CONTENTS
( Our service / What happens if you need treatment? / Treatment in the USA / How to claim ( How your claim is processed Direct settlement Pay and claim ) / How you will be paid ( Which currency will you be paid in? / How much will you be paid? / Discretionary payments / Treatment after an accident ) )
Worldwide Medical Insurance ( What is covered? / Staying in hospital overnight or as a day-case / Parent accommodation / Nursing care / Operating room, medicines and surgical dressings / Intensive care. Intensive therapy, coronary care and high dependency unit / Surgery, including surgeons', anaesthetists' and assistants' fees / Specialists' consultation fees / Pathology. X-rays, diagnostic tests and therapies / Rehabilitation / Advanced imaging / Psychiatric treatment overnight in hospital, including room, board and treatment costs / Psychiatric treatment as a day-case, including room, board and treatment costs / Prosthetic implants and appliances / Prosthetic devices / Childbirth and treatment in hospital / Childbirth at home / Newborn care /
Cancer treatment / Transplant services / Hospice and palliative care / Local road ambulance / Local air ambulance / Home nursing / Hospitalisation cash benefit / Emergency dental treatment / Treatment of congenital and hereditary conditions )
Options:
Worldwide medicines and equipment
General exclusions ( 5.0 We do not pay for addictive conditions and disorders / 5.1 Artificial life maintenance / 5.2 Birth control / 5.3 Conflict and disaster / 5.4 Convalescence and admissions for general care, or staying in hospital for.. /
5.5 Cosmetic treatment / 5.6 Developmental problems / 5.7 Donor organs / 5.8 Experimental treatment / 5.9 Eyesight / 5.10. Foetal surgery / 5.11 Footcare / 5.12 Health hydros, nature cure clinics etc / 5.13 Infertility treatment / 5.14 Obesity / 5.15 Personality disorders / 5.16 Pre-existing conditions / 5.17 Preventive treatment / 5.18 Reconstructive or remedial surgery / 5.19 Self-inflicted injuries / 5.20 Sexual problems and gender issues / 5.21 Sleep disorders / 5.22 Temporomandibular joint (TMI) disorders / 5.23 Travel costs for treatment / 5.24 Unrecognised physician, providers or facilities / 5.25 USA treatment )
Important information ( your membership ( Our legal agreement / What forms my membership? / What happens if I move? / Country of residence / citizenship / When does my membership begin? / What happens on my anniversary? / Can I cancel my membership? / Ending your membership / Refunding your subscriptions / How can I change my plan? /
Adding members to your plan / New membership certificates / How are my subscriptions calculated? / How do I pay my subscriptions and other charges? / What happens if I don't pay? / Will the amount I pay change? / Bank charges ) / Making a complaint / useful notes and legal information ( Other parties / Correspondence / Applicable law / False information ) / Glossary )