Page 8 - European Health Cover

Please see page 56 for an explanation of words that appear in bold 5
2 Your cover
Please remember that our policies are not intended to cover all eventualities.
In return for payment of the premium we agree to provide cover as set out in the terms of this
policy. Please refer to the definition of ‘policy’ in the glossary for details of the documents that
make up your policy.
Summary of the European Health Cover Plan
The European Health Cover policy offers you cover for necessary treatment of new medical
conditions that arise after you join. It does not cover you for treatment of medical conditions that
existed, or you had symptoms of before joining. However, in some circumstances you may have
joined on a different basis, please refer to the ‘Existing medical conditions’ section for further
information. There is also no cover for ongoing, recurrent and long-term conditions (also known
as chronic conditions).
There are three levels of cover available with varying overall policy benefit limits and levels of
cover available for certain treatments, as shown in your benefits table. Subject to these limits
your cover includes:
• in-patient and day-patient treatment and associated medical practitioners’ charges
• out-patient surgical procedures
• cancer treatment including radiotherapy and chemotherapy
• out-patient diagnostic tests, consultations, physiotherapy and complementary practitioner
charges
• computerised tomography (CT), magnetic resonance imaging (MRI) and positron emission
tomography (PET) scans
• treatment of psychiatric illness.