Your worldwide medical cover (excluding US)
underwritten by
Guard Insurance Ltd, which is an AAA rated insurer
Medical Membership Benefits
Excess
The medical benefits provided through the membership have no excess.
Hospitals
This policy can be used in any hospital.
Ensure the hospital provides the care that you need.
Main Exclusions
Outpatient treatment
This policy does not cover outpatient treatment unless related to a valid hospitalisation.
Hospitals
This policy does not cover routine or restorative dentistry.
Maternity
This policy does not cover the cost of maternity or childbirth.
Main Definitions
Outpatient treatment
This policy does not cover outpatient treatment unless related to a valid hospitalisation.
Inpatient treatment
Treatment received where You are admitted to a Hospital bed overnight.
Daycare treatment
Treatment is received in a Hospital where you are admitted to a Hospital bed, but not overnight.
Pre-existing conditions
Any disease, Illness or injury, secondary or associated complaint where You have sought or received advice, Treatment or therapy, been submitted to a special diet or shown symptoms in the two years prior to Your Effective Date (whether the condition has been diagnosed or not)
Claiming
Pay & Claim
For claims of less than €1000 you should settle your bill and submit your claims online at www.expatriate.claims
Emergency Assistance
For claims in excess of €1,000 or where you require emergency assistance call +44 (0)203 285 7248: 24 hours / 7 days
Hospital benefits
100%
Private Hospital Bed
100%
Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care.
100%
Prescribed Medicine and Drugs
100%
Diagnostic Tests and Procedures (including MRI, CAT, PET)
100%
Oncology/Cancer Treatment
30 days
Psychiatric
30 days
Home Nursing (following hospitalisation)
€75 a night
Hospital Cash Benefit
€2000
Rehabilitation (following hospitalisation)
100%
Parent Accommodation
100%
Second Opinion for Surgery
€100,000
Organ Transplant
Income replacement
€25,000
Accidental Death and Permanent Total Disability
Employee assistance programme
6 Sessions
Accidental Death and Permanent Total Disability
Benefit schedule
€1,000,000.00
Annual Aggregate Maximum
Outpatients & GP Benefits
Pre-Hospital admission and 60 days following a valid hospitalisation
Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries
Prescribed Medicine and Drugs
Diagnostic Tests and Procedures (including MRI, CAT, PET)
Physiotherapy & Alternative Medicine
100%
Oncology/Cancer Treatment
Not covered
Management of Chronic Conditions
Not covered
Psychiatric
Assistance Services and Special Benefits
100%
Emergency Medical Transportation
100%
Local Ambulance
€75 per day
Expenses for accompanying Dependent
- Travel
- Accommodation & Subsidence
€5000
Repatriation of Mortal Remains
100%
Compassionate Travel
€250
Family Compassionate Travel
€15000
Terminal & Palliative Care
Not covered
HIV, AIDS & ARCS
Assistance Services and Special Benefits
€5000
Complications of Pregnancy
Not covered
Normal Delivery
Not covered
Elective Caesarean Operation
Not covered
Non-elective Caesarean Operation
Not covered
Home Delivery
Not covered
Home Nursing following Home Delivery
Not covered
New born Care
Dental Benefits
100%
Accidental Emergency Dental Treatment
Not covered
Routine Dental Treatment
Not covered
Basic Restorative Dental Treatment
Not covered
Major Restorative Dental Treatment
Optical Benefits
Not covered
Examinations & Lenses (including contact lenses)
Preventative Benefits
Not covered
Medical Check-up