The four levels of cover you can
choose from
Prestige Plus
Prestige
Comprehensive
Standard
Annual policy benefit allowance
Up to £3,000,000/
€
3,825,000/$4,800,000
each year
Up to £2,000,000/
€
2,550,000/$3,200,000
each year
Up to £1,500,000/
€
1,900,000/$2,400,000
each year
Up to £750,000/
€
950,000/
$1,200,000 each year
In-patient cover
In-patient and day-patient treatment including
surgeons’, anaesthetists’, physicians’ and
consultants’ charges, diagnostic tests and
physiotherapy
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
Cash benefit for each night you receive free
in-patient treatment
£150/
€
190/$240 a night
£100/
€
125/$160 a night
£100/
€
125/$160 a night
£100/
€
125/$160 a night
Parent accommodation. Charges for one parent
staying with a child member under 18
Paid in full
Paid in full
Paid in full
Paid in full
In-patient psychiatric treatment
100 days per lifetime
membership
100 days per lifetime
membership
100 days per lifetime
membership
100 days per lifetime
membership
Out-patient cover
Surgical procedures
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
Medical practitioner charges for consultations
No annual maximumwithin the
overall policy benefit allowance
A combined overall limit of
£5,000/
€
6,375/$8,000
£300/
€
380/$480 limit on
complementary practitioner
charges.
£300/
€
380/$480 limit on
vaccinations
A combined overall limit of
£3,000/
€
3,825/$4,800
£300/
€
380/$480 limit on
complementary practitioner
charges.
£300/
€
380/$480 limit on
vaccinations
Not included - optional
add-on available
Diagnostic tests
No annual maximumwithin the
overall policy benefit allowance
Consultations and treatment for psychiatric illness
Paid in full up to 30 visits
Physiotherapy
Paid in full up to 35 sessions
Complementary practitioner charges
Paid in full up to 35 sessions
Vaccinations and their administration by a medical
practitioner or nurse
Up to £500/
€
635/$800
each year
Chinese herbal medicine
Paid in full up to 15 sessions
at £100/
€
125/$160
per session.
Included within the
complementary practitioner
benefit limit
Included within the
complementary practitioner
benefit limit
Out-patient drugs and dressings prescribed by a
medical practitioner
No annual maximum within
the overall policy benefit
allowance
Up to £500/
€
635/$800
each year
Up to £200/
€
255/$320
each year
Brain and Body Scans
Computerised tomography (CT scan), magnetic
resonance imaging (MRI scan) and positron emission
tomography (PET scan). Received as an in-patient,
day-patient or out-patient
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
No annual maximum within
the overall policy benefit
allowance
Cancer cover
i) Radiotherapy and chemotherapy. Received as an
in-patient, day-patient or out-patient
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
ii) Drug treatment to prevent recurrence of cancer
(excluding pre-existing conditions)
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
iii) Experimental drug treatments as part of an
ethically approved drug trial
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
No annual maximumwithin the
overall policy benefit allowance
iv) Follow-up consultations
Membership lifetime
Membership lifetime
Membership lifetime
Not included – optional
add-on available
Hospital-at-home
Up to 28 days
Up to 28 days
Up to 14 days
Not included
Purchase of wigs
Up to £150/
€
190/$240
Up to £150/
€
190/$240
Up to £150/
€
190/$240
Up to £150/
€
190/$240
Day-patient radiotherapy & chemotherapy cash
benefit
£150/
€
190/$240 a day
up to £5,000/
€
6,375/$8,000
£50/
€
60/$80 a day
up to £5,000/
€
6,000/$8,000
£50/
€
60/$80 a day up to
£5,000/
€
6,000/$8,000
£50/
€
60/$80 a day up to
£5,000/
€
6,000/$8,000
Chronic cover
Routine follow up consultations and 120 day limit on
in-patient treatment
Included
Included
Included
Not included
Kidney dialysis. In-patient, day-patient or out-patient
treatment
£75,000/
€
95,625/$120,000
Up to
£50,000/
€
63,750/$80,000
Up to
£25,000/
€
31,875/$40,000
Not included
Pregnancy cover
Routine pregnancy and childbirth (a moratorium
applies, please speak to an adviser for details)
Up to
£12,000/
€
15,300/$19,200
Up to
£10,000/
€
12,750/$16,000
Not included
(Optional on small corporate
schemes)
Not included
HIV/ AIDS
– HIV/AIDS treatment including
Antiretroviral Treatment (ART)
Up to
£40,000/
€
51,000/$64,000
Not included
Not included
Not included
healthcare
Summary of Benefits
