European Health Cover

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1 European Health Cover Connecting you to medical expertise wherever you are. European Health Cover

2 European Health Cover Peace of mind We ll help connect you to the right medical expertise, wherever you are.

3 _01 Health peace of mind, when you re living or working in Europe When you ve relocated abroad, there can be all kinds of obstacles to getting appropriate health care if you have an accident or become ill from language barriers, to simple availability; some areas may have basic, inaccessible or even non-existent medical facilities. That s why, for whatever reason you re spending time in Europe, you need a health care plan that will look after you and provide peace-of-mind for you and your loved ones. Our European Health Cover gives you: Round-the-clock support Access to the care you need at over 1,500 providers throughout Europe Personal case management for serious diagnoses, with help in finding the right treatment and full support throughout 24-hour information and medical helplines, offering immediate access to qualified health care professionals Expert security information, with a 24/7 telephone hotline and MyGlobe online, providing up-to-date information on terrorist threats, civil unrest, natural disasters, crime and medical outbreaks. Peace of mind when you re far from home Emergency medical evacuation Interpretation service over-the-phone A 24-hour telephone claims service, with empathetic, trained personal advisers who will be able to confirm if your treatment is covered Secure online access to your account, any time. Health protection in the following countries: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Republic of Cyprus (including Akrotiri and Dhekelia SBAs), Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, FYR Macedonia, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal (including Madeira), Romania, Russian Federation, San Marino, Serbia and Montenegro, Slovak Republic, Slovenia, Spain (including the Canary Islands), Sweden, Switzerland, Tajikistan, Turkey, Turkish Republic of Northern Cyprus, Turkmenistan, Ukraine, United Kingdom of Great Britain and Northern Ireland, Uzbekistan and Vatican City State.

4 European Health Cover 24/7 Care We ll help connect you to the treatment you need You need to know that if anything happens to you or your family s health, you ll have access to care and treatment wherever you are in Europe. Personal Medical Case Management We ve teamed up with an independent personal case management service to support you if you re diagnosed with a serious eligible condition. At a crucial time when you may feel overwhelmed, far from home and out of your comfort zone, the dedicated team of clinical experts will create a care plan for you, and provide ongoing support 24/7. Even if the treatment recommended isn t covered under your policy s terms and conditions, you will still have access to the case management service. Access and manage your plan, with Customer Online With secure access to Customer Online, you can view your plan and manage your claims as well as view essential health and country information. Vital health insights, with MyGlobe MyGlobe, available via Customer Online, provides access to health and security updates throughout the world and enables you to find your nearest clinic. You can research country information, find recognised providers, links to embassies, vaccinations, airports and emergency facilities and receive vital health and security updates, risk ratings and alerts. Direct access to health care professionals, any time Our Health at Hand confidential service enables you to call our team of trained medical professionals, 24 hours a day, any day of the year. So if you ve a late night worry about a child s health, or have a question you forgot to ask a medical practitioner, they re on hand to help. Find an English-speaking doctor, dentist or optician However well you speak the local language, it s comforting to know you can find an English-speaking doctor, dentist or optician when you need to. Our 24-hour Doctor, Dental and Optical helpline will provide details of local practitioners who speak English, making life just that bit easier. Get a skilled interpreter on the line straight away Our International Health Plan includes a telephone interpretation service, at no additional cost (apart from the cost of a phone call). Any time of day or night, you can call the service, and they ll arrange for skilled interpreter to come on the line and help. Emergency evacuation or repatriation If you can t get the emergency in-patient treatment you need locally, we ll arrange to get you evacuated to an appropriate facility. Our European Health Cover plan provides access to the overseas evacuation service, which delivers emergency medical advice and assistance wherever you are in the world, 24 hours a day, 365 days a year. A hotline to security information 24/7 Our Security Hotline service has intelligence on more than 180 countries and 900 cities, and offers invaluable assistance on situations such as political or civil unrest, natural disasters, local diseases, crime and terrorism. Multi-lingual security experts are available 24/7 to analyse risk and help you from providing reassurance before travel, to evacuation in an emergency. All from a name you can trust AXA PPP International is part of the AXA Group, one of the world s leading insurance companies with a strong presence in 61 countries so you can feel reassured that whatever happens, we have the global and local knowledge to help. 102 million customers worldwide have placed their trust in the AXA Group, and with 70 years in the health care market (and more than 40 years internationally) we re a safe pair of hands for your health. Some terms explained: In-patient When you re admitted to hospital, and need to occupy a bed overnight or longer for medical reasons. Day-patient When you re admitted to a hospital or day-patient unit because you need a period of medically supervised recovery, but you don t need a bed overnight. Out-patient When you attend a hospital, consulting room or out-patient clinic and are not admitted either as a day-patient or an in-patient.

5 02_03 Cover Choose the level of cover that suits you: The three levels you can choose from Level 3 Level 2 Level 1 Annual policy benefit limits 100,000/ 125,000 50,000/ 65,500 20,000/ 25,000 In-patient cover Hospital treatment charges, diagnostic tests, nursing care, theatre charges, physiotherapy, drugs, dressings and medical appliances used by the medical practitioner during the operation 40,000/ 51,000 20,000/ 25,500 7,500/ 9,560 Surgeons, anaesthetists and physicians charges No annual maximum No annual maximum No annual maximum Parent accommodation. Charges for one parent staying with a child member Out-patient cover Out-patient surgical procedures Paid in full Not included Not included No annual maximum No annual maximum No annual maximum Out-patient treatment limits for the following three benefits: 2,500/ 3,185 1,170/ 2,230 1,000/ 1,275 Medical practitioner and psychiatric consultations 20/ 25 excess for each visit 20/ 25 excess for each visit 20/ 25 excess for each visit Physiotherapy consultations, diagnostic tests and vaccinations Included Included Included Complementary practitioner Up to 300/ / 25 excess for each visit Up to 200/ / 25 excess for each visit Up to 100/ / 25 excess for each visit Out-patient drugs and dressings prescribed by a medical practitioner Up to 100/ 125 Not included Not included Brain and body scans Magnetic resonance imaging (MRT), computerised tomography (CT scan) and positron emission tomography (PET scan) received as an in-patient, day-patient or out-patient Cancer cover Radiotherapy and chemotherapy Experimental drug treatments as part of an ethically approved drug trial Paid in full Paid in full Paid in full No annual maximum No annual maximum No annual maximum No annual maximum No annual maximum No annual maximum Follow-up consultations: Membership lifetime up to the out-patient limit Membership lifetime up to the out-patient limit Membership lifetime up to the out-patient limit Hospital-at-home Paid in full up to 14 days Paid in full up to 7 days Paid in full up to 5 days Day-patient and in-patient radiotherapy and chemotherapy cash benefit 50/ 60 per day up to 2,000/ 2,400 50/ 60 per day up to 2,000/ 2,400 50/ 60 per day up to 2,000/ 2,400 Emergency cover Road ambulance for emergency transport to or between hospitals Up to 500/ 635 Up to 200/ 255 Up to 150/ 190 Evacuation or repatriation Paid in full Paid in full Paid in full Health and wellbeing cover Accidental damage to teeth Support and helplines Health at Hand Paid in full up to 5,000/ 6,375 Not included Not included Included Included Included Security Hotline Included Included Included Doctor, Dental and Optical helpline Included Included Included Interpretation service helpline Included Included Included Personal Medical Case Management Included Included Included

6 European Health Cover Exclusions What s not included Are there any general exclusions on your International Health Plans? Our European Health Cover plan is designed to cover treatment of medical conditions that respond quickly to treatment known as acute conditions. So like most health insurance policies, there are a number of exclusions and limitations on the plans. Here s a summary: Treatment of medical conditions that existed, or you had symptoms of, before joining Treatment costs incurred as a result of engaging in, or training for, any sport for which you receive a salary The following dental treatments: Routine check-ups Scale and polish Cosmetic treatment Dental treatment as a result of neglect. Routine pregnancy and childbirth Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as chronic conditions) Claims if you have travelled outside of Europe. You can find full details of what you are and are not covered for in the membership handbook or simply get in touch and ask us.

7 04_05 Here for you We ll help connect you to the right medical expertise, 24/7. Visit axapppinternational.com

8 Contact us Wherever you are, we ll help connect you to the right medical expertise. So which plan will you choose? Visit axapppinternational.com AXA PPP International is a trading name of AXA PPP healthcare Limited. Registered office: 5 Old Broad Street, London EC2N 1AD. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA PPP healthcare We may record and/or monitor calls for quality assurance, training and as a record of our conversation. PB47256/10.13

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