1 January 2013
1 January 2014
Plan summary
UltraCare Comprehensive plan
This Plan summary is designed to provide you with the key information about
the UltraCare Comprehensive plan. It does not contain the full terms and
conditions of the plan. You can find these in the Table of benefits and the Plan
guide. Please spend some time reading carefully through this Plan summary,
the Table of benefits and the Plan guide to make sure that you are satisfied
with the cover and that it meets your needs.
Name of the insurance company
The insurer of this plan is InterGlobal Insurance Company Limited.
Address:Woolmead House East, The Woolmead, Farnham, Surrey, GU9 7TT,
United Kingdom.
InterGlobal Insurance Company Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority. Our Firm Reference No. is 458505.
You can check the FCA Register by visiting
Type of insurance and cover
The UltraCare Comprehensive plan is an international private medical
insurance plan providing cover for the treatment of eligible medical
conditions.
Our plans are not available to people who are governed by exchange controls
or local licensing regulations. Cover may also be illegal under local laws.
The underwriting terms will be one of the following:
•
24-month moratorium;
•
continuation of personal medical exclusions (CPME); or
•
medical history disregarded (MHD);
as shown on the Certificate of insurance.
For an explanation of the above terms, please see the ‘Definitions’ section in
the Plan guide. If you are not sure which underwriting terms apply to you or
you do not understand the meaning of the above terms, please contact your
advisor or us.
Significant features and benefits
This plan includes the following:
•
all treatment for cancer paid in full;
•
in-patient and daycare treatment – paid in full (except psychiatric
treatment);
•
out-patient post-hospitalisation treatment – paid in full for a period of
90 days;
•
out-patient treatment – including cover for consultations and
prescribed drugs and dressings;
•
out-patient treatment – full cover for out-patient surgical procedures,
MRI, PET and CT scans;
•
cover for out-patient physiotherapy treatment;
•
cover for complementary medicine and treatment;
•
cover for in-patient psychiatric treatment;
•
cover for out-patient psychiatric treatment;
•
cover for maintenance of chronic medical conditions;
•
cover for congenital abnormalities;
•
terminal care – paid in full;
•
medical evacuation and repatriation within your area of cover – paid in
full;
•
local ambulance – paid in full;
•
cover for out-patient dental treatment;
•
cover for routine health checks, vaccinations, well-child tests and
dental checkups;
•
cover for organ transplants;
•
cover for HIV or AIDS;
•
cover for hormone replacement therapy;
•
cash benefit when your in-patient treatment and hospital
accommodation is received free of charge (up to 30 nights);
•
one compassionate emergency visit to a close family member - paid in
full;
•
preparation and transportation of your mortal remains – paid in full;
•
cover for emergency treatment outside your area of cover;
•
no-claims discount – up to 25% for four or more consecutive claim free
plan years; and
•
red24 AdviceLine and ActionResponse.
Significant and unusual exclusions or limits
We will not cover the following:
•
pre-existing conditions unless you have had no treatment or symptoms
for a continuous 24-month period (see benefit exclusion BE1 in the
Plan guide. This does not apply if your underwriting terms are MHD, as
shown on your Certificate of insurance);
•
claims arising from alcohol or drug abuse (see benefit exclusion BE13
in the Plan guide);
•
claims arising from engaging in war, riots, terrorism or any similar event
(see benefit exclusion BE26 in the Plan guide);
•
claims arising from contamination from biological, chemical or nuclear
materials (see benefit exclusion BE27 in the Plan guide); or
•
claims arising from engaging in professional sports (see benefit
exclusion BE29 in the Plan guide).
The following limits and restrictions apply to your plan:
•
you must pay a standard excess amount of $45.00, £27.50, or €37.50
for each medical condition in each plan year for all out-patient medical
treatment claims, including congenital abnormalities, HIV or AIDS and
maintenance of chronic medical conditions. If you choose a voluntary
excess, this will apply for each medical condition in each plan year for
all in-patient, daycare and out-patient medical treatment, including
congenital abnormalities, organ transplants, HIV or AIDS, emergency
medical treatment outside your area of cover and maintenance
of chronic medical conditions (see section 22 in the UltraCare
Comprehensive plan Table of benefits);
•
you must pay a 25% co-insurance for out-patient dental treatment
claims (see section 22 in the UltraCare Comprehensive plan Table of
benefits);
•
waiting periods apply to in- and out-patient psychiatric treatment,
out-patient dental treatment and HIV or AIDS (see the UltraCare
Comprehensive plan Table of benefits);
•
the overall maximum we will pay each plan year is $4,000,000,
£2,400,000, or €3,200,000 (see section 1 in the UltraCare
Comprehensive plan Table of benefits);
•
the minimum age of a planholder is 18. If none of the members to be
included on the plan are 18 or above at the date of application, the
application will be subject to our acceptance, and their parent or legal
guardian must apply for them (see the ‘Individual eligibility’ section in
the Plan guide); and
•
you cannot be older than 74 at your start date (see the ‘Individual
eligibility’ section in the Plan guide).
Plan term
The plan is a yearly contract.With our agreement the planholder may renew
the plan each year. Premiums are based on the age of the planholder and
each dependant and may increase at renewal. You should review your plan
periodically to ensure that it continues to meet your needs.
