UltraCare
Comprehensive Plan
|
Table of Benefits
|
£ GB Pounds |
$ US Dollars |
€ Euros |
| If during the
period of insurance, an insured person incurs accident, injury, illness,
sickness or disease, we will pay necessary, customary and reasonable expenses
up to an overall maximum, per insured person, per insurance period of:- |
£1,000,000 |
$1,700,000
|
€1,500,000
|
|
Medical Treatment: In-Patient
and Daycare
|
| Accidents and emergencies, intensive care
and theatre costs |
Covered
in Full
|
Covered
in Full |
Covered
in Full |
| Hospital accommodation |
| Nursing fees, medical expenses and ancillary
charges |
| Surgeons', anaesthetists', physicians'
fees |
| Prescribed medicines and drugs |
| Reconstructive Surgery following an accident
or following surgery for an eligible medical condition |
| Prostheses artificial body parts designed
to form permanent parts of a persons body |
| MRI and CT scans |
| X-rays, pathology, diagnostic tests and
procedures |
| Oncology tests, drugs and consultants'
fees including cover for chemotherapy and radiotherapy |
| Physiotherapy |
| Parent accommodation with an insured child
under 18 in hospital |
| Post hospitalisation treatment received
within 90 days of being discharged from hospital |
| Psychiatric treatment up to 30 days available
after 12 months continuous cover under the plan |
Not
Covered |
Not
Covered |
Not
Covered |
| |
Medical Treatment: Out-Patient
|
£ GB Pounds |
$ US Dollars |
€ Euros |
| Primary consultations and treatment family
doctors', general medical practitioners' (GPs') fees, prescribed medicines,
drugs and dressings |
Covered
up to £5,000 |
Covered
up to $8,500 |
Covered
up to €7,500 |
| X-rays, pathology, diagnostic tests and
procedures |
| Specialists' and consultants' fees for
consultations |
| Physiotherapy |
| Psychiatric treatment available after 12
months continuous cover under the plan |
| Complementary medicine and treatment by
chiropractors, osteopaths, homeopaths, acupuncturists, when referred by
a doctor, general medical practitioner (GP) |
| Oncology tests, drugs and consultants'
fees including cover for chemotherapy and radiotherapy |
Covered
in Full |
Covered
in Full |
Covered
in Full |
| MRI & CT scans |
| Out-patient surgical operations |
| Wellness benefits medical checkup / cervical
smear / mammogram / prostrate cancer test. Limited to once yearly. Available
after 12 months continuous cover under the plan |
Covered
up to £150 |
Covered
up to $255 |
Covered
up to €225 |
|
Dental Treatment: In-Patient
and Daycare
|
£ GB Pounds |
$ US Dollars |
€ Euros |
| Accidental damage to natural teeth treatment
as an in-patient or daycare patient |
Covered
in Full |
Covered
in Full |
Covered
in Full |
|
Dental Treatment:
Out-Patient
|
£ GB Pounds |
$ US Dollars |
€ Euros |
| Emergency treatment for the
immediate relief of dental pain (treatment as an out-patient) |
Covered
up to £500
|
Covered
up to $850
|
Covered
up to € 750
|
| Routine treatment for the restoration
of natural teeth including x-rays, fillings, extractions, root-canal treatment,
gum treatment (treatment as an out-patient) |
Not
Covered |
Not
Covered |
Not
Covered |
|
Other Benefits
|
£ GB Pounds |
$ US Dollars |
€ Euros |
| Emergency local ambulance services |
Covered
in Full |
Covered
in Full |
Covered
in Full |
| Chronic Conditions maintenance: palliative treatment and prescribed medication |
Covered
up to £500 |
Covered
up to $850 |
Covered
up to € 750 |
| Organ transplant cost of the surgical procedures
in performing an organ transplant of either; kidney, liver, heart, lung
or heart and lung, in respect of the insured person as recipient and not
the organ donor |
Covered
up to £200,000 |
Covered
up to $340,000 |
Covered
up to € 300,000 |
| Nursing at home primary care services of
a registered nurse in the insured person's home immediately after, or instead
of, in-patient or daycare treatment. |
Covered
up to £2,500 |
Covered
up to $4,250 |
Covered
up to € 3,750 |
| Compassionate emergency home visit costs
incurred by an insured person for an economy class return airfare to travel
to and from an insured person's home country in the event of an accident,
injury, illness, sickness or disease of a close family member, up to the
attained age of 75 years, resulting in that close family member being placed
on a critical list, or death of a close family member. Limited to one trip
per insured person, per year |
Covered
up to £2,500 |
Covered
up to $4,250 |
Covered
up to € 3,750 |
| Hospital cash benefit cash payment payable
for each night where treatment is received by an insured person as a non-paying
patient (maximum 60 nights) |
£250
per night |
$425
per night |
€ 375
per night |
| Legal expenses costs and expenses incurred
by an insured person with our prior written consent in pursuit of a claim
against a third party who has caused bodily injury to, or the death of,
an insured person |
Covered
up to £7,500 |
Covered
up to $12,750 |
Covered
up to € 11,250 |
| Emergency evacuation and repatriation comprising
pre-authorised travel and accommodation including the return journey, of
an insured person to the nearest centre where adequate medical facilities
are available, or to the insured person's permanent residence, or to the
insured person's home country, including pre-authorised costs of a close
business colleague, or the insured person's dependants, or in the case of
the insured person being a dependant, a parent or other close family member,
having to accompany the insured person. Payment of this benefit, including
surgical, medical and/or hospital services incurred, will be subject to
the insured person suffering from a medical condition; (a) that necessitates
the insured person being placed on a critical list, or, (b) for which, in
the considered opinion of the International Helplines' medical specialist,
adequate treatment is not available in the country where such treatment
is required and/or recovery would be substantially expedited thereby |
Covered
in Full |
Covered
in Full |
Covered
in Full |
| Repatriation, burial or cremation of mortal
remains in the event of death, the costs of air transportation of the body,
mortal remains or the ashes of an insured person, from the place of death
to the home country, or the preparation and local burial or cremation of
the mortal remains of the insured person, who dies outside of their home
country |
Covered
in Full |
Covered
in Full |
Covered
in Full |
| Emergency medical treatment cover outside
of geographic area |
45
Days Covered
up to £30,000 |
45 Days Covered
up to $51,000 |
45 Days Covered
up to €45,000 |
|
Key
|
Covered in full after excess
£25/$42.50/€37.50 per course of treatment claimed |
| |
Covered up to the amounts shown
after excess of £25/$42.50/€37.50 per course of treatment claimed |
| *Complementary medicine and treatment,
and Physiotherapy are covered up to a maximum sub-limit of £500/$850/€750
per insured person, per plan yearon the Comprehensive Plan |
|
|
Atlas