Your worldwide medical cover (excluding the US)
Partners
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: Newborn 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