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. Specific
requirements apply to receiving treatment in the UK. Please see the ‘Treatment in the United
Kingdom’ section for details.
However, we cannot settle bills for in-patient treatment directly with all hospitals; please refer to
the ‘Arranging treatment and making a claim’ section.
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.
9.1
We pay for eligible:
(a)
Charges made by, or incurred in, a hospital in your principal country of residence or within
your area. We will pay the reasonable charges for the use of a single en-suite room. If you
receive emergency treatment or treatment of a medical condition which arises suddenly, in
any other hospital we will pay only the outside area of cover benefit shown in the benefits
table.
9.2
What we do not pay for:
(a)
Any charges from health hydros, spas, nature cure clinics or any similar place, even if it is
registered as a hospital.
(b)
Special nursing in hospital unless we have agreed beforehand that it is necessary and
appropriate.
(c)
Any additional hospital charges for a non-standard single en-suite room or room upgrade,
luxury menu items, menu items not included as standard or visitors meals. Please note:
you may choose to upgrade your room or menu items, however we will only pay for the
reasonable charges for a single en-suite room and you will be responsible for paying any
additional charges.
Please see page 52 for an explanation of words that appear in bold
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