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The following are covered: vaccinations which are recommended as part of the national childhood immunisation programme in the country of residency, human papilloma virus (HPV), vaccination to protect against cervical cancer, influenza (seasonal flu) vaccination.

Limits:

Select - Up to GBP 200

Premier - Up to GBP 500

Elite - Up to GBP 1,000

Pregnancy and childbirth, including complications and Caesarean sections, are covered after the mother has been on this health plan for 18 months. Limitations apply to Elite plans.

Including assisted fertility treatments in our Elite and Ultimate plans (a 18-month waiting period applies).

Limits:

Elite - Up to GBP 6,000 each policy year

Ultimate - Up to GBP 10,000 each policy year

The newborn care benefit is paid instead of any other benefit.

No referrals required for your every day physical and mental healthcare needs, including consultations and treatments from doctors, specialists and psychologists.

Medicines and dressings prescribed by your medical practitioner, required to treat a disease, illness or injury.

Limitations apply to Select, Premier and Elite plans.

We pay for diagnostic tests, pathology and radiology when recommended by your specialist to help diagnose or assess your condition when you are in hospital.

Consultations and treatment from physiotherapists, osteopaths and chiropractors for physical therapies aimed at restoring your normal physical function.

Limitations apply to Premier and Elite plans.

Consultations and treatment with qualified and registered acupuncturists and reflexologists.

Limitations apply to Select and Premier plans.

We pay for hospital accommodation, depending on your location and your chosen plan.

Limits:

Major Medical – Standard private
Select – Standard private
Premier – Standard private
Elite – Standard private

We pay for costs of the operating and recovery rooms, as well as medicines and dressings used in the operating or recovery room and during your hospital stay.

Where it is medically necessary, this provides cover to be treated as a day-patient or in-patient, including room, board and treatment costs, related to the mental health condition. Limitations apply to Select and Premier plans.

We pay costs for rehabilitation, including room, board and a combination of therapies such as physical, occupational and speech therapy after an event such as a stroke.

Limits:

Major Medical – 45 days
Select – 30 days
Premier – 30 days
Elite – 60 days

Reasonable transport costs to the nearest appropriate place of treatment, when the treatment needed is not available nearby.

Repatriation gives you the option of returning to your specified country of residence or specified country of nationality, to be treated in familiar surroundings, when the treatment you need is not available nearby.

We pay for 30 days home nursing by a qualified nurse, to provide medical care in your home following treatment in hospital which is covered under this plan.