20
21
core cover: worldwide medical insurance
Benefits
level of cover
Explanation of benefits
Local air ambulance
Each
membership year
, up to
GBP 5,000, USD 8,500 or
EUR 6,250
We
pay for a local air ambulance:
{
{
from the location of an accident to a
hospital
, or
{
{
for a transfer from one
hospital
to another
When a local air ambulance is:
{
{
medically necessary
{
{
used for short distances of up to 100 miles/160 kilometres, and
{
{
related to
treatment
that is covered that
you
need to receive in
hospital
A local air ambulance may not always be available in cases where the local situation makes it impossible, unreasonably
dangerous or impractical to enter the area, for example from an oil rig or within a war zone.
We
do not pay for mountain rescue.
We
do not pay for evacuation or repatriation if the
treatment you
need is not available locally unless
you
have bought the
Worldwide Evacuation option.
Home nursing
Paid in full for 30 days each
membership year
We
pay for home nursing if
you
have had
treatment
in
hospital
which is covered under this plan, when it:
{
{
is prescribed by
your specialist
{
{
starts immediately after
you
leave
hospital
{
{
reduces the length of
your
stay in
hospital
{
{
is provided by a
qualified nurse
in
your
home and
{
{
is needed to provide medical care, not personal assistance
Hospitalisation cash benefit
Each night for a maximum
of up to 30 nights each
membership year
, up to
GBP 100, USD 170 or EUR 125
We
pay
hospital
cash benefit if
you
:
{
{
have received
treatment
in
hospital
which is covered under this plan
{
{
have not been charged for
your
room and board, and
{
{
have not been charged for
your treatment
Emergency
dental
treatment
Paid in full
We
pay for
emergency
dental
treatment
when:
{
{
the
treatment
is needed as part of
your
overall
treatment
following a serious accident causing
you
to stay in
hospital
,
and
{
{
it is not the primary reason for
you
to be in
hospital
This benefit is paid instead of any other dental benefits
you
may have, when
you
need
treatment
as a result of a serious
accident requiring hospitalisation.
Treatment
of congenital and hereditary conditions
Each
membership year
, up to
GBP 20,000, USD 34,000 or
EUR 25,000
We
pay for
treatment
of congenital and hereditary conditions:
{
{
by congenital conditions
we
mean any abnormalities, deformities, diseases, illnesses or injuries present at birth, whether
diagnosed or not
{
{
by hereditary conditions
we
mean any abnormalities, deformities, diseases or illnesses that are only present because
they have been passed down through the generations of
your
family
If
you
have bought Worldwide Medical Plus,Worldwide Medicines and Equipment, Worldwide Wellbeing or Worldwide
Evacuation the stated limits will apply for benefits included under those options. If
you
are unsure whether
your
condition
may be classed as congenital or hereditary, please contact
us
for further information.