22
23
option: worldwide medical plus
overall annual maximum - GBP 25,000 / USD 42,500 / EUR 31,250* (excluding transplant benefits)
For specialist treatment where you do not need to stay in hospital
Worldwide Medical Plus covers
you
for consultations with a
doctor
or
specialist
and medical
treatments
that do
not require a
hospital
stay. These may include
osteopathy
or complementary therapies, for example. Some of these
treatments
or consultations may take place before or after a
hospital
stay, but many will be totally independent.
These benefits are only available if you have chosen this option and it is listed on your membership
certificate.
Benefits
level of cover
Explanation of benefits
Specialists’
consultation and
doctors’
fees
Paid in full up to 35 visits each
membership year
We
pay for consultations or meetings with
your specialist
or
doctor
to:
{
{
receive
treatment
{
{
arrange
treatment
{
{
as a follow-up to
treatment
already received, or
{
{
diagnose
your
illness or interpret
your
symptoms
Such meetings may take place in the
specialist’s
or
doctor’s
office, by telephone or using the internet.
Physiotherapy
,
osteopathy
and
chiropractor
treatment
Paid in full up to 30 visits each
membership year
We
pay for
physiotherapy
,
osteopathy
and
chiropractor
treatments
, which are physical therapies aimed at restoring
your
normal physical functions.
Consultations and
treatment
with
therapists
and
complementary therapists
Paid in full up to 15 visits each
membership year
We
pay for consultations and
treatment
with
therapists
and
complementary therapists
including:
{
{
occupational or orthoptic therapy, acupuncture, homeopathy and Chinese medicine, when the practitioners are
appropriately qualified and registered to practise in the country where
treatment
is received, and
{
{
the cost of both consultation and
treatment
, including any complementary medicines prescribed or administered as
part of
your treatment
Example: should any complementary medicines or
treatments
be supplied or carried out on a separate date to a
consultation, these costs will be considered as a separate visit.
We
do not pay any other complementary therapies such as ayurvedic
treatment
or aromatherapy which may be available.
Psychiatrists’ and
psychologists’
fees
Paid in full up to 30 visits each
membership year
We
pay for psychiatrists’ and
psychologists’
fees for:
{
{
meeting with
your specialist
to assess
your
condition, or
{
{
treatment
provided by a psychiatrist or
psychologist
Speech therapy
Paid in full
We
pay for speech therapy only when it is:
{
{
short term for a condition such as a stroke and
{
{
part of the
treatment
for that condition
{
{
taking place during or immediately following
treatment
for that condition, and
{
{
recommended by
your specialist
We
do not pay for
treatment
of speech or language disorders such as stammering or resulting from learning difficulties or
developmental studies.
Pathology, X-rays and
diagnostic tests
Paid in full
We
pay for the following if recommended by
your specialist
or
doctor
to help diagnose or assess
your
condition:
{
{
pathology, such as checking blood and urine samples
{
{
radiology (such as X-rays)
{
{
diagnostic tests
such as electrocardiograms (ECGs) or hearing tests
* It is possible that not all currencies will be available to
you
. Please see
your
membership certificate for the currency applicable to
your
contract.
