YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

Size: px
Start display at page:

Download "YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE"

Transcription

1 Raffles Health Insurance Pte Ltd (Company Registration No: G) 133 Middle Road Bank of China Plaza #02-00 Singapore General services: +44 (0) Medical related enquiries: +44 (0) Your calls may be recorded. Bupa Global Victory House Trafalgar Place Brighton BN1 4FY UK Your international group membership offers you: Global medical plans for individuals and groups Assistance, repatriation and evacuation cover 24-hour multi-lingual helpline bupa-intl.com YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE Administered by Insured by SGP-LIFE-SALE-1407v1.1

2 WE CARE, WHEREVER YOU ARE Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that your medical needs are protected and you have access to the appropriate treatment avaailable, whenever and wherever you need it. IF YOU D LIKE TO FIND OUT MORE ABOUT LIFELINE a member of our team would be delighted to help. You can speak to us on between 8.30am and 5.30pm SGT Monday to Friday, except public holidays or visit Raffles Health Insurance Pte Ltd ( RHI ) (Company Registration Number: G) is the insurer and Bupa Global, the trading name of Bupa Insurance Services Limited, is the administrator of the RHI international health insurance plans in Singapore. This is only product information provided by Raffles Health Insurance Pte Ltd. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance future healthcare needs. This brochure is not a contract of insurance. The standard terms and conditions of this plan are provided in the relevant policy contract. Details are correct at the time of printing and may be subject to change in future. Naturally, you want a flexible and comprehensive plan, giving you and your family instant access to an expert team of people who understand your situation and treat you with respect and compassion every time you contact them. So if you re looking for a flexible international health insurance plan that will offer you excellent cover and service, choose Lifeline. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or or 2 3

3 WHY CHOOSE LIFELINE? Raffles Health Insurance Pte. Ltd. ( RHI ) is a leading healthcare insurance specialist offering high quality healthcare financing solutions for both Individual and Corporate clients. RHI is a life insurance company regulated by the Monetary Authority of Singapore and is a wholly owned subsidiary of the Raffles Medical Group, a leading integrated healthcare services company in Singapore. Raffles Health Insurance Pte Ltd has partnered with Bupa Global to bring you Lifeline, insured by RHI, and administered by Bupa Global. You have the reassurance of knowing that your health insurance is being looked after by both a healthcare specialist and an experienced award winning provider. As the administrator of your plan, Bupa has offices in the UK, Hong Kong, Thailand, Saudi Arabia, India, Australia, USA, Denmark, Egypt, France and Spain, and a wide international network of business partners. As a member you can be treated in any one of 7,500 participating hospitals and clinics worldwide, or in any recognised hospital or clinic of your choice. From the moment you call to pre-authorise your treatment, Bupa Global will be there for you every step of the way. They will even help you locate the closest suitable hospital and make appointments for your treatment on your behalf so you can focus on getting better. In fact, Bupa Global pride themselves on offering you the highest standard of service. They have multi-lingual, medically trained staff who can speak to you on the telephone 24 hours a day, ready to help with any health-related questions or concerns you may have. You can also speak to an adviser whenever you need to using webchat, an instant messaging service with which Bupa Global can answer any of your questions. With a wealth of local knowledge and expertise on hand 24/7, you can be sure that whenever you need them, we will be there to help. At a glance Over 7,500 participating hospitals and clinics worldwide The Bupa Group is a healthcare insurance specialist and has members in 190 countries You choose where you want to be treated either in a network or any recognised hospital or clinic worldwide 4 5

4 FLEXIBLE COVER TO SUIT YOUR NEEDS We understand that everybody has a different budget and requirements. That s why our Lifeline plan has three levels of cover Essential, Classic and Gold as well as options for extra international assistance and a choice of deductibles. A choice of three levels Gold This provides our highest level of cover for Health advice is just one call away with Healthline Freedom of choice with Worldwide Medical Assistance Cover Optional cover in the USA We understand that many people do not need both in-patient and out-patient care. In addition, Should you or a member of your family become ill If you think that your circumstances might require medical insurance for the USA, so you can choose Gold also covers family doctor treatment and in the middle of the night, you will be able to pick additional medical assistance eg you live in a whether you want to include it. Unfortunately, we any prescription medication you may need, up the phone and speak to a medical professional. remote part of the world or somewhere with cannot offer Lifeline to anyone who is normally as well as accident-related dental treatment. All three Lifeline plans give you round-the-clock limited medical facilities, you can select one of the resident in the USA. Maternity cover, home nursing and a range of four preventive health checks are also included in this comprehensive plan. access to worldwide medical advice with Healthline. Our in-house multi-lingual medical assistance team is ready to give you general following two options for Assistance Cover: Evacuation If you are concerned about the Lower your premium with deductibles healthcare advice, information about local medical quality of local medical care, this is ideal. If the You can keep your premiums at a level you can Classic Our classic level is designed to cover facilities, medical referrals and travel advice. treatment you need is not available locally, we will manage by opting to take an annual deductible. you and your family for any specialist medical arrange for you to be evacuated to the nearest Choose to pay the first USD 200, USD 500, USD treatment or diagnosis. You will be covered for centre of medical excellence, no matter where you 1,000, USD 2,000 or USD 4,000 of your claims in-patient hospital stays as well as out-patient are in the world. for that year; the higher the deductible, the lower consultations, treatment such as physiotherapy your premium. You will only need to pay this and a range of preventive health checks. Repatriation Our highest level of Assistance deductible if you make a claim. cover also gives you the choice of returning to Essential This level concentrates on covering you your home country (if treatment is not available See our membership pack for full terms for in-patient hospital stays. You have the security locally), to be treated in familiar surroundings, and conditions. that you ll be covered for treatment you may near your friends and relatives. If this happens, you receive as an in-patient or as a day-case patient. can choose to have someone to accompany you for your visit back home if necessary. 6 7

5 HOW WILL YOU BENEFIT? We pride ourselves on offering you the highest standard of service. We have multi-lingual, medically trained staff who can speak to you on the telephone 24 hours a day, ready to help with any health-related questions or concerns you may have. You ll find all the important numbers you might need on your personalised membership card. So you ll only ever be one phone call away from our specially trained team of multi-lingual professionals, who are ready to offer help and advice. Bupa is a worldwide name Your plan administrator, Bupa, has offices in Hong Kong, Thailand, Malta, Spain, Saudi Arabia, Egypt, USA, Denmark and Australia and representatives in many other countries who have in-depth local knowledge of the different care available. Choice, flexibility and ease With Lifeline, you can choose to be treated in any recognised hospital or clinic in the world, as well as our comfortable, well-equipped network of over 7,500 participating hospitals and clinics worldwide. Simply get in touch to let us know if you need treatment, and we will confirm or pre-authorise your treatment, offering help and advice where required. We can usually settle bills direct with the hospital or clinic, so that you don t have to pay upfront or worry about too much paperwork. Individual online access for members It s easy to find advice and information with our confidential Members-only website. From the comfort of your own home, you can look at your membership pack and certificate, download claim forms and other useful documents, track the status of your claims*, find useful medical information and tips about living and travelling abroad. You can also contact us by phone, or through Webchat on MembersWorld where you can instantly communicate with our team. *MembersWorld may not track claims in the USA as we use a third party here. 8 9

6 LIFELINE POLICY SUMMARY The following pages contain details about the cover that we can offer you. You can ask for the full rules, including the general terms and conditions and all exclusions and benefit limits please call us for a copy. The cover of the policy The Lifeline plan is a private health insurance policy for those who require international cover. About this cover Cover is subject to acceptance by RHI and is provided under the rules and tables of benefits of the Lifeline plan contract. Cover may be subject to any special conditions or exclusions imposed by RHI. Benefits will vary depending on the level of cover you choose. The provider Lifeline is insured by RHI and administered by Bupa Insurance Services Limited, a subsidiary of the British United Provident Association Limited. Other services are provided by or via other subsidiary companies. The length of the policy Lifeline policies are of 12 months duration. We send renewal information one month before the renewal date. Please contact us if you need to cancel your cover during the term of the contract. 28 day cancellation policy As soon as we accept you as a member of the Lifeline plan, we will send you a copy of your membership pack which clearly explains the rules and benefits of the plan

7 WHAT WILL YOU BE COVERED FOR? What is covered? This plan covers you for the costs of active treatment as per the full terms and conditions of your plan. This means treatment of a disease, illness or injury that leads to your recovery, conservation of your condition, or to restore you to your previous state of health as quickly as possible. This includes both acute (diseases, illnesses or injuries that respond to medical care without the need for long term or prolonged treatment) and chronic (diseases, illnesses or injuries that are permanent, come back or are likely to continue indefinitely) conditions. we pay all eligible qualifying hospital treatment and accommodation bills, up to the yearly maximum per person in addition to these, we can also cover out-patient treatment, accident-related dental treatment, maternity costs, wellness checks (after one year of membership) and family doctor treatment, dependent on the level of cover purchased Please see the benefits table for detailed information about the benefits available for the different levels of cover. For full details, please refer to the membership pack. What is not covered? There are certain circumstances that we do not cover. Some of these are explained below: you are not covered for pre-existing conditions - ie any condition that you have when you join, or which you have suffered from in the past and which may recur we also exclude congenital conditions - ie any condition present at, or before, birth. Treatment needed for congenital conditions immediately following birth are covered for the first 90 days you are not covered for preventive treatment you will not be covered for treatment in the USA, unless you have specifically purchased USA cover we have made special arrangements in the USA. For daycase, MRI, CT, PET scans, in-patient or cancer treatment in the USA you should pre-authorise your treatment. If you pre-authorise your treatment and choose to go outside the network then we can only reimburse 80 percent of your treatment costs. If you do not pre-authorise your treatment then we can only reimburse 50 percent of your treatment costs. Please let us know if you need treatment so that our you are covered for both emergency and - ie treatment for a condition when no team can confirm your cover non-emergency treatment cancer treatment is covered in full you are covered for psychiatric conditions (after two years membership) symptom is present (unless otherwise covered by the Wellness benefit on the Classic and Gold levels of cover) Please note that there may be exceptions to these exclusions. For full details, please refer to the membership pack, under What is not covered? you are covered for sports injuries you are not covered for physiological you are covered for drug treatments for HIV/ changes - ie naturally occurring conditions AIDS up to USD 20,000 per year (after five caused by puberty or ageing years membership) dependent on the level you are not covered for health hydros/nature of cover purchased cure clinics you are covered for hospice and palliative you are not covered for elective cosmetic care eg medication to help you remain surgery/treatment comfortable up to USD 41,

8 COMPARISON OF BENEFITS Please note: This table provides a high-level summary only about the types of cover provided on the different plan levels. Benefit limits and exclusions may also apply. Please ask your sales adviser for further information. LIFELINE ESSENTIAL LIFELINE CLASSIC LIFELINE Out-patient treatment Out-patient surgical operations Wellness mammogram, PAP test, prostate cancer screening or colon cancer screening (after one year s membership) Physiotherapy, osteopathy and chiropractor treatment Costs for treatment by therapists and complementary medicine practitioners Consultants fees and psychologists fees for psychiatric treatment (after two years membership) Pathology, X-rays and diagnostic tests Consultants fees for consultations Costs for treatment by a family doctor Prescribed drugs and dressings Accident-related dental treatment In-patient and day-case treatment Hospital accommodation Surgical operations, including pre- and post-operative care Nursing care, drugs and surgical dressings Physicians fees Theatre charges Intensive Care Pathology, X-rays, diagnostic tests and therapies Prosthetic implants and appliances Parent accommodation Psychiatric treatment (after two years membership, lifetime maximum 90 days) Further benefits Advanced imaging Cancer treatment Healthline services HIV/AIDS drug therapy including ART (after five years membership) Home nursing after in-patient treatment Hospice and palliative care In-patient cash benefit Local air ambulance Local road ambulance Maternity cover (after 10 months membership) Newborn care Prosthetic devices Rehabilitation Transplant services Optional benefits (if purchased) USA cover Assistance cover (Evacuation and Repatriation) GOLD 14 15

Health nsurance. Administered by

Health nsurance. Administered by Administered by Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services:

More information

General services: +44 (0) 1273 323 563 Medical related enquiries: +44 (0) 1273 333 911 Your calls will be recorded and may be monitored.

General services: +44 (0) 1273 323 563 Medical related enquiries: +44 (0) 1273 333 911 Your calls will be recorded and may be monitored. General services: +44 (0) 1273 323 563 Medical related enquiries: +44 (0) 1273 333 911 Your calls will be recorded and may be monitored. Bupa International Victory House, Trafalgar Place, Brighton. BN1

More information

We care, wherever you are

We care, wherever you are Lifeline Plan We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that

More information

Lifeline Worldwide Medical insurance

Lifeline Worldwide Medical insurance Lifeline Worldwide Medical insurance We care, wherever you are Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that

More information

I can rely on BUPA International to be there when I need them most. Lifeline

I can rely on BUPA International to be there when I need them most. Lifeline I can rely on BUPA International to be there when I need them most Lifeline t h e w o r l d h e a l t h s e r v i c e Trust BUPA International to look after you. If you have any questions about how we

More information

Worldwide Medical Insurance Company

Worldwide Medical Insurance Company Worldwide Medical Insurance Company Taking good care of the people your business depends on Whether your employees are at home or living and working abroad, their health is very much your business. You

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

YOUR GUIDE TO A HEALTHIER FUTURE

YOUR GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

Health nsurance. Your guide to a healthier future

Health nsurance. Your guide to a healthier future Administered by Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services:

More information

COMPANY. Product Summary From 1 April 2015. bupaglobal.com

COMPANY. Product Summary From 1 April 2015. bupaglobal.com COMPANY Product Summary From 1 April 2015 bupaglobal.com INTERNATIONAL MEDICAL INSURANCE FOR THE GLOBALLY MINDED Bupa Global is the worldwide part of the Bupa Group a healthcare company with over 65 years

More information

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on:

If you have any questions, please get in touch with us. You can call us between 8am and 6pm GMT, Monday to Friday on: Oil and Gas Plan From 1 November 2009 Get in touch To join Bupa International s Oil and Gas plan all you need is three or more employees who work overseas on oil rigs in the oil and gas industry. For further

More information

Health nsurance. Your Company guide to a healthier future

Health nsurance. Your Company guide to a healthier future Administered by Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services:

More information

INTERNATIONAL HEALTH INSURANCE

INTERNATIONAL HEALTH INSURANCE Al Ahlia Insurance Company 4th Flr, Chamber of Commerce Building P.O. Box 5282 Manama Kingdom of Bahrain Sales enquires: +973 1722 5860 www.alahlia.com General services: +44 (0) 1273 323 563 Medical related

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE FOR MORE INFORMATION Call 1300 775 798 (from within Australia) +61 3 9937 4277 (from outside Australia) Visit bupa.com.au/expats Email: internationalcompanyhealth@bupa.com.au International Private Medical

More information

Bupa International Company Plan. Taking good care of. your people. wherever they are

Bupa International Company Plan. Taking good care of. your people. wherever they are Bupa International Company Plan Taking good care of your people wherever they are Look after your people, look after your business Every successful business relies on its people. That s why choosing the

More information

International Company Plan. Taking good care of. your people. wherever they are

International Company Plan. Taking good care of. your people. wherever they are International Company Plan Taking good care of your people wherever they are Bupa international medical insurance is underwritten in Australia by Mutual Community General Insurance Pty Ltd (ABN 59 007

More information

YOUR GUIDE TO A HEALTHIER FUTURE INSURANCE

YOUR GUIDE TO A HEALTHIER FUTURE INSURANCE YOUR GUIDE TO A HEALTHIER FUTURE I N T E R N AT I O N A L P R I VAT E M E D I C A L INSURANCE 2 The Bupa Group have collaborated with CGU to bring you Worldwide Health Options. Worldwide Health Options

More information

Your Company guide to a healthier future

Your Company guide to a healthier future Your Company guide to a healthier future Bupa International Bupa International Victory House Trafalgar Place Brighton BN1 4FY United Kingdom www.bupa-intl.com FSA-COMP-SALES-11v10.1 Every bit of research,

More information

Your guide to a healthier future

Your guide to a healthier future Bupa PO Box 825 Hawthorn Victoria 3122 www.bupa.com.au Global medical plans for individuals and groups Assistance, repatriation and evacuation cover 24-hour multi-lingual helpline Your guide to a healthier

More information

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT Welplan Health Care Scheme Effective from 1 April 2015 bupa.co.uk This is page 1 of 8 which should be read together in full. These pages are for the summary

More information

Guernsey membership plan

Guernsey membership plan Guernsey membership plan Bupa International and Guernsey Everyone likes to feel they have control over their own lives and the freedom to decide what is best for them as individuals. This is true especially

More information

ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS

ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by ULTIMATE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by WELCOME TO THE

More information

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk

MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT. SELECT Staff Scheme. Effective from 1 September 2014. bupa.co.uk MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT SELECT Staff Scheme Effective from 1 September 2014 bupa.co.uk Keep this booklet somewhere handy in it, you ll find a summary about the things you re covered

More information

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans

Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Benefit description Maximum benefit Area of Cover ) Within stated benefit limits - 6 week wait rule applies

More information

Bupa Malta Health Insurance

Bupa Malta Health Insurance Bupa Malta Health Insurance Bupa in Malta is brought to you by About 2 www.bupa.com.mt Bupa As a leading international healthcare group, Bupa offer personal and company health insurance, run care homes

More information

We pay for these four preventive checks only, after you have been a member of the Gold plan for one year.

We pay for these four preventive checks only, after you have been a member of the Gold plan for one year. Table of Benefits gold overall annual maximum - GBP 1,200,000 / USD 2,000,000 / EUR 1,500,000 Out-patient treatment Important This is treatment which does not normally require a patient to occupy a hospital

More information

Quote Reference. Underwriting Terms. Premium Currency USD. Payment Frequency. Quotation Validity BUPA AFRICA PROPOSAL.

Quote Reference. Underwriting Terms. Premium Currency USD. Payment Frequency. Quotation Validity BUPA AFRICA PROPOSAL. Quote Reference Family Quote 2013 Underwriting Terms BUPA AFRICA PROPOSAL Full Medical Underwriting and/or Continuous PreviousMedical Exclusions Premium Currency USD Payment Frequency One annual payment

More information

Expatriate Benefits Healthcare Guide NO DEDUCTIBLE

Expatriate Benefits Healthcare Guide NO DEDUCTIBLE Diamond Plan (Zone C) Worldwide excluding USA, Canada and Switzerland Expatriate Benefits Healthcare Guide NO DEDUCTIBLE Worldwide coverage excluding USA, Canada, and Switzerland Zone C : limited to emergency

More information

Insured and locally administered by. Internationally administered by LIFELINE. From 1 January 2014

Insured and locally administered by. Internationally administered by LIFELINE. From 1 January 2014 Insured and locally administered by Internationally administered by LIFELINE From 1 January 2014 Insured and locally administered by Internationally administered by YOUR MEMBERSHIP PACK This document is

More information

ELITE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS

ELITE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS ELITE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by ELITE HEALTH PLAN PART OF THE NEW RANGE OF GLOBAL HEALTH PLANS Insured by Administered by WELCOME TO THE NEXT CHAPTER

More information

DUBAI WORLDWIDE HEALTH PLAN

DUBAI WORLDWIDE HEALTH PLAN DUBAI WORLDWIDE HEALTH PLAN Insured and locally administered by Internationally administered by For employed residents of the Emirate of Dubai, holding a Dubai Residency Visa. Enhanced benefits exceeding

More information

worldwide health insurance: perfectly formed

worldwide health insurance: perfectly formed worldwide health insurance: perfectly formed 2 CONTENTS Welcome 03 Handpick your Healthcare Plan 04 The Finishing Touches 05 Benefits Table 06 Underwriting 09 International Flexibility 11 The Corporate

More information

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY

BUPA SELECT KEY POLICY SUMMARY. Effective from 1 January 2014. bupa.co.uk BUPA. HELPING YOU FIND HEALTHY BUPA SELECT KEY POLICY SUMMARY Effective from 1 January 2014 bupa.co.uk BUPA. HELPING YOU FIND HEALTHY Welcome to Bupa Select Key (the scheme). This policy summary contains key information about the scheme.

More information

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector

Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme Bupa private medical cover for the teaching profession and education sector Bupa Eduhealth Essentials Healthcare Scheme We re here to help you stay healthy

More information

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk

Tesco Private Healthcare Plan. Effective from 1 March 2016. Administered by Bupa. bupa.co.uk Tesco Private Healthcare Plan Effective from 1 March 2016 Administered by Bupa bupa.co.uk This is page 1 of 10 which should be read together in full. These pages are for the Tesco Private Healthcare Plan

More information

Your guide to a healthier future

Your guide to a healthier future Your guide to a healthier future Bupa International Bupa International Victory House Trafalgar Place Brighton BN1 4FY United Kingdom www.bupa-intl.com FSA-BWHO-SALES-11v10.1 Every bit of research, every

More information

Sales Brochure International healthcare built for your world. Global Health Options

Sales Brochure International healthcare built for your world. Global Health Options Global Health Options Sales Brochure International healthcare built for your world Global Health Options 2 www.cignaglobal.com you are one of a kind so are we CONTENTS Why choose a Cigna Global plan? 4

More information

Flexible health insurance plans that work around you

Flexible health insurance plans that work around you Please note: these documents are for illustration purposes only, are updated from time to time and do not form part of any contract with us. To be sure that you are using the most upto-date and correct

More information

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum Medical Insurance ur plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. Choose your level of cover from the table below. All amounts apply per beneficiary and per (except where otherwise

More information

Sales brochure International healthcare built for your world

Sales brochure International healthcare built for your world CIGNA Global Health Options Sales brochure International healthcare built for your world www.cignaglobal.com 28.6º 43 17 N 6 38 E Contents Why choose CIGNA Global Health Options 4 How to create your plan

More information

Associates Private Medical Trust Guide

Associates Private Medical Trust Guide Associates Private Medical Trust Guide Effective from 1 April 2012 Welcome to the Honda Associates Private Medical Trust This guide provides an overview of the benefits available to you under your Private

More information

Guide to Private Medical Insurance

Guide to Private Medical Insurance Guide to Private Medical Insurance Contents About the Exeter 4 Why private medical insurance? 5 Product highlights 6 Cover and benefits 10 Getting the right premium 15 How to apply 16 Claims overview 21

More information

AMEX International Healthcare Plan Benefits schedule

AMEX International Healthcare Plan Benefits schedule Quality health plans & benefits Healthier living Financial well-being Intelligent solutions AMEX International Healthcare Plan Benefits schedule Effective 1 April 2015 46.06.933.1-EUAM D (4/15) Your flexible

More information

The Corporate Global Health plans explained. Plans designed by

The Corporate Global Health plans explained. Plans designed by The Corporate Global Health plans explained Plans designed by The Corporate Global Health plans are for employers who want their staff to be able to access the very best private health care within Dubai,

More information

Table of Benefits Individual Policies

Table of Benefits Individual Policies International Healthcare Plans Valid from 1 st November 2012 Table of Benefits Individual Policies Treatment Guarantee is required for all benefits indicated with a 1 or 2 in the following tables and may

More information

Bupa Select. Policy summary

Bupa Select. Policy summary Bupa Select Policy summary Effective from 1 January 2012 Welcome to Bupa Select (the scheme). This policy summary contains key infmation about the scheme. You should read this carefully and keep it in

More information

Your worldwide partner in health

Your worldwide partner in health Your worldwide partner in health M o b i l e h e a lt h c a r e p l a n Aetna Global Benefits 46.02.343.1-LA (2/11) Global health insurance that travels with Plan Highlights Worldwide coverage US$2,000,000

More information

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk

BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE. Essential information explaining your Bupa cover. Please retain. bupa.co.uk BUPA SELECT YOUR BUPA MEMBERSHIP GUIDE Essential information explaining your Bupa cover Please retain bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa Select membership guide. At Bupa, we know that insurance

More information

BupaCare. Policy summary

BupaCare. Policy summary BupaCare Policy summary Effective from 1 January 2016 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please note that

More information

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk

BUPACARE POLICY SUMMARY. Effective from 1 January 2015. bupa.co.uk BUPACARE POLICY SUMMARY Effective from 1 January 2015 bupa.co.uk 2 This policy summary contains key information about BupaCare. You should read this carefully and keep it in a safe place afterwards. Please

More information

Expatline International

Expatline International Wherever the wind blows International Health Insurance Table of Benefits GIC-EXPISCP Expatline International International health insurance for people living, working or studying abroad Compose your own

More information

Table of Benefits Corporate Group Schemes

Table of Benefits Corporate Group Schemes International Healthcare Plans Table of Benefits Corporate Group Schemes Valid from 1 st November 2014 MyHealth app Quick and easy claims submission Policy documents on the go www.allianzworldwidecare.com/myhealth

More information

the natural choice for health insurance

the natural choice for health insurance the natural choice for health insurance 2 CONTENTS Welcome 3 Handpick your Healthcare 4 The Finishing Touches 4 Benefits Table 5 Hospital Lists 8 Voluntary Excess 8 Underwriting 9 Policy Limitations &

More information

Revolutionising Corporate Medical Healthcare

Revolutionising Corporate Medical Healthcare Revolutionising Corporate Medical Healthcare Corporate medical healthcare around the world, around the clock Welcome to International We are a specialist provider of worldwide private medical and related

More information

CIGNA International Healthcare Plans

CIGNA International Healthcare Plans C I G N A I N T E R N A T I O N A L E X P A T R I A T E S B E N E F I T S CIGNA International Healthcare Plans Your expatriate employees and their eligible family members have access to the health care

More information

Quality medical benefits for companies with 3 29 employees

Quality medical benefits for companies with 3 29 employees APRIL UK PRIVATE MEDICAL INSURANCE PLAN FOR SMEs Quality medical benefits for companies with 3 29 employees www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST

More information

Flexible medical benefits designed for today's world

Flexible medical benefits designed for today's world APRIL UK PRIVATE MEDICAL INSURANCE PLAN Flexible medical benefits designed for today's world www.april-uk.com Changing the image of insurance UK WELCOME TO APRIL UK - A NAME YOU CAN TRUST YOUR HEALTH WITH

More information

Introduction - Bupa Worldwide Health Options (BWHO)

Introduction - Bupa Worldwide Health Options (BWHO) Introduction - Bupa Worldwide Health Options (BWHO) Thank you for your enquiry. BUPA (British United Provident Association) is the biggest world class private medical insurance that makes quality health

More information

EXPLORER HEALTH PLAN. Product Summary From 1 September 2013. bupa-intl.com. Insured by Working with Brokered by

EXPLORER HEALTH PLAN. Product Summary From 1 September 2013. bupa-intl.com. Insured by Working with Brokered by EXPLORER HEALTH PLAN Product Summary From 1 September 2013 bupa-intl.com Insured by Working with Brokered by ABOUT BUPA AND JUBILEE ABOUT ABOUT BUPA BUPA, AND JUBILEE AND JUBILEE JUBILEE AND JWS GLOBAL

More information

COMPARING BUPA GLOBAL HEALTH PLANS

COMPARING BUPA GLOBAL HEALTH PLANS COMPARING BUPA GLOBAL HEALTH PLANS This comparison guide is a summary of our plans to help you understand the high level differences between them. Full details of the benefits, limitations, exclusions

More information

Revolutionising Private Medical Healthcare. Private medical healthcare around the world, around the clock

Revolutionising Private Medical Healthcare. Private medical healthcare around the world, around the clock Revolutionising Private Medical Healthcare Private medical healthcare around the world, around the clock Welcome to International We are a specialist provider of private medical and related personal insurances.

More information

Bupa Schools Scheme Looking after what s most important

Bupa Schools Scheme Looking after what s most important Provided by Bupa Schls Scheme Lking after what s most important bupa.co.uk/schlscheme The subscription rate is 67.50 per child each term and applies for membership year 1 September 2015 to 31 August 2016.

More information

Global Health Elite. The Gold Standard in International Private Medical Insurance

Global Health Elite. The Gold Standard in International Private Medical Insurance Global Health Elite The Gold Standard in International Private Medical Insurance William Russell is the leading independent provider of international health insurance When you re a customer with William

More information

International healthcare built for your world

International healthcare built for your world CIGNA Global Health Options International healthcare built for your world www.cignaglobal.com Contents Why choose CIGNA Global Health Options 4 How to create your plan 8 Our benefits in detail 10 What

More information

MyMoney s guide to medical insurance

MyMoney s guide to medical insurance The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available

More information

Overall maximum plan benefit 10,000,000

Overall maximum plan benefit 10,000,000 International Healthcare Plans Table of Benefits AON Expats Treatment guarantee (pre-authorization) may be required for some benefits as indicated by a '1' or a '2' in the table(s) below. Please refer

More information

Bupa By You. Summary

Bupa By You. Summary Bupa By You Summary Find the cover that s right for you There s a lot to take in when purchasing health insurance that s why we ve created this easy to use guide which summarises the cover that s available

More information

IFS Global Health. A global healthcare solution for Standard Chartered Bank Customers

IFS Global Health. A global healthcare solution for Standard Chartered Bank Customers IFS Global Health A global healthcare solution for Standard Chartered Bank Customers Issued and underwritten by AVIVA Ltd. for Standard Chartered Bank Customers Dear Valued Customer, We are pleased to

More information

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee

Maximum plan benefit GBP ( ) limit In-patient benefits¹ - please refer to notes for more information on Treatment Guarantee International Healthcare Plans Table of Benefits Treatment Guarantee (pre-authorisation) may be required for some benefits as indicated by a '1' or a '2' in the table(s) below. Please refer to the "Notes"

More information

Are You Buying Private Medical Insurance? Take a look at this guide before you decide

Are You Buying Private Medical Insurance? Take a look at this guide before you decide Are You Buying Private Medical Insurance? Take a look at this guide before you decide 2012 ARE YOU BUYING PRIVATE MEDICAL INSURANCE? 3 Contents 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. About this guide 4 Understanding

More information

World. Globality YouGenio. Individual care in a globalised world NEW. Improved plan level structure. Enhanced benefits More flexibility

World. Globality YouGenio. Individual care in a globalised world NEW. Improved plan level structure. Enhanced benefits More flexibility Globality YouGenio World Individual care in a globalised world Improved plan level structure Enhanced benefits More flexibility : Our best healthcare plan for you and your family. Now even better. Your

More information

Worldwide health insurance, world class care

Worldwide health insurance, world class care Worldwide health insurance, world class care 2015 Worldwide health insurance, world class care If a brighter future means moving abroad, the quality and cost of healthcare can be a big worry. Make sure

More information

Individual Health Plan Proposal

Individual Health Plan Proposal Individual Health Plan Proposal Table of Contents Page Section Ⅰ Company Introduction 3 Section Ⅱ Plan Introduction 4 Ⅰ Geographic Coverage 4 Ⅱ Benefit Schedule 4 Ⅲ Exclusions 8 Section Ⅲ Plan Administration

More information

World. Globality YouGenio. Individual care in a globalised world NEW. Improved plan level structure. Enhanced benefits More flexibility

World. Globality YouGenio. Individual care in a globalised world NEW. Improved plan level structure. Enhanced benefits More flexibility Globality YouGenio World Individual care in a globalised world Improved plan level structure Enhanced benefits More flexibility : Our best healthcare plan for you and your family. Now even better. Your

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1 About this guide 4 2 What is private medical

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting you and your family 02 A Guide to Private Medical Insurance Private medical insurance provides immediate

More information

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3 Priority Health Priority Health and Priority Health 6 Summary October 2014 Page 3 Contents About this summary 3 What is Priority Health? 4 1 Your Core health insurance 5 2 Choose your Add-ons 6 3 Find

More information

Who are we? Why choose Nordic Health Care? Our products and services

Who are we? Why choose Nordic Health Care? Our products and services Nhc global PRIVATE NHC GLOBAL PRIVATE Who are we? Nordic Health Care is the global health insurance division of Europæiske Rejseforsikring A/S, the leading Danish travel and expatriate insurance company

More information

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison

SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison SARK MEDICAL INSURANCE SCHEME 2014/2015 Product Comparison Page 1 Page 3 Page 5 Listed Benefits Part 1 Listed Benefits Part 1 Listed Benefits Part 1 The comparison sheet issued with your renewal papers

More information

REVOLUTIONISING PRIVATE MEDICAL HEALTHCARE www.healthcareinternational.com

REVOLUTIONISING PRIVATE MEDICAL HEALTHCARE www.healthcareinternational.com REVOLUTIONISING PRIVATE MEDICAL HEALTHCARE www.healthcareinternational.com Private medical healthcare around the world, around the clock WELCOME TO HEALTHCARE INTERNATIONAL We are a specialist provider

More information

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co.

LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME. Effective from 1 December 2014. bupa.co. LOCALCARE GROUP SCHEME POLICY SUMMARY FOR MEMBERS OF THE PHILIP WILLIAMS BUPA HEALTHCARE SCHEME Effective from 1 December 2014 bupa.co.uk This policy summary contains key information about Bupa LocalCare

More information

Delivering on the promise of quality health care Mobile Healthcare Plan

Delivering on the promise of quality health care Mobile Healthcare Plan Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Delivering on the promise of quality health care Mobile Healthcare Plan www.aetnainternational.com 46.03.615.1

More information

Overseas Visitors Cover

Overseas Visitors Cover straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable

More information

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas Global Health Essential Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who

More information

Health Plans for Individuals. International Private Medical Insurance for Individuals & Families in Dubai

Health Plans for Individuals. International Private Medical Insurance for Individuals & Families in Dubai Health Plans for Individuals International Private Medical Insurance for Individuals & Families in Dubai International healthcare with a difference The Elite plans are designed for residents of Dubai who

More information

LIFELINE. 2. How to use your plan. bupa-intl.com

LIFELINE. 2. How to use your plan. bupa-intl.com General services: +44 (0) 1273 323 563 Medical related enquiries: +44 (0) 1273 333 911 Your calls may be recorded or monitored. Bupa Global Victory House Trafalgar Place Brighton BN1 4FY United Kingdom

More information

WorldCare Explained. individuals and families

WorldCare Explained. individuals and families WorldCare Explained individuals and families Effective date: 1 September 2015 It s time for a fresh approach to international health insurance Now Health International is a specialist international health

More information

International health insurance

International health insurance International health insurance Serviced by Lifeline Membership Guide From September 2009 Welcome to your Lifeline Plan Get in touch THIS MEMBERSHIP GUIDE EXPLAINS ALL THE BENEFITS, RULES AND OTHER IMPORTANT

More information

Policy Summary - Sports Health Insurance

Policy Summary - Sports Health Insurance Policy Summary - Sports Health Insurance Some important facts about our Sports policies are summarised over the next few pages. This summary of benefits does not describe the full terms, conditions and

More information

Health plans about you, Family health plans you can trust. yourlife & yourfamily Table of Benefits. IntegraGlobal. Healthcare you deserve

Health plans about you, Family health plans you can trust. yourlife & yourfamily Table of Benefits. IntegraGlobal. Healthcare you deserve Health plans about you, Family health plans you can trust. IntegraGlobal Important Contact Information for your Integra Global Health Plan For help in understanding your benefits, questions and general

More information

Total Plus Schedule of Benefits Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option.

Total Plus Schedule of Benefits Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option. Total Plus Schedule of s Below is a brief summary of benefits offered to eligible insureds under the IMG Maestro SM Total Plus plan option. Limit/Other Maximum Limit $8,000,000 per period of coverage Area

More information

Are you buying private medical insurance? Take a look at this guide before you decide 2008

Are you buying private medical insurance? Take a look at this guide before you decide 2008 Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1. About this guide 4 2. What is private medical

More information

Essential Health Plans. Regional Cover for the Costs of Healthcare Overseas

Essential Health Plans. Regional Cover for the Costs of Healthcare Overseas Essential Health Plans Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who

More information

Globality CoGenio. Corporate health insurance solutions for expatriate employees NEW. More flexibility New pricing structure

Globality CoGenio. Corporate health insurance solutions for expatriate employees NEW. More flexibility New pricing structure Corporate health insurance solutions for expatriate employees NEW More flexibility New pricing structure Globality Health The experts for expatriates Globality Health is the international health insurer

More information

nib global health International health cover you can rely on

nib global health International health cover you can rely on nib global health International health cover you can rely on Email contactus@nibglobalhealth.co.nz or call 0800 642 456 8am to 5.30pm (NZST) Monday to Friday Contents Great value international health insurance

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting your biggest asset your employees 02 Citrus Healthcare Consulting Limited www.citrushealthcare.co.uk Private

More information

International Healthcare Comparison Plans Expat Standard, Comfort & Premium Plan 2013

International Healthcare Comparison Plans Expat Standard, Comfort & Premium Plan 2013 Epat Standard, Comfort & Premium Plan 2013 Epat Standard, Comfort & Premium Plan 2013 Maimum Lifetime Plan Benefit $USD $400,000,000,000,000,000 Annual Maimum Plan Benefit $USD $400,000,000,000 $2,000,000

More information

Feel special with a world leader in health care

Feel special with a world leader in health care t h e w o r l d h e a l t h s e r v i c e Feel special with a world leader in health care Lifeline Membership Guide From 1 April 2006 Contact Us BUPA International customer services helpline: - Open 24

More information

International health insurance for you and your family

International health insurance for you and your family International health insurance for you and your family We offer a range of international health insurance plans to cover you and your loved ones wherever you are in the world. Over a century of insurance

More information

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,2, 3, 7 and 8 only Contents: Section 1 Section 2 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including

More information