Prima Premier
Prima Classic
2
Physiotherapy
Physiotherapy when such
treatment
is recommended by a
specialist
and is administered during the period of stay in
hospital
.
Full Refund
Full Refund
Rehabilitation
Rehabilitation
when it is considered an integral part of
treatment
,
is supervised by a
specialist
and is undertaken in a recognised
rehabilitation
unit.
Full Refund
Not Covered
Psychiatric Illness
Treatment
given in a recognised psychiatric unit of a
hospital
. All
treatment
under this benefit is subject to pre-authorisation by
us
.
If
treatment
is not pre-authorised by
us
, then
we
reserve the right
to decline the claim in full.
Limited to 30 days
each year
Limited to 30 days
each year
Ancillary Charges
The purchase or rental of crutches or wheelchairs following
treatment
as an
in-patient
or
day-patient
.
Limited to £500: €600: US$750 Limited to £500: €600: US$750
Newborn Cover - Premature Births
Cover in respect of a premature baby (i.e. where birth is prior to
37 weeks gestation) in respect of an
acute
or
chronic medical
condition
requiring
in-patient treatment
. The mother of the
baby must have been insured with
us
for at least 11 months
prior to the birth date. All cover is subject to the newborn being
added to the
policy
within 30 days of birth.
Cover for the first 30 days of
life is limited to a maximum
sum insured of £10,000:
€12,000: US$15,000 each baby.
Thereafter, cover will exclude
any
medical condition
which
exists at the end of the first
30 day period
Cover for the first 30 days of
life is limited to a maximum
sum insured of £10,000:
€12,000: US$15,000 each baby.
Thereafter, cover will exclude
any
medical condition
which
exists at the end of the first
30 day period
Newborn Cover - Congenital
Cover in respect of a newborn baby requiring
treatment
of a
congenital anomaly
. All cover is subject to the newborn being
added to the
policy
within 30 days of birth.
£100,000: €120,000:
US$150,000 Lifetime Limit
£100,000: €120,000:
US$150,000 Lifetime Limit
Transportation
Charges for a road ambulance, or costs associated with another
form of transport if a road ambulance is inappropriate, for
transportation to
hospital
when the
medical practitioner
advises
it is medically necessary.
Full Refund
Full Refund
Cash Benefit
Where
hospital
accommodation and all
treatment
costs are
provided in a State or Charitable
Hospital
and no claim is
submitted under this
policy
for reimbursement of any
in-patient
costs, and providing that the
medical condition
suffered would
be eligible for benefit.
£200: €240: US$300 each night
up to a maximum of 30 nights
£200: €240: US$300 each night
up to a maximum of 30 nights
Emergency Treatment Outside Area of Cover
Treatment
(through a
physician
,
medical practitioner
or
specialist
commencing within 24 hours of the emergency event)
required as result of an
accident
or the sudden beginning or
worsening of a severe illness resulting in a
medical condition
that presents an immediate threat to the
insured person’s
health.
For trips up to a maximum
of 6 weeks
Maximum 42 nights
each year
Maximum sum insured of
£50,000: €60,000: US$75,000
For trips up to a maximum of
6 weeks
Maximum 42 nights
each year
Maximum sum insured of
£50,000: €60,000: US$75,000
Home Nursing
Home nursing when medically necessary and recommended by
a
specialist
immediately following release from a
hospital
bed.
Limited to 12 weeks for each
condition and a maximum of
26 weeks
each year
Limited to 12 weeks for each
condition and a maximum of
26 weeks
each year
Post Operative Cover
Out-patient treatment
or consultations received within
6 months of
hospital
discharge for an eligible
medical condition
which required
hospital
admission.
Limited to £1,500: €1,800:
US$2,250
each year
unless
out-
patient treatment
is selected
Covered under
out-patient
treatment
1,2,3,4 6,7,8,9,10