3
please note that if a change is applied to the benefit limit at policy renewal, the following
will apply:
•
All eligible expenses incurred in the first year will be subject to the benefit limit that
applies in year one.
•
All eligible expenses incurred in the second year will be subject to the updated benefit
limit that applies in year two, less the total benefit amount reimbursed in year one.
•
In the event that the benefit limit decreases in year two and this updated amount has
been reached or exceeded by eligible costs incurred in year one, no additional benefit
amount will be payable.
In-patient treatment for multiple birth babies born as a result of medically assisted
reproduction will be covered up to £24,900/€30,000/US$40,500/CHF39,000 per child for
the first three months following birth. Out-patient treatment will be covered under the
limits of the Out-patient Plan.
Change to country of residence
It is important that you advise us when you change country of residence, as it may impact
your cover or premium, even if you are moving to a country within your geographical area
of cover. If you move to a country outside of your geographical area of cover, your existing
cover will not be valid there.
Please note that cover in some countries is subject to local health insurance restrictions,
particularly for residents of that country. It is your responsibility to ensure that your
healthcare cover is legally appropriate. If you are in any doubt, please seek independent
legal advice as we may no longer be able to provide you with cover. The cover provided by
Allianz Worldwide Care is not a substitute for local compulsory health insurance.
Medical necessity and customary charges
This policy provides cover for medical treatment, related costs, services and/or supplies that
we determine to be medically necessary and appropriate to treat a patient’s condition,
illness or injury. Plus we will only pay for medical costs which are fair and reasonable and at
the level customarily charged in the specific country and for the treatment provided, in
accordance with standard and generally accepted medical procedures. If a claim is deemed
by us to be inappropriate, we reserve the right to reduce the amount payable by us.
