Table of International Personal Health Insurance Policies & Benefits
| Personal Health | ||
| yourLife | yourFamily | |
| Maximum Lifetime Plan Benefit $ USD | $2,500,000 | $2,500,000 |
| Annual Maximum Plan Benefit $ USD | $1,500,000 | $1,500,000 |
| Maximum Lifetime Plan Benefit € EUR | €2,000,000 | €2,000,000 |
| Annual Maximum Plan Benefit € EUR | €1,250,000 | €1,250,000 |
| Maximum Lifetime Plan Benefit £ GBP | £1,500,000 | £1,500,000 |
| Annual Maximum Plan Benefit £ GBP | £1,000,000 | £1,000,000 |
Hospitalisation Benefits |
||
| Accommodation | Semi-Private Room | Semi-Private Room |
| Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Intensive Care Unit | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Inpatient Ancillary Services including Physical and Occupational Therapy as day-or inpatient | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Surgeons and anaesthetists fees | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Inpatient consultation by Specialist | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Emergency Room | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Pathology, radiology, and diagnostic tests | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| MRI, CT and PET scans | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Private Duty Nursing (Lifetime maximum) | $7,500 €6,000 £5,000 |
$7,500 €6,000 £5,000 |
| Skilled Nursing Facility (Lifetime maximum) | $7,500 €6,000 £5,000 |
$7,500 €6,000 £5,000 |
| Home Health Care (Lifetime maximum) | $7,500 €6,000 £5,000 |
$7,500 €6,000 £5,000 |
| Hospice Care Services (Lifetime maximum) | $10,000 €8,000 £6,500 |
$10,000 €8,000 £6,500 |
| Emergency Dental Treatment Ð as a result of accident | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Cancer Treatment | 100% Overseas 90% US & Canada |
100% Overseas 90% US & Canada |
| Child Accompaniment If the Insured Person is a child under 16 who requires Hospitalisation, We will pay for necessary overnight accommodation for one parent in the same Hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary. |
✗ | 100% |
| Managed Transplant Program | ||
| Organ Transplants Maximum Lifetime | $500,000 €400,000 £300,000 |
$500,000 €400,000 £300,000 |
| Tissue Transplants (as part of the overall Organ max.) Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. |
$250,000 €200,000 £150,000 |
$250,000 €200,000 £150,000 |
Outpatient Benefits |
||
| Surgery as Outpatient | 100% Overseas 90% US & Canada | 100% Overseas 90% US & Canada |
| Physician Office Visits & Specialist Fees | 90% | 90% |
| Diagnostic & Therapeutic Services (as outpatient) | 90% | 90% |
| Physical Therapy (as outpatient) | 90% $75 €60 £50 policy year max 30 visits |
90% $75 €60 £50 policy year max 30 visits |
| Occupational Therapy (as outpatient) | 90% $75 €60 £50 policy year max 30 visits |
90% $75 €60 £50 policy year max 30 visits |
| Chiropractic Services | 90% | 90% |
| Policy Year Maximum for Chiropractic Services Referral letter required from medical physician |
$750 €600 £500 |
$750 €600 £500 |
Prescription Program |
||
| In US (no deductible applies) | 90% generic 80% brand |
90% generic 80% brand |
| All other countries (ded. applies) | 90% | 90% |
| Complimentary Medicine Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy |
✗ | 90% $500 €400 £350 |
| Routine Dental | ✗ | ✗ |
| Diagnostic & Preventive | ✗ | ✗ |
| Dental Plan Option Available | ✔ See Dental Options |
✔ See Dental Options |
Maternity & Newborn Cover |
||
| Pregnancy Normal Delivery | ✗ | 90% $10,000 €7,500 £6,500 |
| Complicated Pregnancy | ✗ | 90% $12,000 €8,500 £8,000 |
| Routine Nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. | ||
| Newborn Cover Included in New Born Cover are Premature Births, Congenital Conditions and Birth Anomolies. New Born Cover is only available for a covered pregnancy. |
✗ | $25,000 €20,000 £15,000 |
Wellness & Routine Services |
||
| Adults | $500 €400 £300 |
$500 €400 £300 |
| Routine physical exams in connection with overall health and wellbeing | 90% | 90% |
| Pap Smear | 90% | 90% |
| Mammograms Ages 35-39 one baseline exam Ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline Age 50 & over one exam annually Any age whenever prescribed by a physician |
90% | 90% |
| Prostrate Cancer Screening One test per policy year for males age 50 or over |
90% | 90% |
| Immunisations & Vaccinations | 90% | 90% |
| Children | ||
| Maximum per policy year - birth to age 12 months |
✗ | $300 €275 £225 |
| Maximum per policy year - 13 months and over |
✗ | $200 €150 £125 |
| Routine medical exams and immunisations & vaccinations | 100% | |
| Child Preventive Care Services | 100% | |
| Hearing Tests | 100% | |
| 6 month waiting period applies to all Wellness Benefits but waits are waived for policies that are paid annually. Overall Wellness Benefit Maximums apply to all routine and wellness benefits for Adults and Children. | ||
Vision Care Cover |
100% | 100% |
| Maximum per 24 month period 6 month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. |
$300 €275 £225 |
$300 €275 £225 |
Emergency Evacuation, Repatriation and Ambulance Services |
||
| Medical Evacuation & Assistance | 100% | 100% |
| 24/7 Emergency Medical Assistance Hotline | ✔ | ✔ |
| Repatriation of Mortal Remains | 100% | 100% |
| Family Emergency Travel | ✗ | ✗ |
| Repatriation Accompaniment | ✗ | 100% $2,500 €1,750 £1,500 |
| Repatriation Family Accompaniment | ✗ | ✗ |
Medical Concierge Services |
||
| Best Possible Outcome Programme A dedicated Diagnosis Verification and Treatment Planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist from a top rated U.S. hospital who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome. |
✗ | ✗ |
| Advanced Health Screening Programme | ✗ | ✗ |
| Ages 40-50 one high level physical examination every 3 years | ✗ | ✗ |
| Ages 50+ one high level physical examination every 3 years | ✗ | ✗ |
| Blood Care Programme A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world |
✗ | ✗ |
| eHealth Records Account | ✔ | ✔ |
Mental Health Benefits |
90% | 90% |
| Lifetime Maximum for Mental Health Benefits (inpatient & outpatient) | $25,000 €20,000 £15,000 |
$25,000 €20,000 £15,000 |
| Policy Year Mental Illness, Maximum (Out-of-Hospital)* 15 visits | $2,500 €2,000 £1,500 policy year max 30 visits |
$2,500 €2,000 £1,500 policy year max 30 visits |
| Lifetime Mental illness, Maximum Per Insured (In-Hospital) | 60 days | 60 days |
| Lifetime Maximum for Mental Health Benefits (Out-of-Hospital) | 80 visits | 80 visits |
| Mental Health Benefits do not count towards Out-of-Pocket Maximum | ||
Accidental Death & DismembermentAlso availalbe as an optional benefit on all plans |
✗ | ✗ |
HIV/AIDS Treatment |
✔ | ✔ |
| Lifetime Maximum | $25,000 €20,000 £15,000 |
$25,000 €20,000 £15,000 |
Durable Medical Equipment |
✔ | ✔ |
| Lifetime Maximum | $15,000 €12,000 £10,000 |
$15,000 €12,000 £10,000 |
Chronic ConditionsChronic conditions are treated like any other condition under the Policy |
✔ | ✔ |
Pre-Existing Conditions |
||
| Annual Maximum Plan Benefit | $5,000 €4,000 £3,000 |
$5,000 €4,000 £3,000 |
| Lifetime Maximum Pre-existing Conditions are covered after a 12-month waiting period and subject to maximums above unless otherwise stated on your Certificate of Insurance. |
$50,000 €40,000 £30,000 |
$50,000 €40,000 £30,000 |