14
15
core cover: worldwide medical insurance
Benefits
level of cover
Explanation of benefits
Prosthetic implants and appliances
Paid in full
We
pay for prosthetic implants and appliances shown in the following lists.
Prosthetic implants:
{
{
to replace a joint or ligament
{
{
to replace a heart valve
{
{
to replace an aorta or an arterial blood vessel
{
{
to replace a sphincter muscle
{
{
to replace the lens or cornea of the eye
{
{
to control urinary incontinence or bladder control
{
{
to act as a heart pacemaker
{
{
to remove excess fluid from the brain
{
{
cochlear implant – provided the initial implant was provided to the member when under the age of five,
we
will pay
ongoing maintenance and replacements
{
{
breast reconstruction following surgery for cancer when the reconstruction was carried out as part of the original
treatment
for the cancer and
you
have obtained
our
written consent before receiving the
treatment
{
{
to restore vocal function following surgery for cancer
Appliances:
{
{
a knee brace which is an essential part of a
surgical operation
for the repair to a cruciate (knee) ligament
{
{
a spinal support which is an essential part of a
surgical operation
to the spine
{
{
an external fixator such as for an open fracture or following surgery to the head or neck
Prosthetic devices
Each device, up to GBP 2,000,
USD 3,400 or EUR 2,500
We
pay for the initial prosthetic device needed as part of
your treatment
. By this
we
mean an external artificial body part,
such as a prosthetic limb or prosthetic ear which is required at the time of
your
surgical procedure.
We
do not pay for any replacement prosthetic devices for adults including any replacement devices required in relation to a
pre-existing condition
.
We
will pay for the initial and up to two replacements per device for children under the age of 16.
Childbirth and
treatment
in
hospital
Each
membership year
, up to
GBP 8,000, USD 13,600 or
EUR 10,000
We
pay for maternity
treatment
and childbirth after the mother has been a member of this plan for 24 months, including:
{
{
hospital
charges, obstetricians’ and midwives’ fees for normal childbirth
{
{
post-natal care required by the mother immediately following normal childbirth, such as stitches
{
{
up to seven days’ routine care for the baby
We
also pay for pregnancy and childbirth complications, by which
we
mean those conditions which only ever arise as a
direct result of pregnancy or childbirth. These include:
{
{
pre-eclampsia
{
{
miscarriage
{
{
threatened miscarriage
{
{
gestational diabetes
{
{
when the foetus has died and remains with the placenta in the womb
{
{
still birth
{
{
heavy bleeding in the hours and days immediately after childbirth (post partum haemorrhage)
{
{
afterbirth left in the womb after delivery of the baby (retained placental membranes)
{
{
complications following any of the above conditions
Treatment for
{
{
abnormal cell growth in the womb (hydatiform mole)
{
{
foetus growing outside the womb (ectopic pregnancy)
are not covered from this benefit but may be covered by
your
other benefits.
(Other conditions arising from pregnancy or childbirth which could also develop in people who are not pregnant are not
covered by this benefit but may be covered by
your
other benefits).
