6
7
summary of Benefits and exclusions
summary of Benefits
core cover
options
Core cover: Worldwide Medical Insurance
{
{
Staying in
hospital
overnight or as a
day-case
{
{
Parent accommodation
{
{
Nursing care
{
{
Operating room, medicines and surgical dressings
{
{
Intensive care
, intensive therapy, coronary care and high dependency unit
{
{
Surgery, including surgeons’, anaesthetists’ and assistants’ fees
{
{
Specialists’
consultation fees
{
{
Pathology, X-rays and
diagnostic tests
{
{
Physiotherapy
,
chiropractor
and
osteopathy
,
therapists
,
complementary therapists
,
dietician
and
speech therapist
{
{
Rehabilitation
{
{
Advanced imaging
{
{
Psychiatric treatment
overnight in
hospital
, including room, board and
treatment
costs
{
{
Psychiatric treatment
as a
day-case
, including room, board and
treatment
costs
{
{
Prosthetic implants and appliances
{
{
Prosthetic devices
{
{
Childbirth and
treatment
in
hospital
{
{
Childbirth at home or
birthing centre
{
{
Medically essential Caesarean section
{
{
Newborn care
{
{
Cancer
treatment
{
{
Transplant services
{
{
Hospice and palliative care
{
{
Local road ambulance
{
{
Local air ambulance
{
{
Home nursing
{
{
Hospitalisation cash benefit
{
{
Emergency
dental
treatment
{
{
Treatment
of congenital and hereditary conditions
Option: Worldwide Medical Plus
{
{
Specialists’
consultation and
doctors’
fees
{
{
Physiotherapy
,
osteopathy
and
chiropractor
treatment
{
{
Consultations and
treatment
with
therapists
and
complementary therapists
{
{
Psychiatrists’ and
psychologists’
fees
{
{
Speech therapy
{
{
Pathology, X-rays and
diagnostic tests
{
{
Young child care
{
{
Maternity
{
{
Accident-related dental
treatment
{
{
Transplant services
Option: Worldwide Medicines and Equipment
{
{
Prescribed medicines and dressings
{
{
Durable medical equipment
{
{
Long-term prescription medicines
Option: Worldwide Wellbeing
Screening and prevention:
{
{
Full health screen
{
{
Mammogram
{
{
Papanicolaou (PAP) test
{
{
Prostate cancer screen
{
{
Colon cancer screen
{
{
Bone densitometry
{
{
Four dietetic consultations
{
{
Vaccinations
Dental:
{
{
Preventive
{
{
Routine and major restorative
{
{
Orthodontic
Optical:
{
{
Eye test (including consultation)
{
{
Spectacle lenses
{
{
Contact lenses
{
{
Spectacle frames
Option: Worldwide Evacuation
{
{
Medical evacuation
{
{
Medical repatriation
{
{
Travel cost for an accompanying person
{
{
Travel cost for the transfer of minor children
{
{
Living allowance
{
{
Repatriation of mortal remains
{
{
Compassionate visit and return
{
{
Compassionate visit living allowance
summary of exclusions
We do not pay for:
{
{
Artificial life maintenance
{
{
Birth control
{
{
Conflict and disaster
{
{
Convalescence and admission for general care
{
{
Cosmetic
treatment
{
{
Developmental problems
{
{
Donor organs
{
{
Experimental
treatment
{
{
Eyesight
{
{
Foetal surgery
{
{
Footcare
{
{
Harmful or hazardous use of alcohol, drugs and/or
medicines
{
{
Health hydros, nature cure clinics, etc
{
{
Infertility
treatment
{
{
Obesity
{
{
Persistent vegetative state
(PVS) and neurological
damage
{
{
Personal exclusions
{
{
Personality disorders
{
{
Pre-existing conditions
{
{
Preventive
treatment
{
{
Reconstructive or remedial surgery
{
{
Self-inflicted injuries
{
{
Sexual problems and gender issues
{
{
Sleep disorders
{
{
Stem cells
{
{
Temporomandibular joint (TMJ) disorders
{
{
Travel costs for
treatment
{
{
Unrecognised medical practitioner, provider or facility
{
{
USA
treatment
