of these three options. Everydy Helthcre Beneft Cover Notes Consulttions with generl prctitioner Minor surgery by generl prctitioner Tests crried out by or referred by generl prctitioner Physiotherpy on referrl by generl prctitioner Up to combined limit of 2,500, 3,000 or $4,000 Up to 10 sessions ech condition Up to 20 consulttions. We only cover home visits if they re cliniclly necessry Crried out under locl nesthetic in the generl prctitioner s surgery Mximum of 30 sessions ech policy yer Vccintions Up to 500, 600 or $800 In line with World Helth Orgnistion guidelines for your country of ntionlity nd country of residence. This does not cover vccintions for leisure trvel Child vccintions (for members ged 17 or under) Child development ssessments Prescription drugs nd dressings, supports nd pplinces (including prostheses) Routine mintennce of chronic conditions Hormone replcement therpy (HRT) Routine sight exmintions Prescription glsses, sunglsses or contct lenses Up to 3,000, 3,600 or $4,800 Up to 20,000, 24,000 or $32,000 Up to 100, 120 or $160 for ech exmintion Up to 100, 120 or $160 In line with World Helth Orgnistion guidelines for your country of ntionlity nd country of residence. This does not cover vccintions for leisure trvel All tests must be crried out by generl prctitioner or peditricin For ll chronic conditions except cncer. We do not pply this limit to cncer tretment If menopuse is due to medicl intervention nd tretment is mediclly necessry. Up to 18 months in totl whilst you re member of the policy, not ech policy yer We cover one exmintion every two yers Opticl benefit covers glsses nd contct lenses needed if prescription chnges

30 30 Interntionl Solutions for Individuls Policy Summry Additionl Benefts Beneft Cover Notes Orgn trnsplnt Complictions of pregnncy nd childbirth In full for the recipient. Hrvesting costs only for the donor We will cover hert, lung, pncres, liver, kidney nd bone mrrow trnsplnts only. Cover is only vilble for the donor if the recipient is covered by the policy Newborn cover Up to 100,000, 120,000 or $160,000 Cover is only vilble where the mother is covered by the policy, for cute conditions occurring during the first 112 dys following birth Externl prostheses Prent hospitl ccommodtion when stying with child covered by the policy Csh benefit for ech night spent s n in-ptient in government or chritble hospitl Nursing t home by nurse Up to 5,000, 6,000 or $8,000 for ech condition 150, 180 or $240 ech night For exmple rtificil limbs Child ged under 18 undergoing tretment covered by the policy, one prent only Up to 28 nights when undergoing tretment covered by the policy Up to 60 dys immeditely following eligible tretment s n in-ptient or dy-ptient Hospice dontion 150, 180 or $240 ech dy Up to 90 dys Locl mbulnce Condition Mngement Beneft Cover Notes Tretment for HIV/AIDS Up to 10,000, 12,000 or $16,000 Tretment for cute phses of chronic conditions Up to combined limit of 50,000, Tretment for cute phses of congenitl conditions fter dignosis 60,000 or $80,000 We will cover unexpected cute flre-ups of chronic condition or congenitl condition until your condition is re-stbilised

31 Interntionl Solutions for Individuls 31 Evcution & Emergency Assistnce Beneft Cover Notes Costs for your evcution to plce where you cn receive tretment tht the policy covers Worldwide extension for emergency evcution nd tretment Pyment for ccommodtion costs (other thn t hospitl) needed in connection with n evcution Up to 60 dys Up to 100, 120 or $160 ech night For policies with worldwide cover excluding the USA nd Cribben Up to 2,000, 2,400 or $3,200 ech evcution Locl buril or trnsport of mortl remins Up to 7,500, 9,000 or $12,000

32 32 Interntionl Solutions for Individuls Policy Summry Our Interntionl Cncer Pledge benefts for cncer tretment Beneft Cover Notes Hospitl chrges for surgery nd medicl dmissions Specilists fees Nursing cre Operting thetre Reconstructive surgery Post surgery services Rdiotherpy nd chemotherpy Bone strengthening drugs (such s bisphosphontes) Tretment prescribed by your specilist for side effects whilst receiving chemotherpy or rdiotherpy Wigs Up to 100, 120 or $160 Externl prostheses Up to 5,000, 6,000 or $8,000 Bone mrrow trnsplnts In full for the recipient. Hrvesting costs only for the donor Surgeons, nesthetists nd physicins fees Includes specilist services immeditely following surgery, such s consulttions with dieticin or stom nurse We py for bone strengthening drugs when they re being used to tret metsttic bone disese We will py towrds the cost of wig if needed due to hir loss cused by cncer tretment. This is pyble once for ech member, not every policy yer We will py towrds the cost of the first externl prosthesis following surgery for cncer Monitoring On-going medicl needs, such s replcement of tubes or drins Up to 5 yers Up to 5 yers Preventtive tretment for cncer End of life cre Only if you hve lredy hd tretment for cncer tht we hve pid for. For exmple, we will py for mstectomy to helthy brest in the event tht you hve been dignosed with cncer in the other brest In hospitl if it is mediclly necessry to be there Hospice dontion 150, 180 or $240 ech dy, up to 90 dys Ech dy you re dmitted Tke home mediction for oncology tretment Up to 5,000, 6,000 or $8,000 Prescribed by your specilist. This includes hormone therpy

33 Interntionl Solutions for Individuls 33 Options to increse cover Choosing these options will increse your premium Mternity The following benefits re subject to combined limit of 10,000, 12,000 or $16,000 for ech member every policy yer Beneft Cover Notes Antentl cre Postntl cre Midwife led birth Hospitl led birth Birth under chritble or ntionlly funded cre Newborn cover Investigtions into the cuse of infertility 500, 600 or $800 Routine medicl cre for the bby during the first seven dys fter the birth Mternity Plus The following benefits re subject to combined limit of 15,000, 18,000 or $24,000 for ech member every policy yer Beneft Cover Notes Antentl cre Postntl cre Midwife led birth Hospitl led birth Birth under chritble or ntionlly funded cre Newborn cover Investigtions into the cuse of infertility 500, 600 or $800 Routine medicl cre for the bby during the first seven dys fter the birth

34 34 Interntionl Solutions for Individuls Policy Summry Wellbeing You do not need to hve symptoms or see generl prctitioner or specilist before mking clim for benefts in this option Beneft Cover Notes Cncer screening. For exmple PAP smers, mmmogrms, prostte screening, bowel screening Other tests nd exmintions. For exmple blood pressure, heptitis, HIV, gstroscopy Hering tests Dieticin nd llergy tests Up to 500 or 600 or $800 in combined totl. Ech test is covered once every two yers This does not include hering ids Dieticin tests re limited to four ech policy yer Trvel vccintions Up to 500, 600 or $800 Includes nti-mlril tretment Dentl The following benefts re subject to combined limit of 1,500, 1,800 or $2,400 for ech member every policy yer Beneft Cover Notes Routine dentl exmintions Up to 300, 360 or $480 Includes clening, polishing nd selnt Routine dentl tretment Up to 600, 720 or $960 Includes X-rys, gingivitis tretment, composite or metl fillings nd pins, mouth nd bite gurds. This does not include periodontic tretment Complex dentistry (includes orthodontic tretment for members ged 17 or under) Up to 1,200, 1,440 or $1,920 For exmple porcelin crowns nd cps, extrctions, bridges, root cnl tretment, dentl surgery which is crried out in dentist s chir under locl nesthetic. This does not cover dentistry crried out for cosmetic resons

35 Interntionl Solutions for Individuls 35 Dentl Plus The following benefts re subject to combined limit of 3,000, 3,600 or $4,800 for ech member every policy yer Beneft Cover Notes Routine dentl exmintions Up to 400, 480 or $640 Includes clening, polishing nd selnt Routine dentl tretment Up to 1,000, 1,200 or $1,600 Includes X-rys, gingivitis tretment, composite or metl fillings nd pins, mouth nd bite gurds. This does not include periodontic tretment Complex dentistry (includes orthodontic tretment for members ged 17 or under) Up to 2,000, 2,400 or $3,200 For exmple porcelin crowns nd cps, extrctions, bridges, root cnl tretment, dentl surgery which is crried out in dentist s chir under locl nesthetic. This does not cover dentistry crried out for cosmetic resons Additionl Out-ptient & Alterntive Therpies If you hve n excess it will pply to ll benefts in this option nd pplies for ech member every policy yer YOU CANNOT SELECT THIS OPTION IF YOU HAVE CHOSEN THE ESSENTIAL OUT-PATIENT OPTION Beneft Cover Notes Psychitric tretment on referrl by generl prctitioner Speech therpy for children on referrl by generl prctitioner Up to 10 consulttions Up to 5 sessions For ech child covered by the policy Rehbilittion Up to 7,000, 8,400 or $11,200 This covers physicl therpies or medicl dvice following in-ptient or dy-ptient tretment The following benefits re subject to combined limit of 2,500, 3,000 or $4,000 for ech member every policy yer You do not need to see generl prctitioner or specilist before mking clim for these benefits Alterntive therpies cover for consulttions nd tretment with the following prctitioners: yurvedic, Chinese medicine, cupuncture nd homeopthy Chiropody nd poditry Up to 10 sessions Up to 10 sessions Osteopthy nd chiroprctic tretment Up to 10 sessions

36 36 Interntionl Solutions for Individuls Policy Summry Reptrition & Compssionte Trvel Beneft Cover Notes Reptrition in the event of n evcution Economy return flight (or equivlent) following the deth of close reltive Up to 1,000, 1,200 or $1,600 Economy return flight (or equivlent) for close reltive or legl gurdin to supervise your dependent children in their country of residence following your evcution or reptrition Economy return flight (or equivlent) for your dependent children to sty with close reltive or legl gurdin following your evcution or reptrition Accommodtion nd subsistence costs in the re you hve been evcuted to for your husbnd, wife, prtner or civil prtner following your evcution OR Up to 1,000, 1,200 or $1,600 ech policy yer Up to 1,000, 1,200 or $1,600 for ech child ech policy yer Up to 100, 120 or $160 for ech night up to 30 nights You cn choose from either option ech time n evcution or reptrition tkes plce Cover is only vilble if your husbnd, wife, prtner or civil prtner is in the sme country of residence Costs for locl trvel ech wy between ccommodtion nd hospitl for your husbnd, wife, prtner or civil prtner following your evcution Economy return flight (or equivlent) for your husbnd, wife, prtner or civil prtner to ccompny you following your evcution Up to 25, 30 or $40 ech dy up to 30 dys Up to 1,000, 1,200 or $1,600 Cover is only vilble if you re receiving tretment s n in-ptient nd your husbnd, wife, prtner or civil prtner is in the sme country of residence Cover is only vilble if your husbnd, wife, prtner or civil prtner is in the sme country of residence Return home to recuperte Up to 1,000, 1,200 or $1,600 Covers cost of n economy return flight (or equivlent) following eligible evcution

37 Interntionl Solutions for Individuls 37 Options to reduce cover Excess Excess options Cover Notes 25, 30 or $40 100, 120 or $ , 300 or $ , 600 or $800 The excess pplies to the Tretment s n Out-ptient option, the Essentil Out-ptient option nd the Additionl Out-ptient & Alterntive Therpies option only Benefits covered under this policy will be subject to n excess pyble for ech member every policy yer 1,000, 1,200 or $1,600 Essentil Out-ptient by or under the cre of specilist If you hve n excess it will pply to ll benefts in this out-ptient option nd pplies for ech member every policy yer Beneft Cover Notes CT, MRI nd PET scns Rdiotherpy/chemotherpy Tretment for cncer The following benefits re subject to combined limit of 3,000, 3,600 or $4,800 for ech member, every policy yer Consulttions with specilist Dignostic tests For exmple blood tests, X-rys, scns, ECGs Surgicl procedures Physiotherpy following eligible tretment s n in-ptient or dy-ptient Plese note: If you hve Essentil Out-ptient cover we will not cover emergency dentl tretment, hire or purchse of medicl ids needed fter tretment nd specilist referred tretment by speech therpist

38 38 Interntionl Solutions for Individuls Policy Summry Essentil Everydy Helthcre Benefit Cover Notes Consulttions with generl prctitioner Minor surgery by generl prctitioner Tests crried out or referred by generl prctitioner Up to combined limit of 2,500, 3,000 or $4,000 Up to 20 consulttions. We only cover home visits if they re cliniclly necessry Crried out under locl nesthetic in the generl prctitioner s surgery For exmple blood tests, X-rys, scns, ECGs Vccintions Up to 500, 600 or $800 In line with World Helth Orgnistion guidelines for your country of ntionlity nd country of residence. This does not cover vccintions for leisure trvel Child vccintions (for members ged 17 or under) Child development ssessments Prescription drugs nd dressings, supports nd pplinces (including prostheses) Up to 3,000, 3,600 or $4,800 In line with World Helth Orgnistion guidelines for your country of ntionlity nd country of residence. This does not cover vccintions for leisure trvel All tests must be crried out by generl prctitioner or peditricin Plese note: If you hve Essentil Everydy Helthcre cover we will not cover physiotherpy on referrl by generl prctitioner, routine mintennce of chronic conditions, hormone replcement therpy, routine sight exmintions nd prescription glsses, sunglsses or contct lenses Remove Everydy Helthcre You cn choose to completely remove Everydy Helthcre from your cover. This my be benefcil if you hve ccess to n on-site doctor

39 Interntionl Solutions for Individuls 39 Wht is not covered summry Interntionl Solutions hs number of exclusions, these will vry depending on the options you choose. Whichever options you hve, Interntionl Solutions does not cover you for: lcoholism, lcohol buse, drug buse, solvent buse nd other ddictive conditions lopeci birth control cosmetic tretment (except following n ccident or surgery for cncer) developmentl dely of children such s ttention defcit hyperctivity disorder (ADHD) dilysis s prt of long term tretment of chronic condition epidemics experimentl tretment (limited beneft my be vilble plese contct us) genetic conditions infertility tretment nursing home cre professionl sports injuries psycho-geritric conditions self-inficted injury sexully trnsmitted disese (except tretment for HIV/AIDS) sleep disorders nd sleep problems stem cell trnsplnts tretment for wrts or verrucs tretment received in helth hydros tretment required s result of wr, terrorism or contmintion by rdioctivity or chemicls tretment required if it is needed fter trvelling ginst medicl dvice nd it is relted to the illness or injury for which the dvice ws given weight loss surgery This is summry of the exclusions on this policy. Full terms nd conditions re vilble on request.

40 40 Interntionl Solutions for Individuls Policy Summry Your questions nswered How do I mke clim? We hve designed our clims process to be s simple nd effective s possible, should you need to clim for tretment. You cn send clim form vi fx or emil. If you buy policy, your documenttion will hve ll the detils. Alterntively you cn send your completed clim form nd relevnt supporting documenttion to: Aviv Helth UK Interntionl Clims Tem (Dept 14) Chilworth House Hmpshire Corporte Prk Templrs Wy Estleigh SO53 3RY UK Or in the event of n emergency, cll the 24hr emergency clim line. Cn I cncel the policy? Once we hve received your ppliction form nd it hs been ccepted by us, we will issue your policy documenttion. This will include informtion on your right to cncel your Interntionl Solutions policy. From the point t which you receive your policy documenttion, you hve 30 dys in which you will be entitled to chnge your mind nd cncel your policy. Wht is the durtion of my policy? Your Interntionl Solutions policy is designed to be one yer contrct. At the end of ech yer we will send you renewl pck, which provides detils of your new premium nd reminder of your cover. You cn then choose to continue with the sme cover or, if your needs hve chnged, you hve the opportunity to chnge your options to meet your requirements. If you hve ny cuse for complint Our im is to provide frst clss stndrd of service to our customers, nd to do everything we cn to ensure you re stisfed. However, if you ever feel we hve fllen short of this stndrd nd you hve cuse to mke complint, plese let us know. Our contct detils re: Aviv Helth UK Complints Deprtment PO Box 540 Estleigh SO50 0ET UK Telephone: E-mil: hccomp@viv.co.uk Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded. We hve every reson to believe tht you will be totlly stisfed with your Aviv policy, nd with our service. It is very rre tht mtters cnnot be resolved micbly. However, if you re still unhppy with the outcome fter we hve investigted it for you nd you feel tht there is dditionl informtion tht should be considered, you should let us hve tht informtion s soon s possible so tht we cn review it. If you disgree with our response or if we hve not replied within eight weeks, you my be ble to tke your cse to the Finncil Ombudsmn Service to investigte. Their contct detils re: The Finncil Ombudsmn Service Exchnge Tower London E14 9SR UK Telephone: (or from outside the UK) Emil: complint.info@ fnncilombudsmn.org.uk Plese note tht the Finncil Ombudsmn Service will only consider your complint if you hve given us the opportunity to resolve the mtter frst. Mking complint to the Ombudsmn will not ffect your legl rights.

41 Interntionl Solutions for Individuls 41 The Finncil Services Compenstion Scheme We re covered by the FSCS. You my be entitled to compenstion from the FSCS if we become insolvent nd cnnot meet our obligtions. This depends on the type of business nd the circumstnces of the clim. Where you re entitled to clim, insurnce dvising nd rrnging is covered for 90% of the clim, with no upper limit. Further informtion bout compenstion scheme rrngements is vilble from: Finncil Services Compenstion Scheme 10th Floor Beufort House 15 St Botolph Street London EC3A 7QU UK Telephone: or (UK only).

42 42 Interntionl Solutions for Individuls Further informtion bout Interntionl Solutions The following provides dditionl nswers to ny queries you my hve bout the Interntionl Solutions policy from Aviv: Wht is the difference between trvel insurnce nd interntionl privte medicl insurnce? Trvel insurnce usully covers individuls nd fmilies for rnge of things ssocited with going on holidy for limited period of time, such s lost bggge, fight cncelltions nd personl belongings. Whilst emergency medicl tretment is usully included, there tend to be more restrictions bout the type nd length of tretment tht is covered. Interntionl privte medicl insurnce on the other hnd is specifclly designed to provide ccess to the sme routine nd emergency helthcre tht is usully funded by the stte in the UK. Interntionl privte medicl insurnce provides ccess to helthcre no mtter where individuls nd their fmilies re bsed, s well s providing cover such s evcution nd reptrition. Wht is the difference between in-ptient, dy-ptient nd out-ptient tretment? In-ptient tretment is where n individul is dmitted to hospitl nd occupies hospitl bed overnight or longer, for medicl resons. Dy-ptient tretment is where someone is dmitted to hospitl or dy-ptient unit becuse they need period of mediclly supervised recovery but does not occupy bed overnight. Out-ptient tretment is where n individul ttends hospitl, consulting room or out-ptient clinic for short period of time nd is not expected to occupy bed, for exmple for consulttions or tests. Wht is the difference between evcution, reptrition nd compssionte trvel? Evcution is where individuls re trnsported to different country or re to where they re bsed, when medicl tretment is not vilble loclly. Reptrition offers customers the choice in the event of n evcution to be either tken to their home country or country of ntionlity, insted of the nerest country, s long s it is mediclly sfe to do so. Compssionte trvel offers number of benefts to cover fights nd ccommodtion for fmily members in the event of n emergency. This cn lso include fying out spouses, dependents or other trusted prties to look fter children when their prents or gurdins re tken ill. Who is Interntionl Solutions for? Interntionl Solutions hs been designed to cover individuls who re living nd/ or working outside their country of ntionlity. How do I tke out policy? Tking out n Interntionl Solutions policy is esy nd tkes very little time. All you need to do is obtin quote for the cost of your policy which cn be obtined from your fnncil dviser or the Interntionl Direct tem on , ( from outside the UK), or emil interntionl.sles@viv.co.uk. Lines open Mon-Fri 9m to 5pm UK time. Clls to nd from Aviv my be monitored nd/or recorded. Once you hve obtined quote, you simply need to complete the ppliction form nd return it to us. After your ppliction is ccepted, we ll send you welcome pck with ll the informtion you require to help you mke the most of your policy. How does it work? When you tke out n Interntionl Solutions policy we will provide you with comprehensive detils of your cover, s well s providing you with member guide dvising you of your cover nd benefts, together with informtion on the services vilble nd how to mke clim. We lso provide you with membership crd which detils the 24 hour emergency clim number, which we dvise you to keep with you t ll times. When you need medicl ssistnce,