8
9
Table of Benefits
core cover: worldwide medical insurance
overall annual maximum - GBP 1,500,000 / USD 2,550,000 / EUR 1,875,000*
For treatment received whilst staying in hospital, either overnight or as a day-case
Worldwide Medical Insurance gives
you
the reassurance of covering essential
hospital
treatment you
may need, whether
in an
emergency
or a planned visit. All surgery, cancer
treatment
and advanced imaging, whether received whilst staying
in
hospital
or as a visiting patient, are also included.
You
may have chosen this cover on its own, or together with any
combination of
our
options.
Benefits
level of cover
Explanation of benefits
Staying in
hospital
overnight or as a
day-case
Paid in full
We
pay
hospital
room and board costs when:
{
{
there is a medical need to stay in
hospital
{
{
your treatment
is given or managed by a
specialist
{
{
you
are staying in
hospital
{
{
the length of
your
stay is medically appropriate
{
{
you
occupy a standard single room with private bathroom. (This means
we
will not pay the extra costs of a deluxe,
executive or VIP suite, etc)
{
{
if
treatment
fees are charged in line with the room type,
we
will pay for
treatment
at the cost which would have been
charged if
you
had stayed in a standard single room with private bathroom
If
you
need to stay in
hospital
for longer than
we
have given prior approval, or if
your treatment
plan changes,
your
specialist
must send
us
a medical report as soon as possible telling us:
{
{
your
diagnosis
{
{
treatment you
have already had
{
{
treatment
that
you
need to have
{
{
how long
you
need to stay in
hospital
We
will also pay up to GBP 10/USD 17/EUR 13 each day for personal expenses such as newspapers, television rental and
guest meals when
you
have had to stay overnight in
hospital
.
We
do not pay
hospital
room and board charges if
you
are staying in
hospital
for any of the following reasons:
{
{
convalescence
{
{
general supervision
{
{
pain management
{
{
general nursing care without
specialist
treatment
, except when in a hospice and receiving palliative care
{
{
services from a
therapist
or
complementary therapist
,
physiotherapist
,
osteopath
,
chiropractor
,
dietician
or
speech
therapist
{
{
domestic services such as help in walking, bathing or preparing meals, or
{
{
receiving
treatment
that could have taken place as an
out-patient
Parent accommodation
Paid in full
We
pay room and board costs for a parent staying in
hospital
with their child when:
{
{
the costs are for one parent only
{
{
you
are staying in the same
hospital
as the child
{
{
you
are staying with a child up to 18 years old, and
{
{
the child is a member and receiving
treatment
that is covered
Nursing care
Paid in full
We
pay for reasonable costs of a
qualified nurse
for
your treatment
if the
hospital
does not provide nursing staff.
We
do not pay for nurses hired in addition to the
hospital’s
own staff.
* It is possible that not all currencies will be available to
you
. Please see
your
membership certificate for the currency applicable to
your
contract.
