UltraCare. International private medical insurance for individuals and families

Transcription

1 International private medical insurance for individuals and families 2013

2 Get a quote Call +44 (0) They ve all got a good reason to smile with They do Their second and third child are covered free of charge She does She saved 15% in her third year of cover because she s never needed to claim He does He knows that he is covered worldwide, wherever the job takes him She does She was able to accompany her husband when he was evacuated for life-saving treatment He does He chose where to have his treatment so that he was close to his family pages 02 / 03

3 When it comes to taking care of your health abroad, you ll have good reason to smile too We think that international health insurance should do more than just give you peace of mind for your life abroad. As well as providing first-class service and affordable worldwide medical cover, our insurance plans are packed with useful healthcare benefits for the small things like paying for prescription drugs, right up to the big things like surgery, cancer care and evacuation. With : You pay only for what you need We like to give our customers options. That s why our plans come with a range of benefits, optional plans and excess options to suit your individual needs and budget. Your 2nd, 3rd, and 4th children go free Insuring the whole family can be expensive, so we ve made sure that you can afford the cover you need without compromising on your family s wellbeing. Pay for your first child, and we ll insure your second, third and fourth child for free up to age 18. Your family comes first We ll make sure that you have the support of your loved ones if you need to be evacuated for life-saving medical treatment. We will pay for your dependants to accompany you on the evacuation, their travel to and from hospital, their accommodation, plus a return flight. We will also pay for your return journey from within your area of cover, to visit family should a close family member fall critically ill or die. You get the most appropriate care no matter what Rest assured, if you can t receive adequate treatment locally we will evacuate you to an appropriate facility, whether your condition is critical or not. You are free to be treated anywhere We don t operate restrictive hospital lists that tell you where you can and can t receive your treatment. You are completely free to receive treatment at your preferred hospital or clinic within the area of cover you have chosen on your plan. Your safety matters too We have partnered with crisis management experts red24 to provide you with a safety-net that no other international health insurer offers. Should your safety be threatened by political unrest or natural disaster, red24 will help to steer you out of trouble s way. We ll reward you with a no-claims discount Once you have an plan, for every plan year that you don t claim, we ll reward you with a no-claims discount on the following plan year s premium. The maximum discount you can earn is 25% for four or more consecutive claim free years. We re on your doorstep Wherever you are, you can guarantee that we re never far away. We have offices and partnerships with local insurers in 11 locations, plus well established links with medical service providers around the world. Benefit from a local service delivered by people who speak your language, understand local customs, and offer fast and efficient assistance when you need it.

4 Get a quote Call +44 (0) There s an plan that s just right for you Each expatriate has individual needs so we have designed a range of five plans to offer you choice and flexibility. The at-a-glance chart opposite shows you the differences between the five plans quickly. Take a closer look at each plan on the following pages to see what might suit your needs and your budget best. There are plenty of ways that you can customise your plan including selecting a higher excess, choosing your area of cover, and adding optional benefits. Customise your plan Select your area of cover There are three areas of cover to choose from. Base your decision on where you are living and your home country should you need the option of returning home for treatment. If you travel internationally, select the area of cover that also includes the countries you will travel to. Area 1: Cover in Europe only (not available with Elite) Area 2: Worldwide cover excluding the USA Area 3: Worldwide cover including the USA Choose a voluntary excess You can opt to increase the excess on your plan to enjoy savings of up to 40% on your premiums. Alternatively, for an increased premium, you can select a nil excess to benefit from cashless access to out-patient treatment. Please note that neither of these options are available with Elite. Choose how and when to pay You can pay every month, every three months, or every year in US dollars, GB pounds or Euros. Pay yearly and you ll save over 10% on monthly premiums. Free travel and security assistance included AdviceLine Buy any plan and you ll receive red24 s AdviceLine services at no additional cost: 24/7 access to tailored travel information Expert safety advice and assistance at the end of the phone Travel safety text alerts Information on visiting over 230 countries and territories at your fingertips ActionResponse Choose an Comprehensive, Plus, or Elite plan and you ll benefit from the added peace of mind that ActionResponse brings: On-the-ground support for situations affecting your personal safety and loss of belongings Emergency security evacuation service to remove you from danger in the event of civil unrest Add optional benefits Your plan can be extended to provide you with additional insurance benefits for travel, personal accident and maternity care (the maternity add-on plan is not available with Standard). See the tables of benefits on pages 20 and 21. Visit our website, contact your broker or us directly for more information on any of the above. pages 04 / 05

5 at-a-glance Standard Select Comprehensive Plus Elite Overall annual limit $850, , ,000 $1,275, ,000 1,125,000 $1,700,000 1,000,000 1,500,000 $3,400,000 2,000,000 3,000,000 $3,400,000 2,000,000 3,000,000 In-patient & daycare treatment Full refund up to plan limit Full refund up to plan limit Full refund up to plan limit Full refund up to plan limit Full refund up to plan limit Evacuation & repatriation Relating to in-patient or daycare treatment only Full refund up to plan limit Full refund up to plan limit Full refund up to plan limit Full refund up to plan limit Out-patient consultations, treatment & tests Relating to in-patient or daycare treatment only Full refund up to plan limit Full refund up to plan limit Cancer care Full refund up to plan limit Maintenance of chronic medical conditions Relating to in-patient or daycare treatment only Hospital cash benefit red24 security services AdviceLine AdviceLine ActionResponse ActionResponse ActionResponse Maternity care Optional Optional Optional Optional Emergency treatment outside area of cover Routine wellness health check Out-patient dental treatment Annual dental checkup The table of benefits on pages provides a more detailed description of the plan benefits and their financial limits.

6 Get a quote Call +44 (0) She saved nearly 30% by opting for Standard* pages 06 / 07 * Standard compared to Select - Area 2, age 18-25

7 Standard Select Comprehensive Plus Elite A plan for the essentials If budget is a major consideration or you re happy to pay for your out-patient treatment yourself, like visiting a medical practitioner or paying for a prescription or test, then Standard is your cheapest option. But don t confuse this with sub-standard cover. You will still receive a good level of cover for in-patient and daycare treatment benefits. Standard Standard offers low-priced cover for the essentials providing full cover for in-patient and daycare treatment (excluding psychiatry). Out-patient cover is limited to consultations, treatment and tests received after a stay in hospital. Low-price cover for the essentials Full cover for in-patient and daycare treatment excluding psychiatry Free red24 AdviceLine security service included Optional travel insurance and personal accident plans Evacuation and repatriation benefits relating to in-patient treatment Limited cover for out-patient consultations following related in-patient treatment The optional maternity add-on plan isn t available with Standard, so if you re planning a family you will need to consider one of the other plans. The table of benefits on pages provides a more detailed description of the plan benefits and their financial limits.

8 Get a quote Call +44 (0) They chose Comprehensive for its generous out-patient cover for GP visits and prescriptions pages 08 / 09

9 Standard Select Comprehensive Plus Elite The good-all-round plans For those of you looking for cover that offers a bit of everything, take a look at Select and Comprehensive. These popular plans offer generous in-patient and out-patient cover. Select Select provides full cover for in-patient and daycare treatment (excluding psychiatry) plus a good range of medical benefits in addition to all the benefits of Standard - including out-patient treatment, cover for emergency treatment outside your area of cover and optional cover for maternity. The Standard plan with more Full cover for in-patient and daycare treatment excluding psychiatry Full cover for evacuation and repatriation Cover for out-patient consultations, treatment and tests Free red24 AdviceLine security service included Optional maternity add-on plan Optional travel insurance and personal accident plans Comprehensive Comprehensive provides all the in-patient, daycare and out-patient treatment included in Select, but with higher limits. In addition to all the benefits of Select, Comprehensive includes out-patient dental treatment and a routine health check. A reassuringly comprehensive plan with generous benefit limits Full cover for in-patient and daycare treatment excluding psychiatry Full cover for evacuation and repatriation Free red24 ActionResponse security service included Optional maternity add-on plan Cover for a routine health check Out-patient dental treatment benefits Optional travel insurance and personal accident plans More comprehensive cover for out-patient consultations, treatment and tests The table of benefits on pages provides a more detailed description of the plan benefits and their financial limits.

10 Get a quote Call +44 (0) She has peace of mind knowing that she is covered for almost all eventualities with Elite pages 10 / 11

11 Standard Select Comprehensive Plus Elite The no-compromise plans If you don t want to compromise on the range or level of healthcare benefits that you have access to, then Plus or Elite could be just right for you. Plus Plus is a very wide-ranging plan offering full cover for in-patient and daycare treatment. In addition to all the benefits of Comprehensive, Plus includes full cover for out-patient consultations, treatment, and tests, and double the overall plan limit. The Comprehensive plan with higher benefit limits Full cover for in-patient and daycare treatment Full cover for evacuation and repatriation Optional maternity add-on plan Cover for a routine health check Out-patient dental treatment benefits Full cover for out-patient consultations, treatment and tests Free red24 ActionResponse security service included Optional travel insurance and personal accident plans Elite Elite is our top-of-the-range plan offering the most benefit-rich cover with the most generous benefit limits. It s the only plan that provides full cover for cancer treatment, an annual dental checkup, and no excess as standard. Our most inclusive cover with the highest benefit limits Full cover for in-patient and daycare treatment Full cover for evacuation and repatriation Optional maternity add-on plan Cover for a routine health check No excess to pay Full cover for out-patient consultations, treatment and tests Free red24 ActionResponse security service included Out-patient dental treatment benefits including an annual checkup Optional travel insurance and personal accident plans The table of benefits on pages provides a more detailed description of the plan benefits and their financial limits.

12 Get a quote Call +44 (0) Who is InterGlobal? InterGlobal is a complete specialist in international private medical insurance (IPMI), providing healthcare cover to people of all nationalities in more than 180 countries. We insure individuals, families and corporate or affinity groups, plus we re one of few insurers who have designed health insurance plans specifically for teachers working abroad and international students. Delivering on our promise We invest in good honest hard work, putting the interests of our members first, and delivering on the promise we make to each and every one of you when you sign on the dotted line. And we ve been doing just that since We consistently develop and evolve our business to go beyond the expectations of our members, and we are proud to remain an independent, international health insurer with a reputation for first-class service. It s this attention to detail that has won us the loyalty of our members all over the world. Currently, around 120,000 individuals benefit from our outstanding cover and service, and 80% renew with us year-on-year, so we must be doing something right! Financial strength and stability INTERNATIONAL PMI When you buy medical insurance from InterGlobal you can expect fair and compassionate treatment, and financial strength and stability, backed by the principles of good regulation. InterGlobal is a financially secure organisation with a B++ (Good) A.M. Best rating, authorised and regulated by the Financial Services Authority (FSA) in the UK. Our regional head office in Singapore is authorised by the Monetary Authority of Singapore (MAS). pages 12 / 13

13 InterGlobal around the world Our plans have been designed by us, they are insured by us, and they are delivered by our own professional teams in 11 offices around the world. Where local regulations dictate, our plans are underwritten by insurance partners so that you can be confident that our plans comply with local laws. United Kingdom Kuwait Qatar UAE China Japan Thailand Vietnam Singapore Indonesia South Africa 120,000+ members on cover 300+ employees worldwide 15 years as a specialist IPMI provider 11 offices around the world 11 award wins since 2004

14 Get a quote Call +44 (0) The true test of a medical insurance plan is how well it responds in an emergency Assistance Providing multilingual help and support whenever you need it 99% member satisfaction In a recent member satisfaction survey*, 99% of 252 members surveyed said that they were satisfied with the service that they received from InterGlobal Assistance. A staggering 83% rated us as very good to excellent overall, and 9 out of 10 would recommend InterGlobal to friends, family and colleagues. How do you rate InterGlobal overall? Excellent/very good: 83% Good: 9% Evacuation Getting you to hospital quickly in an emergency Average: 8% *InterGlobal Assistance Customer Satisfaction Survey completed between November 2011 and October 2012 Treatment Connecting you with first-class medical care and facilities pages 14 / 15

15 Smile, you re in safe hands with InterGlobal With a global network of offices and partners, InterGlobal works at a local, regional and international level to connect you with first-class medical assistance abroad, wherever and whenever you need it. We are committed to helping our plan members get the best from their healthcare overseas. We re also committed to providing a timely and professional insurance claims service that delivers financial protection and care when you need it most, backed by our own assistance service, InterGlobal Assistance. Round the clock assistance, 365 days a year The test of any international private medical insurance plan is how well it responds in an emergency. When you call InterGlobal Assistance, you can rely on a team of well-trained, multi-lingual co-ordinators, duty doctors and nurses. Not only will we seek the most adequate facilities for your needs, but we will arrange admittance to hospital, approval and payment of treatment, and evacuation by ground or air ambulance. Throughout your time in hospital, we re on hand to support you through your treatment. We will liaise with your doctor to make sure that you re receiving the most appropriate care at all times to aid your recovery. So all you need to worry about is getting better. When you need to claim If you are admitted to hospital or you receive daycare treatment, we will take care of your eligible hospital bills directly with the medical provider. You don t have to worry about paying large bills up front, all you have to do is pay an excess if your plan has one. In some locations, we can also provide cashless access to out-patient treatment through a direct billing network of providers. Where we don t have direct billing arrangements, we offer a prompt claims reimbursement service. You pay the provider up front for your out-patient treatment and then claim the costs back from us.

16 Get a quote Call +44 (0) table of benefits Standard Select Comprehensive Plus Elite 1 Overall limits 1.1 Under the terms and conditions of the plan, we will pay reasonable costs up to an overall maximum, for you in each plan year (unless a lifetime limit is shown): 500,000 $850, , ,000 $1,275,000 1,125,000 1,000,000 $1,700,000 1,500,000 2,000,000 $3,400,000 3,000,000 2,000,000 $3,400,000 3,000,000 2 In-patient and daycare treatment (see section 19 for deductibles) 2.1 Accidents and emergencies 2.2 Hospital accommodation Intensive care, theatre costs, nursing fees, medical expenses and other charges, surgeons, consultants, anaesthetists and medical practitioners fees, prescribed drugs, MRI, PET and CT scans, X-rays, pathology, diagnostic tests and procedures and physiotherapy by a registered physiotherapist Reconstructive surgery following an accident or following surgery for an eligible medical condition Prostheses: artificial body parts surgically implanted to form permanent parts of your body Parent accommodation for a parent or legal guardian with an insured child under the age of 18 in hospital for an eligible medical condition Dental treatment that medically requires you to be admitted in to hospital to restore damage to your natural teeth following an accident that is covered under your plan Psychiatric treatment and psychotherapy for up to 30 days, available after you have had 12 months continuous cover from the date that the benefit was first introduced on your plan Paid in full Paid in full Paid in full Paid in full Paid in full 3 Out-patient treatment (see section 19 for deductibles) Consultations to include medical practitioners fees, prescribed drugs and dressings, X-rays, pathology, diagnostic tests and procedures Physiotherapy by a registered physiotherapist, when referred by a medical practitioner, consultant or specialist* Complementary medicine and treatment by a therapist, when referred by a medical practitioner, consultant or specialist. This benefit covers osteopathic, chiropractic, homeopathic, podiatry and acupuncture treatment only* 3.4 Traditional Chinese medicine* 3.5 Psychiatric treatment and psychotherapy available after you have had 12 months continuous cover from the date that the benefit was first introduced on your plan 3.6 MRI, PET and CT scans 3.7 Out-patient surgical operations Up to 300 $ paid in each plan year for pre-operative tests up to 72 hours before in-patient or daycare treatment and following related in-patient or daycare treatment for a period of 90 days after leaving hospital 3,000 $5,100 4,500 *Complementary medicine and treatment, traditional Chinese medicine and physiotherapy limited to 750 $1,275 1,125 5,000 $8,500 7,500 *Complementary medicine and treatment, traditional Chinese medicine and physiotherapy limited to 1,000 $1,700 1,500 Paid in full 2,000 $3,400 3,000 2,000 $3,400 3,000 Paid in full 3,000 $5,100 4,500 2,000 $3,400 3,000 Paid in full Paid in full Paid in full Paid in full pages 16 / 17

17 Standard Select Comprehensive Plus Elite 4 Out-patient dental treatment 4.1 Treatment for the immediate relief of dental pain, accidental damage to natural teeth and restoring natural teeth including X-rays, fillings, extractions, root-canal treatment, gum treatment, semi-precious and replacement crowns. This benefit is available after you have had 182 days continuous cover from the date that the benefit was first introduced on your plan (see section 19 for deductibles) 75% of 500 $ % of 750 $1,275 1, $1,275 1, One dental checkup in each plan year to include scraping, cleaning and polishing 100 $ Cancer care (see section 19 for deductibles) Treatment aimed to cure cancer, including bone marrow transplants Stabilising acute episodes of a cancer which is diagnosed as a chronic medical condition In-patient and daycare treatment covered up to the benefit limit shown in section 2. Out-patient treatment paid up to 3,000 $5,100 4,500 Paid in full Paid in full Paid in full Paid in full Consultations, tests, drugs and dressings to maintain the symptoms of a cancer which is diagnosed as a chronic medical condition Palliative and hospice care when cancer is diagnosed as a terminal medical condition Covered in the benefit limit shown in section 7.2 Covered in the benefit limit shown in section 8.1 Covered in the benefit limit shown in section 7.2 Covered in the benefit limit shown in section 8.1 Covered in the benefit limit shown in section 7.2 Covered in the benefit limit shown in section Wellness benefit 6.1 Adults (18 and over): routine health checks including cancer screening, cardiovascular examinations, neurological examinations, vital sign tests (for example, blood pressure, cholesterol checks) and vaccinations 6.2 Children (0-17): well-child tests and vaccinations 400 $ $ $ Chronic medical conditions (see section 19 for deductibles) Stabilising acute episodes of chronic medical conditions In-patient, daycare and out-patient treatment to include consultations, tests, drugs and dressings to maintain the symptoms of chronic medical conditions Covered in the benefit limit shown in section 2. Covered in the benefit limit shown in section 3.1 for pre-operative tests up to 72 hours before in-patient or daycare treatment and following in-patient or daycare treatment for a period of 90 days after leaving hospital Covered in the benefit limits shown in sections 2 and 3 a lifetime limit of 40,000 $68,000 60,000 Covered in the benefit limits shown in sections 2 and 3 a lifetime limit of 50,000 $85,000 75,000 Covered in the benefit limits shown in sections 2 and 3 a lifetime limit of 60,000 $102,000 90,000 Covered in the benefit limits shown in sections 2 and 3 a lifetime limit of 60,000 $102,000 90, Please note: If a chronic medical condition becomes terminal, cover under the chronic medical conditions benefit will end. We will only cover terminal medical conditions under the terminal illness benefit 8 Terminal illness 8.1 Palliative and hospice care for a terminal medical condition a lifetime limit of 40,000 $68,000 60,000 a lifetime limit of 50,000 $85,000 75,000 a lifetime limit of 60,000 $102,000 90,000 a lifetime limit of 60,000 $102,000 90,000 Terminal medical conditions related to cancer are covered in the benefit limit shown in section 5.4

18 Get a quote Call +44 (0) table of benefits Continued Standard Select Comprehensive Plus Elite 9 Hormone replacement therapy 9.1 Hormone replacement therapy for pre- and postmenopausal symptoms Up to 150 $ paid in each plan year following related in-patient or daycare treatment for a period of 90 days after leaving hospital 150 $ $ $ $ HIV or AIDS - available after you have had four years continuous cover from the date that the benefit was first introduced on your plan (see section 19 for deductibles) 10.1 Treatment for HIV or AIDS and related medical conditions a lifetime limit of 50,000 $85,000 75,000 a lifetime limit of 50,000 $85,000 75,000 a lifetime limit of 50,000 $85,000 75,000 a lifetime limit of 50,000 $85,000 75, Emergency local ambulance 11.1 Costs of appropriate ambulance transport needed because of an emergency or medical necessity to the nearest available and appropriate local hospital Paid in full Paid in full Paid in full Paid in full Paid in full 12 Organ transplants (see section 19 for deductibles) 12.1 Transplants of kidney, liver, heart, lung or heart and lung and any related treatment that you need as a result of a covered medical condition 250,000 $425, , ,000 $425, , ,000 $425, , ,000 $425, , ,000 $425, , Nursing at home 13.1 Primary care services of a registered nurse in your home immediately after, or instead of, in-patient or daycare treatment 1,500 $2,550 2,250 2,500 $4,250 3,750 2,500 $4,250 3, Please note: The benefit for nursing at home does not apply to terminal medical conditions. We will only cover terminal medical conditions under the terminal illness benefit 5,000 $8,500 7,500 5,000 $8,500 7, Compassionate emergency visit 14.1 Costs you have to pay for an economy class return ticket from a country within your area of cover to visit a close family member, if their medical condition results in them being placed on a critical list, or their death. You are limited to one return journey in each plan year Paid in full Paid in full Paid in full Paid in full 15 Hospital cash benefit 15.1 Cash payment made to you for each night you are in hospital for in-patient treatment that you receive free of charge 250 $ paid for each night, up to 7,500 $12,750 11, $ paid for each night, up to 7,500 $12,750 11, $ paid for each night, up to 7,500 $12,750 11, $ paid for each night, up to 7,500 $12,750 11, $ paid for each night, up to 7,500 $12,750 11,250 pages 18 / 19

19 Standard Select Comprehensive Plus Elite 16 Evacuation and repatriation The costs to transport you to the nearest location within your area of cover where appropriate medical facilities are available. We will only pay this benefit, including treatment received, if you suffer from a medical condition; (a) that means you need to be placed on a critical list, or (b) for which, in our opinion, appropriate treatment is not available locally Economy class ticket to the country where you live following your evacuation Costs of your dependants, a close family member or business colleague having to accompany you for a medical evacuation. This benefit will only become available under the conditions detailed in clause (a) of section 16.1 above and must be pre-authorised by us. We will provide cover for the following: return economy flight overnight accommodation to include breakfast return taxi from the airport to the hotel return taxi from the hotel to the hospital once a day Paid in full when relating to in-patient or daycare treatment Paid in full Paid in full Paid in full Paid in full 17 Mortal remains 17.1 If you die outside of your home country, we will pay the costs of preparing and transporting your body, mortal remains or ashes to your home country, or we will pay the costs of preparing your body or mortal remains for local burial or cremation Paid in full Paid in full Paid in full Paid in full Paid in full 18 Emergency medical treatment outside area of cover (see section 19 for deductibles) 18.1 Emergency medical treatment outside of your area of cover 20,000 $34,000 30,000 30,000 $51,500 45,000 35,000 $59,500 52,500 35,000 $59,500 52, Deductibles Out-patient treatment excess on sections 3, 5, 7 and 10. This deductible is applied for each medical condition in each plan year In-patient, daycare and out-patient treatment excess on sections 2, 3, 5, 7, 10, 12 and 18. This deductible is applied for each medical condition in each plan year Out-patient dental treatment co-insurance on section 4.1. This deductible is applied to each claim $ Only applied if you have chosen a voluntary excess. This replaces the standard excess shown in section $ Only applied if you have chosen a voluntary excess. This replaces the standard excess shown in section $ Only applied if you have chosen a voluntary excess. This replaces the standard excess shown in section $ Only applied if you have chosen a voluntary excess. This replaces the standard excess shown in section 19.1 N/A N/A 25% 25% Nil Nil N/A 20 red24 security services AdviceLine - 24/7 personal security information and advice for all travel safety queries ActionResponse - 24/7 international rescue and response service for a potentially life-threatening, non-medical event Included on your plan. Please contact red24 or visit com/interglobal N/A Included on your plan. Please contact red24 or visit com/interglobal N/A Included on your plan. Please contact red24 or visit com/interglobal Included on your plan. Please contact red24 or visit com/interglobal Included on your plan. Please contact red24 or visit com/interglobal

20 Get a quote Call +44 (0) Optional plan benefits Maternity plan Areas 1 & 2 Area 3 Under the terms and conditions of the plan, we will pay reasonable costs up to an overall maximum for each pregnancy, in each plan year: 1,000,000 $1,700,000 1,500,000 1,000,000 $1,700,000 1,500,000 1 Normal uncomplicated pregnancy and childbirth Delivery costs, antenatal checkups, postnatal checkups, examinations, hospital accommodation costs and nursing charges This benefit covers no more than three routine antenatal ultrasound scans (one in each trimester) during the term of a normal uncomplicated pregnancy. If any more ultrasound scans are needed, your treating doctor must provide full reasons in the medical section of the claim form. This benefit also covers 12 routine antenatal visits during the term of a normal pregnancy. If any more antenatal visits are needed, your treating doctor must provide full reasons in the medical section of the claim form, so we can consider cover. This benefit covers the following for the newborn child: one consultation charge to cover a physical examination, vitamin K, hepatitis B and BCG vaccine one hearing test routine blood tests for PKU, congenital hypothyroidism and G6PD accommodation costs for no more than four nights for the newborn child, if the mother is admitted and not suffering any complications. Co-insurance You must pay a co-insurance for each claim under section 1. You can choose to have either: no co-insurance; 10% co-insurance; or 20% co-insurance. The total amount payable for a claim under section 1 will be either 100%, 90% or 80% of the benefit limit shown depending on the co-insurance you have chosen and the area of cover of your plan. 5,000 $8,500 7,500 7,500 $12,750 11,250 2 Complications in pregnancy during the antenatal period and childbirth Treatment for a medical complication which happens during the antenatal period of a pregnancy or childbirth due to a medical condition. This benefit does not cover any complication arising from a pregnancy resulting from assisted conception. Any complication arising from a pregnancy resulting from assisted conception will be limited to the amounts shown in section 1 above Paid in full Paid in full 3 Birth defects and congenital abnormalities Investigation and treatment of birth defects and congenital abnormalities, including birth trauma, which are diagnosed in the first six months from birth. This benefit is available for each pregnancy for 12 months from the date of diagnosis 20,000 $34,000 30,000 30,000 $51,000 45,000 4 Terminating a pregnancy Terminating a pregnancy when medically necessary Paid in full Paid in full 5 Newborn child accommodation Hospital accommodation costs for a newborn child to stay with its mother when she is receiving treatment as an in-patient in a hospital for a medical condition covered under this plan Paid in full Paid in full 6 Emergency local ambulance Costs of appropriate ambulance transport needed because of an emergency or medical necessity to the nearest available and appropriate local hospital Paid in full Paid in full Eligibility Cover under this plan is only valid if your Select, Comprehensive, Plus, or Elite plan is in force. Available to female members only. The minimum age at entry for this plan is 18. The maximum age at entry is 44. Once you have reached the age of 46 during your plan year, your cover will not be renewed. Cover becomes available for treatment received 12 months after the start date of this plan. For a full description of cover, please refer to the plan guide available at pages 20 / 21

21 Travel insurance plan at-a-glance Worldwide cover Trips of no more than 180 days at any time during the plan year A Medical treatment 2,000,000, $3,400,000, or 3,000,000 in each plan year A Relief of dental pain 1,000, $1,700, or 1,500 for each trip B Loss of deposits, cancellations or curtailments 3,000, $5,100, or 4,500 for each trip C Travel delays 50, $85, or 75 paid for each full 12 hours up to 150, $255, 225 for each trip D Missed departures and travel disruption 1,000, $1,700, or 1,500 for each trip E Hijack 100, $170, or 150 paid for each full 24 hours up to 1,500, $2,550, or 2,250 for each trip F Baggage and personal effects 300, $510 or 450 paid for any one, pair, or set of articles up to 2,000, $3,400, or 3,000 for each trip G Delayed baggage 100, $170, or 150 for each trip after a delay of 12 hours or more from the time of your arrival H Loss of money 500, $850, or 750 for each trip I Lost or stolen passport and travel documents 500, $850, or 750 for each trip Deductibles 25.00, $42.50, or applied to each claim Eligibility Cover under this plan is only valid if your plan is in force. You cannot be older than 74 when joining this plan. For a full description of cover, please refer to the full travel table of benefits available at Personal accident plan at-a-glance Worldwide cover Bodily injury due to any one or more accidents (no cover for sickness or disease) Overall benefit limit 50,000, $85,000, 75,000 paid for each unit (maximum of 5 units: 250,000, $425,000, 375,000) A Accidental death 50,000, $85,000, 75,000 paid for each unit if you die within 12 months of an accident B C Permanent total disablement Permanent partial disablement 50,000, $85,000, 75,000 paid for each unit if you suffer a permanent total disablement because of an accident, within 12 months of the accident A percentage of 25,000, $42,500, 37,500 paid for each unit if you suffer a permanent partial disablement because of an accident, within 12 months of the accident Eligibility Cover under this plan is only valid if your plan is in force. You must be aged 18 to 74 when joining this plan. We provide cover for managerial, clerical and administrative occupations only. If you take part in any hazardous pursuit or occupation, which puts you at greater risk of a bodily injury caused by an accident, the planholder or your plan administrator must tell us. We will tell the planholder or plan administrator if we agree to cover you and let them know any extra premium that will apply. Accumulation limit The maximum amount we will pay multiple members on the same plan for personal accident claims arising from any one event in any one location or vehicle is 2,500,000, $4,250,000 or 3,750,000. For a full description of cover, please refer to the full personal accident table of benefits available at

22 Get a quote Call +44 (0) Choose an plan today and enjoy peace of mind for all your tomorrows InterGlobal has the size, the scope, and the reach to provide an exceptional local service on a global scale to every single plan member in every single situation. We re faced with all sorts of uncertainties in life, but one thing is for certain. When you choose an plan from InterGlobal, you can sit back, smile, and enjoy your expatriate lifestyle knowing that your health and your financial wellbeing are in very capable hands. What you can expect Affordable choice and flexible options Outstanding service from an award-winning company 11 offices around the world offering local support In-patient bills paid direct so you re never out of pocket Prompt reimbursement of out-patient claims 24-7 support and assistance just a phone call away Free travel and security services from red24 30-day money back guarantee We are sure that you will be happy with your plan, but should you change your mind, don t worry. You may cancel your plan within 30 days of the date of joining or on receipt of the plan documentation, whichever is the later, without penalty. Provided you have not already made a claim under the plan, your premium will be returned in full. What you need to know Moratorium underwriting We underwrite our plans on a 24 month moratorium basis. This means that any pre-existing medical conditions that have existed in the 24 months before your plan starts, will not be covered until you have been free of symptoms and treatment for 24 months after the start date of your plan. Full Medical Underwriting Alternatively, you may apply for Full Medical Underwriting (FMU) to cover all or some of your pre-existing conditions. You will need to submit a full medical declaration for us to assess. We will agree to either accept all or some of your pre-existing medical conditions at a premium increase, or we may decline cover altogether. Transferring from another insurer If you already have a health insurance plan with another insurance provider, we may be able to continue your cover with the same underwriting terms. Please be aware that our policy terms, conditions and benefits may be different from those offered by other insurers. For a full description of pre-existing medical conditions and an explanation of our underwriting terms, please see our plan guides available at www. interglobalpmi.com pages 22 / 23

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24 for business Bespoke options for groups of 3+ employees Local plans Africa Channel Islands Executive (UAE) Indonesia Singapore Thailand Vietnam Other healthcare plans from InterGlobal International Schools International Students Get a quote Contact your broker Call us on +44 (0) Follow us on Like us on UK China Indonesia Japan Kuwait Qatar Singapore South Africa Thailand UAE Vietnam Policies are underwritten by InterGlobal Insurance Company Ltd (Company Reg No ) and administered by InterGlobal Limited (Company Reg No ) on behalf of the insurer. Both companies are authorised and regulated by the Financial Services Authority. MOO1-1E-0113