Page 5 - European Health Cover

2 Our team of Personal Advisers is available on +44 (0) 1892 556 274
Contents
1 Introduction ......................................................................................................... 4
2 Your cover ............................................................................................................ 5
3 European Health Cover benefits table – Level 3 ........................................... 7
4 Arranging treatment and making a claim ....................................................19
What do I need to do before I receive treatment? .......................................................... 19
5 Existing medical conditions ............................................................................23
Am I covered for medical conditions that I had prior to joining? ....................................... 23
6 Your cover for certain types of treatment.....................................................24
Will my policy cover me for preventive treatment? .......................................................... 24
Will my policy cover me for dental treatment?................................................................ 26
Will my policy cover me for new or experimental treatments?.......................................... 27
Childbirth, pregnancy and sexual health........................................................................ 28
7 Recurrent, continuing and long-term treatment..........................................30
Will my policy cover me for recurrent, continuing or long-term treatment?......................... 30
What happens if I require recurrent or long-term treatment? ........................................... 30
Where can I find out more about cover for chronic conditions?........................................ 31
What cover do I have for psychiatric treatment?............................................................. 32
8 Your cover for cancer treatment ....................................................................33
9 Where you are covered for treatment ...........................................................37
Which hospitals do I have cover for? ............................................................................ 37
10 Who we pay for treatment ..............................................................................39
What services provided by medical practitioners, physiotherapists and complementary
practitioners are eligible for benefit? ............................................................................ 39
Will treatment charges be met in full? .......................................................................... 39
11 Treatment in the United Kingdom..................................................................41
How are my medical bills settled in the UK?.................................................................. 41
Which hospitals do I have cover for in the UK? .............................................................. 41
12 Emergency treatment abroad.........................................................................45