Page 40 - European Health Cover
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9 Where you are covered for treatment
Which hospitals do I have cover for?
You can use any hospital in your principal country of residence or within your area and we will pay
the reasonable charges for a standard single en-suite room. We will not pay for any room
upgrades, menu items not included as standard, luxury menu items or visitors meals.
However, we cannot settle bills for in-patient treatment directly with all hospitals; please refer to
the ‘Arranging treatment and making a claim’ section.
We will pay for eligible charges in the UK made by a provider we have an agreement with for the
use of their facilities on an out-patient treatment basis (which may include charges for the use of
drugs). However, if you need in-patient treatment, day-patient treatment or computerised
tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET) in
the UK you must use a hospital, day-patient unit or scanning centre in the UK Directory of
Hospitals.
The UK Directory of Hospitals is available on our website:
or by
contacting our personal advisory team.
We have chosen hospitals for inclusion in the UK Directory of Hospitals based on the quality,
value and range of services that they provide and we have an Agreement with them under which
they will provide services to our customers.
Please note:
If we are unable, after reasonable negotiation, to conclude the Agreement in whole or part, it may
be necessary from time to time for us to suspend the use of a hospital, day-patient unit or
scanning centre listed in the UK Directory of Hospitals to protect the interests of all our
customers. In such an event we will indicate the suspension on our website
To be assured of cover, please call our team of Personal Advisers
in advance of any treatment.
We also have specific arrangements in regard to eligible cataract surgical procedures in the UK
as detailed below.
Where can I receive eligible cataract surgical treatment in the UK?
If you require a cataract surgical procedure in the UK we will pay for eligible treatment when your
GP refers you directly to a facility with which we have an agreement to provide cataract surgical
procedures.
Please note:
We recommend that you call us prior to receiving any treatment to ensure that the treatment you
need will be covered. This will enable us to confirm that we will pay the hospitals fees in full, and
to arrange the direct settlement. If you do not call us prior to receiving treatment we may only
pay up to the usual rate unless your admission was an emergency.
