from the Medical Screening Service (see Health
Warranty);
6. anything mentioned in the General Exclusions.
SECTION 3 EMERGENCY MEDICAL EXPENSES
(NOT PRIVATE HEALTH INSURANCE)
If
you
are admitted to hospital as an in-patient overseas,
the Emergency Medical Assistance Service must be
notified immediately. They will deal direct with the
hospital and arrange the payment of any bills.
Repatriation by specially equipped air ambulance will be
available where medically necessary.
You
must maintain contact with the Emergency Medical
Assistance Service until
your
return to
your Country of
Residence
or until
you
no longer require treatment or
assistance.
If
you
receive out patient treatment (no hospital
admission) and the costs are likely to exceed
£1,000/
!
1,200
you
must refer to the Emergency Medical
Assistance Service for authorisation.
If
you
receive out-patient treatment (no hospital
admission) in Spain, Greece, Cyprus, Portugal or Turkey,
show this document to the doctor and
your
treatment
will be paid through ChargeCare International in line with
the policy wording. The doctor will ask
you
to fill in a
form to confirm treatment and may request
you
to pay
the excess.
If
you
receive out-patient treatment (no hospital
admission) in other countries, it may be easier to pay any
bills yourself. Keep all receipts and submit a claim when
you
return
home
. If
you
are in any doubt, call the
Emergency Medical Assistance Service for help.
24 hour Emergency Medical Assistance Service
telephone number:
+44 (0)20 7183 3756
Covered
You
are covered up to the limit as shown on the
Summary of Cover for costs incurred
A. Outside
your Country of Residence
for:
1. emergency medical and surgical treatment and
hospital charges (including necessary physiotherapy,
authorised by the Emergency Medical Assistance
Service);
2. emergency dental treatment, to relieve pain only,
limited to amount shown on the Summary of Cover;
3. reasonable and necessary additional accommodation
(room only) and travelling expenses
home
(Economy
Class), including those of one relative or friend if
you
have to be accompanied
home
on the advice of the
NOTE: This is not a private health insurance policy.
We
will pay for private treatment only if there is no
appropriate reciprocal health agreement in existence
and no public service available and
we
reserve the right
to organise a transfer from a private medical facility to a
public medical facility where appropriate. In the event of
medical treatment becoming necessary for which
reimbursement will be sought,
we
or
our
representatives will require unrestricted access to all
your
medical records and information.
9
SECTION 2 CURTAILMENT
This section includes the services of the 24 hour
Emergency Medical Assistance Service who must be
contacted immediately in the event of a serious injury,
illness or hospitalisation, or where repatriation has to be
considered.
The 24 hour Emergency Medical Assistance Service
telephone number is:
+44 (0)20 7183 3756
Covered
You
are covered up to the limit as shown on the
Summary of Cover for the value of the portion of
your
travel and accommodation expenses, calculated from the
date of
your
return to
your home
, which have not been
used and which were paid before
your
departure from
your Country of Residence
.
You
are also covered for
reasonable additional travelling expenses (Economy
Class) incurred by
you
for returning to
your home
earlier
than planned due to a cause listed below:
1. accidental injury, serious illness, death of
you
, any
person with whom
you
are intending to travel or
stay, or of an
immediate relative
or
close business
associate
of
yours
.
2.
your home
or place of business being made
uninhabitable or the police requesting
your
presence
following a theft from
your home
.
Conditions
1.
You
must contact the 24 hour Emergency Medical
Assistance Service for assistance/advice if
you
need
to cut short
your
trip for an insured reason.
2.
You
must use or revalidate
your
original ticket for
your
early return. If this is not possible
you
must
provide evidence that additional costs were
necessary. Any refunds due on unused original
tickets will be deducted from
your
claim. If
you
do
not have an original return ticket,
you
will not be
reimbursed for costs incurred for
your
early return.
3. If
you
require the 24 hour Emergency Medical
Assistance Service to pay for arrangements, they
may first need to contact the relevant
medical
practitioner
to confirm
your
claim falls within the
terms of
our
cover.
4. If
you
make
your
own arrangements
you
must
supply all necessary documentation to substantiate
that
your
claim falls within the terms of cover.
5. This policy does not provide compensation for loss of
holiday/enjoyment.
Not covered
1. the policy excess shown on the Summary of Cover.
This applies to each person making a claim;
2. claims that are not confirmed as medically necessary
by the 24 hour Emergency Medical Assistance
Service, and where a medical certificate has not been
obtained from the attending
medical practitioner
abroad confirming it necessary to
curtail
the trip;
3. additional travelling expenses incurred which are not
authorised by the 24 hour Emergency Medical
Assistance Service;
4. unused prepaid travel tickets where repatriation has
been arranged by the 24 hour Emergency Medical
Assistance Service;
5. if the Health Warranty has not been complied with
and
you
do not have an appropriate endorsement
