elite the natural choice for health insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "elite the natural choice for health insurance"

Transcription

1 elite the natural choice for health insurance

2 2 CONTENTS Welcome 3 Handpick your Healthcare 4 The Finishing Touches 5 Benefits Table 6 Hospital Lists 8 Voluntary Excess 8 Underwriting 9 Policy Limitations & Exclusions 10 Chronic Conditions Explained 11 Freedom Elite The Corporate Advantage 14 How to make a Claim 15 Contact Details 15 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

3 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN WELCOME Good health is an asset and one of the most important aspects in life. When things go wrong, often the waiting and the unknown can be the most frustrating factor. Protecting our future to ensure we have the best care at the time we need it most seems a very natural thing to do. Private Medical Insurance gives peace of mind that you can get access to the treatment you need, at the time you need it. Freedom Healthnet is a Private Medical Insurance provider offering innovative healthcare solutions for everyday needs. Our policies for individuals, families and businesses provide flexible benefits for a tailor made health insurance Policy to suit all needs and financial budgets. This brochure outlines the Freedom Elite plan benefits, how to customise your Policy and most importantly how to use your cover when you need it most. Freedom Elite is underwritten by Guardian Life of the Caribbean Limited. Freedom Healthnet Limited is authorised and regulated by the Financial Services Authority. 3

4 4 HANDPICK YOUR HEALTHCARE PLAN The Core In-Patient benefit is the foundation of your Policy. You can then choose from a selection of options to tailor your plan to you or your business needs. Core In-Patient Benefit Cover for Accommodation Charges, Drugs & Dressings, Theatre Charges, Specialists Fees, Diagnostic Tests, Oncology, MRI & CT Scans, Home Nursing, Rehabilitation benefits and NHS In-Patient & Day-Patient cash benefits. Out-Patient Cover Cover for Specialist Consultations and Treatment Fees, X-Rays, Pathology, Diagnostic Tests & Procedures and Physiotherapy. Two levels of Cover are available. Alternative Therapies Cover for Osteopath, Chiropractor, Acupuncturist, Homeopath and Chiropodist/Podiatrist Treatment. Two levels of Cover are available. Psychiatric Cover Cover for In-Patient and Out-Patient Psychiatric Treatment. GP, Dental & Optical Cover Cover for Routine and Accidental Dental Care, Private GP, Optical Consultations and Prescriptions. Executive Option Cover for External Prosthesis, Chronic Conditions, Wellbeing Assessment, Pregnancy Complications, Maternity, Second Specialist Opinion, NHS Prescriptions, Investigations resulting in the Diagnosis of Infertility and London Premier Hospitals. For full details see the Benefit Table on page 6 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

5 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN THE FINISHING TOUCHES You can personalise your Private Medical Insurance Policy with further options: 1. Choose your Hospital List Choose from our Standard, Plus and London Premier Hospital lists. 2. Choose your Excess You can reduce your premiums by up to 35% by choosing an excess. This is paid per year, per person. 3. Choose your Underwriting Depending on whether you are joining a Private Medical Insurance Policy for the first time or transferring from another insurer, we have several methods of underwriting to suit all needs. 5

6 6 BENEFITS TABLE Core Benefits In-Patient and Day-Patient Treatment Hospital charges Consultants & Anaesthetist Fees Diagnostic fees Physiotherapy Cancer Cover Accommodation for parent if child 14 or under Oral Surgery Private Ambulance Home Nursing Benefit Rehabilitation Benefit NHS In-Patient Benefit NHS Day-Patient Benefit Full Cover within your chosen hospital list. All charges for a hospital not within your list will be payable at 250 per night for private treatment as an In-Patient or 200 per private treatment as a Day-Patient. Full Cover within the limits of our fee schedule, if charges exceed those stated then the difference is your responsibility to settle. Full Cover Full Cover Full Cover within our Cancer Guidelines Full Cover Full Cover within listed procedures Full Cover Full Cover up to a maximum of 13 weeks Up to 3 hours per day (maximum of 7 days) 200 per night (maximum of 10 nights) upon receipt of a discharge summary from the hospital 100 per day (maximum of 5 days) upon receipt of a discharge summary from the hospital Out-Patient Treatment MRI/CT/PET scans Chemotherapy/Radiotherapy/Oncologist s Fees Full Cover Full Cover Option 1 Out-Patient Cover Out-Patient Treatment, Diagnostic Tests, Consultations & Physiotherapy (GP referral 6 visits only) A) 1500 B) Full Cover Option 2 Alternative Therapies Osteopath, Chiropractor, Acupuncturist, Homeopath, Chiropodist/Podiatrist (GP referral 6 visits only) A) 750 B) 1500 Option 3 Psychiatric Care In-Patient Cover Up to 10,000 Out-Patient Cover Up to 1000 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

7 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN Option 4 Private GP, Dental & Optical 50 compulsory excess with a 6 month qualifying period Routine Dental Up to 300 Accidental Dental Up to 600 Private GP including Consultations, Investigations & Minor Surgery Up to 300 per year (Minor surgery 70 per procedure within overall limit) Optical Consultations, Prescriptions Up to 200 Option 5 Executive Benefits Only available if all other options selected External Prosthesis recommended by a Specialist Chronic Benefits Consultations and Out-Patient Diagnosis Wellbeing Benefit (Health Assessment) Maternity Cash Benefit Second Specialist Opinion Up to 200 per plan year following an In-Patient stay Up to 500 per plan year upon first diagnosis following the inception of your Policy Up to 300 lifetime benefit following a two year qualifying period 150 per pregnancy following an 11 month qualifying period 1 per Policy year Charged NHS Prescriptions Up to 6 per Policy year (Maximum of 50) Cover for Private Ante-Natal and Post-Natal Care, Specialists consultations, Diagnostic Tests and Investigations and delivery for a Natural Birth Pregnancy complications Investigations resulting in the Diagnosis for Infertility only London Premier Hospitals Up to 3000 lifetime benefit following a two year qualifying period Up to 3000 lifetime benefit within listed procedures Up to 1500 lifetime benefit following a two year qualifying period Cover for Reasonable and Customary charges within London Premier Hospitals as listed in the Hospital guide Please Note: All limits above are per Policy year unless otherwise specified. 7

8 8 HOSPITAL LISTS Freedom Elite allows you to reasonably select the private hospitals you want to include within your chosen plan, with three main lists: Standard, Plus and London Premier. You can access a range of national hospitals or decide to include the more expensive London hospitals giving you a greater choice. We can also provide you with a selected number of premier hospitals in the Executive option. For full details please refer to the Freedom Elite Hospital List. VOLUNTARY EXCESS You can reduce your premium by selecting an excess. The schedule is as follows: Excess Premium Reduction % % % % The excess is payable per person per Policy year. For example, if you choose a 100 excess and your treatment costs 400 you will pay the first 100 and we will pay the rest during that Policy year. FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

9 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN UNDERWRITING How will your Policy be underwritten? Moratorium Underwriting The purpose of the Policy, as with all insurance, is to provide cover for the unexpected. This means cover for the cost of treatment of acute conditions (diseases, illnesses or injuries that are likely to respond quickly to treatment) which arise after the start of the Policy. We exclude any conditions for which you have received medication, advice or treatment or have experienced symptoms whether the condition has been diagnosed or not in the five years before the start of your cover (pre-existing conditions). Related conditions (those which are medically considered to be associated with a pre-existing condition) will also not be covered. However, if you have not had any such symptoms, treatment, medication or advice for a pre-existing condition or any related condition for a continuous period of 2 (two) years after the start date of your Policy for a particular condition, the condition will become eligible for cover under this Policy. This period is known as the Moratorium. Maximum age of entry is 70. Full Medical Underwriting We will ask you to complete a health questionnaire when you apply for cover with us. Based on your medical history, we may apply specific exclusions to your Policy. For example, if you have a pre-existing condition that may need further treatment in the future, we may exclude it and any conditions relating to it. This will be detailed in your Certificate of Insurance. You must disclose all your medical conditions, treatments and procedures. Non disclosure will invalidate future claims. Maximum age of entry is 75. Continued Personal Medical Exclusions & Continued Moratorium If you are currently insured with another provider, we may be able to switch your cover to Freedom Elite on the same personal terms. This can be offered in two ways: 1. Continued Personal Medical Exclusions If you have completed a health questionnaire with your previous insurer and have personal medical exclusions, this will be transferred to your new Policy with us. 2. Continued Moratorium If you are currently insured on moratorium terms with your insurer, you can join Freedom Elite on the same continued terms. This is subject to our acceptance terms, you must disclose previous and pending claims, Private or NHS. Please refer to the application form for full details. Maximum age of entry is 70. Medical History Disregarded (MHD) We do not apply any personal medical exclusion to your Policy as a result of pre-existing conditions. Maximum age of entry is 70. This option is only available on our corporate plans. For more information please contact us on

10 10 Policy LIMITATIONS & EXCLUSIONS There are exclusions you should be aware of under the Elite plan. Some examples of our exclusions are as follows: Drug, solvent and alcohol abuse Pre-existing conditions (unless we have approved treatment relating to them) HIV/AIDS Cosmetic Surgery Excess (Optional) Treatment undertaken by a Specialist without a GP referral Kidney dialysis Professional sports injuries Self inflicted injuries Sexual dysfunction Treatment for verrucas or warts Weight loss surgery Chronic conditions (as defined on Page 11) For a full list of exclusions, please refer to our Policy Document. FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

11 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN CHRONIC CONDITIONS EXPLAINED A chronic condition is a disease, illness or injury which has one or more of the following characteristics: It needs ongoing or long-term control or relief of symptoms; It requires your rehabilitation or for you to be specially trained to cope with it; It continues indefinitely; It has no known cure; It comes back or is likely to come back; It needs ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests. The Policy covers treatment of acute conditions subject to the Policy Document and the Certificate of Insurance. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment, the aim of which is to return you to the state of health you were in immediately before suffering the condition, or which leads to your full recovery. You will usually be covered for the cost of diagnostic tests that may be necessary to diagnose your condition. If you are then diagnosed as suffering from a chronic condition we will not normally pay for further treatment. If, however, you suffer from an unexpected acute exacerbation of your chronic condition, you will usually be covered for short-term treatment necessary to stabilise the condition, provided that no other Policy conditions, limits or exclusions apply. What does this mean in practice? In practical terms this means that you will be covered for the treatment of acute medical conditions, where the condition responds quickly to treatment, with the aim of the treatment being to return you to the state of health you were in immediately prior to suffering from the condition. Should you suffer from a condition which requires regular treatment, tests or consultations to maintain the stability or monitor the condition then this may be classed as a chronic condition. The cover provided by the Policy does not extend to include such costs. You will be covered under the Policy for the initial investigations and diagnostic tests required in order for a diagnosis to be made. If diagnosed as a chronic condition we will usually pay for the initial treatment in order for the symptoms to be stabilised. If further treatment is proposed we will, with your permission, request medical information from the treating doctor or Specialists in order to consider the eligibility of this. Individual circumstances will be considered along with medical advice and if we consider that the condition is chronic then we will write to you and explain why this is the case. In such circumstances we will always give notice before withdrawing cover in order for alternative arrangements to be made. What if my condition gets worse? Being diagnosed with a chronic condition does not mean that no cover will be provided at all for that condition. In the event that there is an acute exacerbation, or flare-up, of a chronic condition we will consider covering the short-term treatment required in order for the condition to be stabilised. Such treatment should be with the intention of returning you to the state of health you were in immediately prior to the onset of the flare-up of the symptoms. Once the condition has stabilised the process set out above will apply. Some chronic conditions, due to their nature, will require regular treatment in order for them to be stabilised. Such conditions are not covered by your Policy. Please contact the Claims Helpline if you are unsure whether your treatment will be covered. 11

12 12 CHRONIC CONDITIONS EXPLAINED (continued) Examples of chronic conditions Below are some examples of chronic conditions with explanations of the cover available, along with details as to how they would be handled under the Freedom Healthnet Policy. Important Note These examples are used to illustrate what Freedom Healthnet would usually cover. If you require treatment under your Policy, please contact the Claims Helpline and forward the appropriate parts of the Claim Form to obtain pre-authorisation. Failure in doing this could result in costs being incurred which are not covered by your Policy. All pre-authorisation in the examples below assumes that the Claim Form has already been received by Freedom Healthnet. Example 1 Alan has been with Freedom Healthnet for many years. He develops chest pain and is referred by his GP to a specialist. He has a number of investigations and is diagnosed as suffering from angina. Alan is placed on medication to control his symptoms. Alan contacted the Claims Helpline and was advised that his Policy covered consultations and tests required to diagnose his condition. He was also advised that any out-patient medication prescribed for his angina would not be covered by the Policy, nor would any monitoring of the condition by his specialist once the condition had stabilised. Two years later, Alan s chest pain recurs more severely and his specialist recommends that he has a heart by-pass operation. Having contacted the Claims Helpline again, Alan was advised that the proposed surgery would be covered in accordance with the rules and benefits of his Policy. In addition to the surgery, he would be covered for one immediate post operative consultation and a further consultation six months later. Example 2 Carole develops a lump in her left breast, which is diagnosed as breast cancer. Her specialist recommends that she has a mastectomy (breast removal) followed by a course of chemotherapy and radiotherapy. Carole contacts the Claims Helpline and is advised that the initial consultation(s) and tests would be covered. When the condition has been diagnosed, Carole contacts the Helpline again and benefit is confirmed for a mastectomy and immediate reconstruction of the affected breast if necessary. Carole is made aware that should reconstruction be carried out at a later stage, only reconstruction of the affected side and reduction of the unaffected side would be covered by the Policy. Augmentation of the unaffected breast would not be covered. Following surgery, Carol was advised chemotherapy and radiotherapy treatment would be eligible for benefit provided that the treatment plans fell within customary clinical practice and therefore pre-authorisation of the treatment at each stage would be mandatory. Once Carole s course of treatment has been completed, her specialist recommends that she has regular check-ups to ensure that she remains free from a recurrence of the disease. Carole is advised by the Claims Helpline that check-ups following treatment of cancer would be covered for a maximum of five years from the date of the completed course of treatment, providing the Policy remained in force. Should there be evidence of recurrence of the disease, her Policy would cover the relevant tests and ongoing treatment subject to the rules and benefits of the Policy. However, costs relating to palliative treatment i.e. treatment given to alleviate symptoms thereby improving the quality of life rather than curing the underlying disease, would not be covered by the Policy. FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

13 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN Example 3 Bob has been with Freedom Healthnet for three years when he develops hip pain. His GP refers him to an physiotherapist who treats him every other day for two weeks and then recommends that he return once a month for additional treatment to prevent a recurrence of his original symptoms. Bob calls the Claims Helpline and is advised that cover will be provided for the initial two-week course of treatment, subject to the benefit limits of his Policy. Bob is advised that his Policy does not cover the subsequent treatment to prevent a recurrence of the symptoms. One year later Bob s symptoms recur and he calls the Claims Helpline again. Benefit is confirmed for a specialist consultation on GP referral. A hip replacement operation is recommended by the specialist. Bob relays this information to the Helpline and benefit is confirmed for the hip replacement surgery. Example 4 Deirdre has been with Freedom Healthnet for two years when she develops symptoms that indicate she may have diabetes. Her GP refers her to an endocrinology specialist who organises a series of investigations to confirm the diagnosis, and she then starts on oral medication to control the diabetes. After several months of regular consultations and some adjustments to the medication regime, the specialist confirms the condition is now well controlled and explains he would like to see her every four months to review the condition. Having contacted the Claims Helpline, Deirdre is advised cover is provided for the initial consultations and tests required to reach a diagnosis of diabetes. Deirdre is advised that out-patient medication is not covered. Consultations with the specialist would be authorised up to the point where the diabetes is brought under control. It is explained to Deirdre that the fourmonthly check-ups are not covered by the Policy. One year later, although she has been following medical advice and taking her prescribed drugs, Deirdre s diabetes becomes unstable and her specialist arranges for her to go into hospital for treatment. Deirdre contacts the Claims Helpline again and is advised that her Policy would provide cover for an admission to hospital and the treatment required for her condition to be stabilised. Deirdre is also advised that we would pay for one post discharge consultation to review the effectiveness of the treatment given. Example 5 Eve has been with Freedom Healthnet for five years when she develops breathing difficulties. Her GP refers her to a specialist who arranges for a number of tests. These reveal that Eve has asthma. Her specialist puts her on medication and recommends a follow-up consultation in three months to see if her condition has improved. At that consultation, Eve states her breathing has been much better. So the specialist suggests she has check-ups every four months. Eve contacts the Claims Helpline and cover is confirmed for the initial consultation, investigations and tests required to reach a diagnosis. Benefit is allowed for the consultation three months later to review the effectiveness of the treatment given. It is explained to Eve that the Policy does not cover routine monitoring of any condition and therefore ongoing consultations are not covered. Eighteen months later, although she has been following medical advice and taking her prescribed drugs, Eve has a bad asthma attack. Eve contacts the Claims Helpline and cover is confirmed for her to be referred to a specialist in order to assess her symptoms and review her medication. Unfortunately, Eve s symptoms progress to a level that she requires an urgent admission to hospital. The purpose of the admission is to stabilise the asthma and return Eve to the level of control she experienced immediately prior to her pre-admission attack. The hospital admission is therefore confirmed if Eve is transferred to a private ward subject to the rules and benefits of her Policy. Following discharge from hospital, Eve calls the Claims Helpline again and is advised that one post discharge consultation would be covered to review the effectiveness of the treatment given. No cover is available for the further follow-up consultations as these are for routine monitoring of the condition. 13

14 14 FREEDOM ELITE THE CORPORATE ADVANTAGE Freedom Healthnet s Corporate Elite Policy offers an excellent range of benefits and the flexibility to choose a plan to suit all businesses. With our versatile options you can personalise each benefit to meet your company and your employees requirements and ensure you only pay for the cover that is needed. We offer a very competitive pricing arrangement. Please contact us if you would like to discuss your options. We understand that employee benefits is a large contribution to maintaining your company profile and with our support you can have the peace of mind that if a key member of staff is off due to sickness they are likely to return to work at the earliest time possible. Freedom is the natural choice for your healthcare solutions. Additional Benefits Freedom Healthnet have an excellent benefits package available through one of our many partners offering a range of health and lifestyle cover. This product is on a non-profit basis and has been designed to cover important issues like health and stress initiatives as well as light hearted benefits such as days out for your employees and their loved ones. Please contact us on for further information. FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN

15 FREEDOM ELITE BROCHURE 01/02/2012 GUARDIAN HOW TO MAKE A CLAIM Our claims procedure is simple: The claims procedure will start at the time your General Practitioner refers you to a Specialist. You must tell your General Practitioner that you wish to have private treatment. Contact our Claims Helpline on A member of our claims team will take your details. Please have your Policy number ready when you phone. Once your membership has been confirmed you will be sent a claim form. Part A of the claim form should be completed by your General Practitioner, and returned to us for pre-certification. In some cases, it may be necessary to obtain additional medical information to enable us to confirm cover for your claim. No benefit will be payable until such additional information has been obtained. Claims are authorised based on information provided. Should additional information be received or disclosed we reserve the right to re-assess your claim. We shall then notify you whether or not the required consultation or treatment is covered by your Policy in writing. Once you receive confirmation, see your chosen Specialist. If your Specialist recommends further treatment or surgical procedure(s), Part B of your claim form should be completed by your chosen Specialist, confirming that the treatment or surgical procedure is medically necessary, and returned to us for approval. We shall notify you whether or not the required treatment or surgical procedure is covered by your Policy, confirmation will be in writing. We shall confirm and settle Reasonable and Customary charges directly to the provider. CONTACT DETAILS Contact us Freedom Healthnet Ltd Bourne Gate 25 Bourne Valley Road Poole BH12 1DY Tel: Fax: Web: Please note telephone calls may be recorded. 15

16 GLC Elite V1 elite Freedom Healthnet Ltd Bourne Gate 25 Bourne Valley Road Poole BH12 1DY Tel: Fax: FSA number: Company Registration Number: Freedom Healthnet Ltd is authorised and regulated by the Financial Services Authority.

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

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

product information Group InCare private medical cover for acute medical treatment

product information Group InCare private medical cover for acute medical treatment product information Group InCare private medical cover for acute medical treatment the information provided in this summary is key information you should read. The summary does not contain the full terms

More information

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. Everything you need to know about new, pre-existing and chronic conditions Underwriting Methods and Chronic Conditions Everything you need to know about new, pre-existing and chronic conditions Introduction Contents Page number Introduction 3 A choice of underwriting methods

More information

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions

Underwriting Methods and Chronic Conditions. All you need to know about cover for pre-existing and chronic conditions Underwriting Methods and Chronic Conditions All you need to know about cover for pre-existing and chronic conditions Contents Page number Introduction 3 A choice of ways to apply 4 How we deal with chronic

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

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

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

Policy Document Effective from June 2015. From

Policy Document Effective from June 2015. From Policy Document Effective from June 2015 From Contents Introduction 04 Advice lines 04 Your responsibilities 04 General Terms and Conditions 06 HealthBridge Summary of Cover 06 HealthBridge schedule of

More information

choices Private Medical Insurance designed for today's world Arranged by UK

choices Private Medical Insurance designed for today's world Arranged by UK choices Private Medical Insurance designed for today's world Arranged by UK Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you want quick access to diagnostic tests

More information

health insurance: perfectly formed

health insurance: perfectly formed health insurance: perfectly formed 2 CONTENTS Welcome 03 Handpick your Healthcare Plan 04 The Finishing Touches 05 Benefits Table 06 Underwriting International Flexibility 3 The Corporate Advantage 4 Eligibility

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

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

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance.

Private Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance. Private Medical Insurance Flexible medical benefits designed for today's world UK Changing the image of insurance. Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you

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

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

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

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

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

Medical Insurance Long Term (chronic) Conditions Explained

Medical Insurance Long Term (chronic) Conditions Explained Medical Insurance Long Term (chronic) Conditions Explained October 2013 FS 28452 wpa.org.uk EMS 505226 IS 553152 Introduction This leaflet explains how we manage claims for our policyholders whose medical

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

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

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

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

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

Major Medical Cover. Assurance Extra

Major Medical Cover. Assurance Extra Assurance Extra Major Medical Cover What is Major Medical Cover? Major Medical Cover is an insurance that reimburses you for major medical expenses such as private hospital care or surgery. Why do you

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

Universities & Colleges Personal Healthcare Scheme

Universities & Colleges Personal Healthcare Scheme Universities & Colleges Personal Healthcare Scheme Working with to offer employees of niversities Colleges access to private healthcare cover Private medical insurance for you and your family The University

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

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

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH

BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BUSINESS HEALTHCARE BENEFITS AT A GLANCE FROM VITALITYHEALTH VITALITY.CO.UK/HEALTH BENEFITS AT A GLANCE WITHIN THIS DOCUMENT YOU WILL FIND THE BENEFITS AND COVER OPTIONS YOU COULD HAVE WITH A BUSINESS

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

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

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

GLOSSARY OF MAIN MEDICAL TERMS

GLOSSARY OF MAIN MEDICAL TERMS GLOSSARY OF MAIN MEDICAL TERMS Accidental Injury An injury caused as a direct result of something accidental, outside the body, violent and visible. Accidential injury does not include sickness disease

More information

Business Healthcare benefits at a glance

Business Healthcare benefits at a glance Business Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Business Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

Personal Healthcare benefits at a glance

Personal Healthcare benefits at a glance Personal Healthcare benefits at a glance The below table shows the benefits and cover options you can get with a Personal Healthcare plan from PruHealth. All plans start with Core Cover, which has a variety

More information

Summary of the benefits available on the Quantum Essential Saver Plan

Summary of the benefits available on the Quantum Essential Saver Plan Quantum Essential Saver Quantum Essential Saver 2009 Welcome to the Quantum Essential Saver Plan. Please keep this information in a safe place for future reference. Summary of the benefits available on

More information

Association of British Insurers

Association of British Insurers Association of British Insurers Statement of Best Practice for Sales of Individual and Group Private Medical Insurance September 2011 Introduction This Statement of Best Practice applies to ABI members

More information

Medical Gap Cover. Underwritten by Guardrisk Insurance Company. Guardrisk is a registered and authorised Financial Services Provider FSP Number 75

Medical Gap Cover. Underwritten by Guardrisk Insurance Company. Guardrisk is a registered and authorised Financial Services Provider FSP Number 75 Underwritten by Guardrisk Insurance Company Guardrisk is a registered and authorised Financial Services Provider FSP Number 75 Zestlife is an authorised Financial Services Provider FSP Number 37485 2015

More information

Xerox Custom Healthcare Solution

Xerox Custom Healthcare Solution Xerox Custom Healthcare Solution Xerox HR Services has undertaken a comprehensive review of the employee benefits market, assessing all of the major providers, in order to develop our Xerox Custom Healthcare

More information

What is it? Why do I need it? Key features. Main benefits. REAL Support. Peace of mind cancer care:

What is it? Why do I need it? Key features. Main benefits. REAL Support. Peace of mind cancer care: Protection personal Real Health What is it? REAL Health provides you and your family with high levels of insurance to cover the rising costs of surgical and medical treatments available privately in New

More information

A bother free guide to Preferential Private Health Cover. Your Personal Policy Document

A bother free guide to Preferential Private Health Cover. Your Personal Policy Document A bother free guide to Preferential Private Health Cover Your Personal Policy Document Effective from 1 November 2010 We believe that your health is the most important thing of all and we want to help

More information

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

YOUR LIFELINE 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

frequently asked questions

frequently asked questions Healthcare benefits: frequently asked questions About healthcare benefits What is private medical insurance? Private medical insurance (PMI) is a scheme designed to meet the cost of private medical treatment

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

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

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

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary

LocalCare Group Scheme. Philip Williams & Co Bupa Healthcare Scheme policy summary LocalCare Group Scheme Philip Williams & Co Bupa Healthcare Scheme policy summary Effective from 1 December 2015 This policy summary contains key information about Bupa LocalCare group scheme provided

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

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

Schools Scheme private health cover. Your group guide and policy document

Schools Scheme private health cover. Your group guide and policy document Schools Scheme private health cover Your group guide and policy document Effective from 1 May 2013 Contents 3 Your guide to Schools Scheme private health cover 3 Before joining Simplyhealth 7 Your Schools

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

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

Aviva Health Fit for Business A fresh approach to health insurance

Aviva Health Fit for Business A fresh approach to health insurance Aviva Health Fit for Business A fresh approach to health insurance Aviva Health Fit for Business A fresh approach to health insurance Aviva Health, Fit for Business Welcome to your Be Fit 1 Plan. With

More information

Managing the ISSUE 11

Managing the ISSUE 11 Managing the TriCare Health Fund offers cover for the cost of treatment of short term acute conditions in private hospitals or as a private patient in an NHS hospital. The cost of some complementary therapies

More information

GlobalHealth. The Global Health Elite plan range. Comprehensive cover for a wide range of health care benefits

GlobalHealth. The Global Health Elite plan range. Comprehensive cover for a wide range of health care benefits Health insurance for expatriates The Global Health Elite plan range Comprehensive cover for a wide range of health care benefits International health insurance for expatriates BECAUSE YOU VALUE YOUR HEALTH

More information

Applicable only for (DXB visa holders) with Gross Salary Above AED 4,000.

Applicable only for (DXB visa holders) with Gross Salary Above AED 4,000. Applicable only for (DXB visa holders) with Gross Salary Above AED 4,000. S. No. Benefits Flexi Dubai - Platinum Flexi Dubai - Diamond Flexi Dubai - Gold Flexi Dubai - Silver Flexi Dubai - Bronze Aggregate

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

INDIVIDUAL MEDICAL INSURANCE

INDIVIDUAL MEDICAL INSURANCE INDIVIDUAL MEDICAL INSURANCE ABOUT JUBILEE Jubilee Insurance was incorporated on 3rd August 1937, in a small office in Mombasa and is one of the pioneers in the establishment of a local composite insurance

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

Aetna Latin America & Caribbean Plan for Individuals Gold Plan

Aetna Latin America & Caribbean Plan for Individuals Gold Plan Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Latin America & Caribbean Plan for Individuals Effective September 1, 2013 Maximum annual aggregate limit

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

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

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

Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT

Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,3, 7 and 8 only Contents: Section 1 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including rehabilitation

More information

Personal Healthcare. for individuals and families. General & Medical

Personal Healthcare. for individuals and families. General & Medical Personal Healthcare for individuals and families General & Medical Choose General & Medical Healthcare General & Medical Healthcare specialise in providing quality Private Health Insurance to individuals

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

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan Why you need private medical cover The

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

PG Mutual Medical Care Plan

PG Mutual Medical Care Plan It didn t take Jeff long to get back to everyday life following his operation. Thank goodness for PG Mutual s private medical insurance PG Mutual Medical Care Plan PG Mutual Medical Starter Plan Why you

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

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

Individual medical insurance. Policy summary Health Cover Range

Individual medical insurance. Policy summary Health Cover Range Individual medical insurance Policy summary Health Cover Range What you need to know April 2010 Health Cover Range This policy summary provides a brief description of this private medical insurance from

More information

Health Insurance Policies

Health Insurance Policies Standard Definitions of Terminology used in Health Insurance Policies PUBLISHED IN THE GUIDELINES ON STANDARDISATION IN HEALTH INSURANCE VIDE IRDA CIRCULAR NO: IRDA/HLT/CIR/036/02/2013 DATED 20.02.2013

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

Cancer Treatment Benefit

Cancer Treatment Benefit Cancer Treatment Benefit In Hong Kong, more than 27,000 men and women are newly-diagnosed with cancer each year 1, which means on average one new case is recorded every 20 minutes. Currently 1 in 4 men

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

Forces Pension Society scheme

Forces Pension Society scheme Forces Pension Society scheme The Health Insurance Group Offering you a private medical insurance plan from AXA PPP healthcare with flexible options to suit your needs. January 2013 The Health Insurance

More information

BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997

BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997 QUO FA T A F U E R N T BERMUDA GOVERNMENT EMPLOYEES (HEALTH INSURANCE) (BENEFITS) ORDER 1997 BR 32 / 1997 [made under section 12 of the Government Employees (Health Insurance) Act 1986 and brought into

More information

SecureHealth Ultimate corporate

SecureHealth Ultimate corporate SecureHealth Ultimate corporate Membership handbook What you need to know October 2011 Contacting us While it is important that you read and understand this policy handbook, we understand that it is often

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

Flexi Plus - Diamond. UAE, GCC, ME, SEA including Indian Subcontinent

Flexi Plus - Diamond. UAE, GCC, ME, SEA including Indian Subcontinent S. No. Benefits Flexi Plus - Platinum Flexi Plus - Diamond Flexi Plus - Gold Flexi Plus - Silver 1 Aggregate Limit Under the terms and conditions of the plan, we will pay necessary, customary and reasonable

More information

A guide to Health Select/Health Select 6

A guide to Health Select/Health Select 6 Private healthcare insurance A guide to Health Select/Health Select 6 Put your health first with private healthcare insurance from AXA PPP healthcare healthcare Nothing is more important than your health

More information

In the table below, we have displayed the benefits applicable to your cover.

In the table below, we have displayed the benefits applicable to your cover. International Healthcare Plan for Individuals and Families Benefits Schedule, / USD$, and SGD$ Major Medical, Foundation, Lifestyle, and Lifestyle Plus Effective 1 October 2012 In the table below, we have

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of

More information

OPTION ONE DRUG 1 & DENTAL 1

OPTION ONE DRUG 1 & DENTAL 1 OPTION ONE DRUG & DENTAL An ideal plan for occasional prescriptions dental visits Highlights of Option One: Basic prescription drug coverage (70%) Basic dental coverage (70%) No medical questionnaire is

More information

Healthcare Proposition Overview

Healthcare Proposition Overview Healthcare Proposition Overview Leading innovations in the benefits market ECIS has a wealth of experience in the employee benefits arena and provides benefits solutions to employers operating across a

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

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

Health Insurance from Aviva. Level 2 Family Health Level 2 Family Health with day-to-day

Health Insurance from Aviva. Level 2 Family Health Level 2 Family Health with day-to-day Health Insurance from Aviva Level 2 Family Health Level 2 Family Health with day-to-day Looking out for your health is at the heart of everything we do. We have a plan to suit every budget and we are committed

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

Health Insurance Effective from 1 st March 2015

Health Insurance Effective from 1 st March 2015 Health Insurance Effective from 1 st March 2015 Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn t have been easier, we re very pleased. Mr A Brown

More information

benefits guide 2015 euro POund sterling us dollar swiss franc

benefits guide 2015 euro POund sterling us dollar swiss franc 2015 EURO POUND STERLING US DOLLAR SWISS FRANC Tailor your Cigna expatplus Insurance Choose your core plan You can choose from 3 plans: Globe Orbit Universe You can choose from 2 areas of cover: Worldwide

More information

General & Medical. Private Health Insurance. for individuals and families. in association with Newmarket Lifestyle www.newmarketlifestyle.co.

General & Medical. Private Health Insurance. for individuals and families. in association with Newmarket Lifestyle www.newmarketlifestyle.co. General & Medical Private Health Insurance for individuals and families in association with Newmarket Lifestyle www.newmarketlifestyle.co.uk Newmarket Lifestyle and General & Medical Newmarket Lifestyle

More information

Healthcare Revealed A consumer guide to buying private medical insurance

Healthcare Revealed A consumer guide to buying private medical insurance Healthcare Revealed A consumer guide to buying private medical insurance Welcome to Healthcare Revealed, our guide to helping you understand private medical insurance. In the last few years, the number

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

Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn t have been easier, we re very pleased.

Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn t have been easier, we re very pleased. Health Insurance Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn t have been easier, we re very pleased. Mr A Brown Contents The reassurance of private

More information