10
11
core cover: worldwide medical insurance
Benefits
level of cover
Explanation of benefits
Operating room, medicines and surgical dressings
Paid in full
We
pay for the costs of the:
{
{
operating room
{
{
recovery room
{
{
medicines and dressings used in the operating or recovery room
{
{
medicines and dressings for use during
your hospital
stay
We
do not pay medicines and dressings prescribed for use at home unless
you
have bought the Worldwide Medicines and
Equipment option.
Intensive care
, intensive therapy, coronary care and high dependency unit
Paid in full
We
pay room and board costs if
you
are treated in an
intensive care
/intensive therapy unit, high dependency or coronary
care unit (or their equivalents) when it is the most appropriate place for
you
to receive
treatment
and:
{
{
it is an essential part of
your treatment
and is required routinely by patients undergoing the same type of
treatment
as
you
, or
{
{
it is medically necessary in the event of unexpected circumstances, for example if
you
have an allergic reaction during
surgery
Surgery, including surgeons’, anaesthetists’ and assistants’ fees
Paid in full
We
pay for surgery, including surgeons’, anaesthetists’ and assistants’ fees, as well as
treatment
needed immediately before
and after the surgery on the same day. This includes operations performed whether staying in
hospital
overnight, as a
day-case
or as an
out-patient
.
We
do not pay for
out-patient
treatment
received prior to surgery or as a follow-up afterwards unless
you
have bought the
Worldwide Medical Plus option.
Specialists’
consultation fees
Paid in full
We
pay for
specialists’
consultation fees during
your
stay in
hospital
when
you
have:
{
{
medical
treatment
, for example if
you
have pneumonia
{
{
meetings with
your specialist
, for example to discuss
your
surgery
{
{
specialist
attendance when medically necessary, for example in the unlikely event that
you
have a heart attack during
surgery
Pathology, X-rays and
diagnostic tests
Paid in full
We
pay for:
{
{
pathology, such as checking blood and urine samples
{
{
radiology, such as X-rays
{
{
diagnostic tests
such as electrocardiograms (ECGs)
if recommended by
your specialist
to help diagnose or assess
your
condition when
you
are in
hospital
Physiotherapy
,
chiropractor
and
osteopathy
,
therapists
,
complementary therapists
,
dietician
and
speech therapist
Paid in full
We
pay for
treatment
provided by
therapists
(such as occupational
therapists
),
complementary therapists
(such as
acupuncturists),
physiotherapy
,
osteopathy
,
chiropractor
and
dietician
or
speech therapist
if it is needed as part of
your
treatment
in
hospital
, as long as this
treatment
is not the primary reason for
your hospital
stay.
