UltraCare - Expatriate Insurance Services

Transcription

UltraCare
UK China Japan Kuwait Qatar Singapore South Africa Thailand UAE Vietnam
www.interglobalpmi.com
Policies are underwritten by InterGlobal Insurance Company Ltd (Company Reg No 5956141) and administered by InterGlobal Limited (Company Reg No 3554885)
on behalf of the insurer. Both companies are authorised and regulated by the Financial Services Authority.
1/0111
Healthcare Plans
InterGlobal UltraCare plan
InterGlobal
provides...
...international private medical insurance for expatriates, frequent travellers and
international business people all over the world.
We cover individuals, families and corporate or affinity groups who have a
need for quality international medical insurance coverage.
As specialists in international private medical insurance, we can provide you with
a passport to global protection.
Wherever you are, you will have the reassurance of knowing that you have access
to medical assistance, wherever you happen to be.
Wherever you are,
you’re in safe hands
Life is full of uncertainties. You can’t
plan for what is going to happen, but
you can ensure that regardless of where
in the world you may find yourself, you’re
covered against almost all eventualities
with international health insurance
from InterGlobal.
Why should I buy
international health
insurance?
When you are away from home, you
want to know that you and your family,
or employees, will be able to access good
quality healthcare wherever you are. With
our plans, you have the flexibility to visit
any private or public hospital or clinic for
medical treatment.
Why choose InterGlobal?
We pride ourselves in high quality service
and exceptional cover. All our products are
designed to provide total peace of mind and
the level of protection you need backed by
full international support from our offices
around the globe, our 24/7 international
assistance companies and a worldwide
network of health advisors and hospitals.
• A
no claims bonus that allows you
to reduce your premiums every year.
This means that you can relax and use
your time and money to do the things
that you enjoy.
• r ed24, a 24/7 helpline and rescue and
repatriation service for any security
related incidents abroad. See page 5
for more information.
Who are InterGlobal?
• E mergency medical evacuation
and repatriation for the entire
family should a member become
critically ill.
Since 1998, InterGlobal has built an
excellent reputation for innovative products
and service, recognition of which has come
from being voted “International Private
Medical Insurer of the Year” in 2010 and
“Best International PMI Provider of the
Year” in 2010.
The company, founded in 1998 and known
for its innovation, flexibility and personal
approach to customer service, has seen
great success and growth in the highly
competitive and growing international
private medical insurance market.
We are specialists in international health
insurance, with the infrastructure, security
and expertise to give you confidence in our
products and service.
• T he financial bonus on every plan of
only paying for the first child and having
the second, third and fourth go free.
• T he flexibility of having a choice of five
plans, plus optional add-on plans and
choice of currency, payment frequency
and area of cover.
• P eace of mind of knowing that
your health and well-being are
being looked after by a financially
secure organisation with a B++
(Good) rating.
03
The UltraCare plan
Our UltraCare plans provide private
healthcare insurance cover for
expatriates, frequent travellers and
international business people all
over the world. These great value
plans cover individuals, families and
corporate or affinity groups who have
a need for quality international private
medical insurance cover.
We have five plans ranging from
in-patient medical treatment only, right
through to a full refund for most in- and
out-patient medical treatments. These
plans can be easily extended giving you
additional cover and extra flexibility with
our optional add-on plans.
24/7 worldwide
security assistance
red24 is a 24/7 security assistance service that
provides you and your immediate family with
peace of mind during your travels.
1
All the Plus plan benefits with increased
complementary medicine coverage, annual
dental check up and fully paid cancer care.
Includes red24 ActionResponse.*
4
UltraCare
Select
Full in-patient and daycare treatment with
limited cover for out-patient treatment,
including primary consultations. Includes
red24 AdviceLine.
red24 provides you with access to round
the clock advice and the support of 400
specialist travel safety advisors worldwide
who aim to reduce the risk of things going
wrong whilst overseas, and to be at hand
for any security related incident should
trouble occur.
Our partnership with red24 allows us to
provide peace of mind to you when facing
potentially dangerous situations, safe in
the knowledge that your plan incorporates
access to help, advice and evacuation
should the need arise.
Choose the right
plan for you
UltraCare
Elite
Who are red24?
2
UltraCare
Plus
All the benefits of the Comprehensive
plan but with higher limits. Includes
red24 ActionResponse.
5
3
UltraCare
Comprehensive
As for the Select plan but with higher
limits and cover for primary consultations,
dental and wellness benefits, plus red24
ActionResponse.
Choose from one of two
levels of red24 support
There are two levels of red24 cover available
free of charge. Both levels of cover offer
access to the 24/7 travel assistance phone
line, travel safety text alerts, family
membership* and full access to red24’s
continuously updated website with in-depth
safety information for over 185 countries.
AdviceLine: Tailored information before
you travel as well as expert advice at the end
of the phone during any situation. Available
on all UltraCare Standard and Select plans.
ActionResponse: Provides all of the
support of AdviceLine, plus support on
the ground, including an emergency
security evacuation service in the event
of a life-threatening situation affecting
you or your immediate family. Available
on all UltraCare Comprehensive, Plus and
Elite plans.
*Includes partners and families living in the
same household.
UltraCare
Standard
Full in-patient and daycare treatment,
plus red24 AdviceLine.
All plans include red24 cover.
Please see pages 6 to 9 of this brochure for more information about our plans and benefits.
* Elite plan benefits from ‘no excess or co-insurance’. However it is not possible to add a voluntary excess like you can with the other plans.
Only available for area 2 and area 3.
04
05
Table of benefits - UltraCare
Elite
1
Comprehensive
Select
2
In-patient and daycare treatment
2.1
Accidents and emergencies
£2,000,000
$3,400,000
€3,000,000
£2,000,000
$3,400,000
€3,000,000
£1,000,000
$1,700,000
€1,500,000
£750,000
$1,275,000
€1,125,000
£500,000
$850,000
€750,000
2.5
Prostheses: artificial body parts surgically implanted
to form permanent parts of your body
2.6
Parent accommodation (for an insured parent with
an insured child under 18 years of age in hospital)
2.7
Accidental damage to natural teeth
Comprehensive
Treatment for the immediate relief of dental pain,
accidental damage to natural teeth and restoring
natural teeth including X-rays, fillings, extractions,
4.1 root-canal treatment, gum treatment, semi-precious
and replacement crowns. This benefit is available after
you have had 182 days continuous cover under the
plan (see section 19 for deductibles)
Paid up to
£750
$1,275
€1,125
Paid up to 75% of
£750
$1,275
€1,125
Paid up to 75% of
£500
$850
€750
One dental checkup in each plan year to include
scraping, cleaning and polishing
Paid up to
£100
$170
€150
Not covered
Not covered
4.2
Hospital accommodation
Reconstructive surgery following an accident
2.4
or following surgery for an eligible medical condition
Plus
4
(see section 19 for deductibles)
Intensive care, theatre costs, nursing fees, medical
expenses and other charges, surgeons’, consultants’,
anaesthetists’ and medical practitioners’ fees,
2.3
prescribed drugs, MRI, PET and CT scans, X-rays,
pathology, diagnostic tests and procedures and
physiotherapy by a registered physiotherapist
Elite
Standard
Overall limits
Under the terms and conditions of the plan, we will pay
1.1 reasonable costs up to an overall maximum, for you in
each plan year (unless a lifetime limit is shown):
2.2
Plus
5
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
3.2
Not covered
Not covered
Complementary medicine and treatment by a therapist,
when referred by a medical practitioner, consultant
or specialist. This benefit covers osteopathic, chiropractic,
homeopathic and acupuncture treatment only*
3.4
Traditional Chinese medicine*
Physiotherapy by a registered physiotherapist, when
3.5 referred by a medical practitioner, consultant
or specialist*
3.6
MRI, PET and CT scans
3.7
Out-patient surgical operations
06
Covered in the
benefit limit shown
in sections 2.
Covered in the
benefit limit shown
in section 3.1
immediately following
in-patient or
daycare treatment
for a period of 90
days after leaving
hospital
5.2
Stabilising acute episodes of a cancer which is
diagnosed as a chronic medical condition
Paid in full
Paid in full
Paid in full
Consultations, tests, drugs and dressings to maintain
the symptoms of a cancer which is diagnosed as a
chronic medical condition
Covered in the
benefit limit shown
in section 7.2
Covered in the
benefit limit shown
in section 7.2
Covered in the
benefit limit shown
in section 7.2
Palliative and hospice care when cancer is diagnosed
5.4
as a terminal medical condition
Covered in the
benefit limit shown
in section 8.1
Covered in the
benefit limit shown
in section 8.1
Covered in the
benefit limit shown
in section 8.1
Paid up to
£500
$850
€750
Paid up to
£500
$850
€750
Paid up to
£400
$680
€600
Not covered
Not covered
Stabilising acute episodes of chronic medical
conditions
Covered in the
benefit limits shown
in sections 2 and 3
Covered in the
in sections 2 and 3
Covered in the
in sections 2 and 3
Covered in the
in sections 2 and 3
7.2
Consultations, tests, drugs and dressings to maintain
the symptoms of a chronic medical condition
Paid up to a lifetime
limit of
£60,000
$102,000
€90,000
limit of
£60,000
$102,000
€90,000
limit of
£50,000
$85,000
€75,000
limit of
£40,000
$68,000
€60,000
Covered in the
benefit limit shown
in sections 2.
Covered in the
benefit limit shown
in section 3.1
immediately following
in-patient or
daycare treatment
for a period of 90
days after leaving
hospital
7.3
Please note: If a chronic medical condition becomes terminal, cover under the chronic medical conditions benefit will end. We can only cover terminal medical conditions under the terminal
illness benefit
Not covered
3.3
Not covered
Cancer care
Treatment aimed to cure cancer, including bone
marrow transplants
Out-patient treatment
Psychiatric treatment and psychotherapy available
after you have had 12 months continuous cover under
the plan
Not covered
Out-patient dental treatment
5.1
5.3
Consultations to include medical practitioners’
3.1 fees, prescribed drugs and dressings, X-rays, pathology,
diagnostic tests and procedures
Standard
Paid in full
Psychiatric treatment and psychotherapy for up to
2.8 30 days, available after you have had 12 months
continuous cover under the plan
3
Select
Paid in full
Paid in full
Paid up to
£2,000
$3,400
€3,000
Paid up to
£2,000
$3,400
€3,000
Paid up to
£3,000
$5,100
€4,500
Paid up to
£2,000
$3,400
€3,000
Paid in full
Paid up to
£5,000
$8,500
€7,500
*Complementary
medicine and
treatment,
traditional
Chinese medicine
and physiotherapy
limited to
£1,000
$1,700
€1,500
Paid up to
£3,000
$5,100
€4,500
*Complementary
medicine and
treatment,
traditional
Chinese medicine
and physiotherapy
limited to
£750
$1,275
€1,125
Up to
£300
$510
€450
paid in each plan
year immediately
following related
in-patient or
daycare treatment
for a period of
90 days after
leaving hospital
6
Wellness benefit
6.1
Adults (18 and over): routine health checks
including cancer screening, cardiovascular examinations,
neurological examinations, vital sign tests (for example,
blood pressure, cholesterol checks) and vaccinations
6.2
Children (0-17): well-child tests and vaccinations
7
Chronic medical conditions
7.1
Not covered
Paid in full
Paid in full
Paid in full
Not covered
07
Table of benefits (continued)
8
Palliative and hospice care for a terminal
medical condition
9
Hormone replacement therapy
10
Hormone replacement therapy for pre- and postmenopausal symptoms
Select
limit of
£60,000
$102,000
€90,000
limit of
£60,000
$102,000
€90,000
limit of
£50,000
$85,000
€75,000
limit of
£40,000
$68,000
€60,000
Standard
11
Emergency local ambulance
Costs of appropriate ambulance transport needed
11.1 because of an emergency or medical necessity to
the nearest available and appropriate local hospital
Elite
16
Not covered
Paid up to
£150
$255
€225
Paid up to
£150
$255
€225
Paid up to
£150
$255
€225
Paid up to
£150
$255
€225
Up to
£150
$255
€225
paid in each plan
year immediately
following related
in-patient or
daycare treatment
for a period of 90
days after leaving
hospital
limit of
£50,000
$85,000
€75,000
limit of
£50,000
$85,000
€75,000
limit of
£50,000
$85,000
€75,000
Not covered
Paid in full
Paid in full
Paid in full
Paid in full
Transplants of kidney, liver, heart, lung or heart and lung
12.1 and any related treatment that you need as a result
of a covered medical condition
Paid up to
£250,000
$425,000
€375,000
Paid up to
£250,000
$425,000
€375,000
Paid up to
£250,000
$425,000
€375,000
Paid up to
£250,000
$425,000
€375,000
Paid up to
£250,000
$425,000
€375,000
Nursing at home
Primary care services of a registered nurse in your
13.1 home immediately after, or instead of, in-patient or
daycare treatment
Paid up to
£5,000
$8,500
€7,500
Paid up to
£5,000
$8,500
€7,500
Paid up to
£2,500
$4,250
€3,750
Paid up to
£2,500
$4,250
€3,750
Paid up to
£1,500
$2,550
€2,250
Compassionate emergency visit
Costs you have to pay for an economy class return ticket
from a country within your area of cover to visit a
close family member, if their medical condition
14.1
results in them being placed on a critical list, or their
death. You are limited to one return journey in each
plan year
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid up to
£35,000
$59,500
€52,500
Paid up to
£35,000
$59,500
€52,500
Paid up to
£30,000
$51,500
€45,000
Paid up to
£20,000
$34,000
€30,000
Not covered
Nil
£25.00
$42.50
€37.50
£25.00
$42.50
€37.50
£25.00
$42.50
€37.50
£25.00
$42.50
€37.50
In-patient, daycare and out-patient medical
treatment excess on benefit sections 2, 3, 5, 7, 10,
19.2
12 and 18 (applied for each medical condition in each
plan year)
N/A
Only applied if
you have chosen a
voluntary excess. This
replaces the standard
excess as shown in
section 19.1
Only applied if
you have chosen a
excess as shown in
section 19.1
Only applied if
you have chosen a
excess as shown in
section 19.1
Only applied if
you have chosen a
excess as shown in
section 19.1
19.3
Out-patient dental treatment co-insurance on
benefit section 4.1 (applied to each claim)
Nil
25%
25%
N/A
N/A
20
red24 security services
Included on your
plan. Please contact
red24 or visit
www.red24.com/
interglobal
Included on your
red24 or visit
www.red24.com/
interglobal
Paid in full
Paid in full
Paid in full
N/A
N/A
15.1
08
Cash payment made to you for each night where you
receive treatment as a non-paying patient
£250, $425, €375
paid for each night,
up to
£7,500, $12,750,
€11,250
£250, $425, €375
up to
£7,500, $12,750,
€11,250
£250, $425, €375
up to
£7,500, $12,750
€11,250
£250, $425, €375
up to
£7,500, $12,750,
€11,250
Emergency medical treatment outside of your
area of cover
19
Deductibles
Out-patient medical treatment standard excess
19.1 on benefit sections 3, 5, 7 and 10 (applied for each
medical condition in each plan year)
Not covered
Hospital cash benefit
Emergency medical treatment outside area of cover
18.1
20.2
15
Mortal remains
If you die outside of your home country, we will
pay the costs of preparing and transporting your body,
17.1 mortal remains or ashes to your home country, or
we will pay the costs of preparing your body or mortal
remains for local burial or cremation
20.1
Paid in full
Economy class return ticket following your evacuation,
to the country where you live
Paid in full
13.2 Please note: The benefit for nursing at home does not apply to terminal medical conditions. We can only cover terminal medical conditions under the terminal illness benefit
14
Standard
Paid in full
Organ transplants
Select
Paid in full
when relating to
in-patient and
daycare treatment
18
Paid in full
Comprehensive
Evacuation and repatriation
Costs of your dependants, a close family member
or business colleague having to accompany you for
a medical evacuation. This benefit will only become
available under the conditions detailed in clause (a) of
benefit section 16.1 above and must be pre-authorised
by us
16.3
We will provide cover for the following:
• return economy flight
• overnight accommodation to include breakfast
• return taxi from the airport to the hotel
• return taxi from the hotel to the hospital once a day
17
limit of
£50,000
$85,000
€75,000
Plus
The costs to transport you to the nearest centre where
appropriate medical facilities are available. We will only
pay this benefit, including treatment received, if you
16.1
suffer from a medical condition; (a) that means you
need to be placed on a critical list, or (b) for which, in
our opinion, appropriate treatment is not available locally
16.2
available after you have had 4 years continuous cover from the date that the benefit was first introduced on your plan (see section 19 for deductibles)
Treatment for HIV or AIDS and related medical
conditions
13
Comprehensive
HIV or AIDS
10.1
12
Plus
Terminal illness
8.1
9.1
Elite
AdviceLine - 24/7 personal security information and
advice for all travel safety queries
ActionResponse - 24/7 international rescue and response
service for a potentially life-threatening, non-medical event
Included on your
red24 or visit
www.red24.com/
interglobal
Included on your
red24 or visit
www.red24.com/
interglobal
Included on your
red24 or visit
www.red24.com/
interglobal
£250, $425, €375
up to
£7,500, $12,750,
€11,250
09
UltraCare premiums (continued)
UltraCare premiums Valid from 1 January 2011
These premiums apply to all new and renewing plans from 1 January 2011. We will review these premiums every year. Premiums may also be
reviewed periodically.
Working out your premium
Co-insurance (applies to UltraCare Plus and Comprehensive plans).
You must pay 25% of all out-patient dental claims. The total amount we will pay to you for an eligible claim for out-patient
dental treatment will be 75% of the limit shown on your table of benefits. You cannot remove this co-insurance.
Working out the premiums to pay is easy.
1.
2.
3.
4.
5.
6.
Co-insurance (deductibles)
Choose the currency you want to pay in (GB pounds (£), US dollars ($) or Euros (€)).
Choose the UltraCare plan you want based on the cover you need (Elite, Plus, Comprehensive, Select or Standard).
Choose the area of cover you need. (See the areas of cover below).
Read across the premium table based on your current age and that of any dependants.
Choose how often you want to pay the premiums (every month, every three months or every year).
Choose an excess option (if available and if you need one) and adjust the premium based on the information below.
No-claims discount
Your plan premiums depend on your age and will increase as you get older. Your premiums will also increase in line with medical inflation.
As long as no claims are made by the planholder or any dependant on the plan, we will give no-claims discounts on renewal premiums.
These are based on the amount of time the plan has been claim free. If the planholder or any dependant covered under the plan has one
or more claims paid during a plan year, the no-claims discount will be lost until the plan has been claim free for at least one plan year.
The premiums for any children (aged 0 to 17) on the plan apply to the first child only (second, third and fourth children are free).
The following discounts will apply once the plan has been claim free for the amount of time shown:
Different premiums apply if the planholder resides in any of the following countries: Singapore, Hong Kong, Indonesia, Vietnam, or any
country within Africa. Please contact us for more information.
• For less than one plan year - no discount
• For one plan year - 10% premium discount
• For two plan years - 15% premium discount
• For three or more plan years - 20% premium discount
Insurance Premium Tax (IPT) and other local taxes will be added to your premium if they apply.
If you are over 74 we will give you a quote for your renewal premiums.
Due to administration costs, the total premiums you pay every month or every three months will be higher than if you pay the premiums
every year (about 12% if you pay every month and 7.5% if you pay every three months). The premiums shown are rounded to the nearest
decimal place so they are easier for you to use.
The maximum no-claims discount is 20%.
If a claim relating to a previous plan year is made and we have already given a no-claims discount, we can recover the extra premium due
for the plan year to which we gave the no-claims discount.
Areas of cover
Any claims made for the wellness benefit or optional add-on plans will not affect the no-claims discount. The no-claims discount does not
apply to the premiums of any optional add-on plans you may have chosen.
Choose the area of cover from the descriptions below. Base your decision on the country you live in and your home country if you need the
option of returning to your home country for treatment.
Paying your premiums
Area 1: Europe (not available on the UltraCare Elite plan)
Area 2: Worldwide, not including the USA
Area 3: Worldwide
It is important that the planholder keeps payment of premiums up to date and tells us immediately about any changes to payment details.
Full payment details and information on unpaid or late payments can be found in the plan guide. If premiums are not paid on time,
we will suspend all claims until the premiums are up to date.
A list of countries and areas is available on our website at www.interglobalpmi.com.
Please see the eligibility section in the plan guide for restrictions on US citizens.
For yearly premium payments, you can choose to pay by:
• credit card;
• banker’s draft or cheque;
• bank transfer; or
• direct debit.
Excesses (deductibles)
The currency of your excess is based on the currency of your plan.
For payments made every month and every three months, you can choose to pay by:
• credit card; or
• direct debit.
UltraCare Elite plan only
This plan does not have an excess. You cannot choose a voluntary excess.
UltraCare Plus, Comprehensive and Select plans only
You must pay a standard amount of £25, $42.50 or €37.50 for each
medical condition in each plan year for all out-patient medical treatment
claims, including out-patient medical treatment for cancer care,
chronic medical conditions and HIV or AIDS.
You may choose a voluntary excess to lower your premiums or you
can choose to remove the excess completely which will increase your
premium. 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 in-patient, daycare and out-patient medical
treatment for cancer care, chronic medical conditions, HIV or AIDS,
organ transplants and emergency medical treatment outside area of cover.
UltraCare Standard plan only
You must pay a standard amount of £25, $42.50 or €37.50 for each
medical condition in each plan year for all out-patient medical treatment
claims, including out-patient medical treatment for cancer care and
chronic medical conditions.
You may choose a voluntary excess to lower your premiums.
This will apply for each medical condition in each plan year for all
in-patient, daycare and out-patient medical treatment, including
in-patient, daycare and out-patient medical treatment for cancer care,
chronic medical conditions and organ transplants.
10
Excess (deductible) options
No excess
Premium change
+10%
£50, $85 or €75
-5%
£100, $170 or €150
-10%
£250, $425 or €375
-15%
£500, $850 or €750
-20%
£1,000, $1,700 or €1,500
-25%
£2,500, $4,250 or €3,750
-30%
£5,000, $8,500 or €7,500
-40%
Excess (deductible) options
We can only accept direct debits from UK bank accounts for plans in GB pounds (£).
Bank drafts and cheques must be in the currency of your plan and payable to InterGlobal.
Bank transfers must also be in the currency of your plan. Please make sure that you give your full name and quotation or plan number
as the reference for your bank transfer.
You can find our full bank details for payments by bank transfer on our application form or on our website at www.interglobalpmi.com.
Premium change
£500, $850 or €750
-10%
£1,000, $1,700 or €1,500
-20%
£2,500, $4,250 or €3,750
-30%
£5,000, $8,500 or €7,500
-40%
11
GB pounds (£) UltraCare premiums
Age
band
136.40
163.16
189.72
216.67
243.05
276.17
324.44
411.63
504.99
632.22
758.88
1517.57
392.76
469.79
546.29
623.87
699.84
795.20
934.19
1185.25
1454.09
1820.43
2185.16
4369.78
1461.40
1748.04
2032.70
2321.37
2604.05
2958.87
3476.04
4410.22
5410.54
6773.68
8130.82
16259.64
342.44
407.90
474.69
543.27
609.84
694.00
815.79
1036.88
1273.33
1595.51
1915.90
3831.56
986.03
1174.52
1366.85
1564.31
1756.01
1998.34
2349.03
2985.65
3666.51
4594.19
5516.75
11032.84
3668.94
4370.29
5085.92
5820.68
6533.96
7435.67
8740.57
11109.39
13642.81
17094.66
20527.41
41052.41
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
88.13
105.68
122.82
140.23
157.24
178.53
209.34
265.72
325.72
407.69
489.12
978.36
253.76
304.28
353.65
403.78
452.75
514.07
602.77
765.13
937.90
1173.91
1408.38
2817.14
944.21
1132.20
1315.88
1502.41
1684.65
1912.81
2242.86
2846.97
3489.83
4368.02
5240.48
10482.38
97.64
116.79
135.81
155.10
173.98
197.69
232.24
294.65
361.48
452.55
543.22
1086.31
281.14
336.29
391.05
446.58
500.96
569.22
668.71
848.43
1040.87
1303.10
1564.18
3127.98
1046.10
1251.28
1455.05
1661.68
1864.03
2118.02
2488.22
3156.92
3872.97
4848.73
5820.20
11638.97
245.13
291.98
339.79
388.88
436.54
496.78
583.96
742.22
911.48
1142.10
1371.44
2742.71
705.82
840.75
978.42
1119.77
1256.99
1430.45
1681.49
2137.19
2624.56
3288.62
3949.00
7897.52
2626.30
3128.34
3640.60
4166.56
4677.14
5322.60
6256.67
7952.32
9765.79
12236.69
14693.92
29386.12
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
68.58
83.04
96.70
111.17
124.96
142.37
167.69
213.49
262.78
329.61
396.17
795.41
197.46
239.11
278.44
320.09
359.82
409.95
482.84
614.73
756.64
949.08
1140.74
2290.36
734.70
889.68
1036.05
1191.03
1338.83
1525.38
1796.58
2287.34
2815.40
3531.44
4244.61
8522.24
76.61
92.15
107.55
123.36
138.89
158.18
186.30
237.33
291.97
366.30
440.10
883.54
220.59
265.33
309.68
355.19
399.92
455.46
536.44
683.37
840.71
1054.75
1267.24
2544.11
820.80
987.26
1152.29
1321.62
1488.07
1694.70
1996.04
2542.76
3128.21
3924.62
4715.28
9466.45
195.56
233.65
272.86
313.02
351.75
401.00
472.08
601.33
739.35
927.58
1115.00
2234.46
563.10
672.78
785.68
901.33
1012.84
1154.64
1359.32
1731.50
2128.93
2670.91
3210.60
6434.04
2095.24
2503.34
2923.43
3353.75
3768.70
4296.33
5057.92
6442.79
7921.57
9938.26
11946.39
23940.59
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
62.55
75.41
87.86
100.86
113.44
129.25
152.15
193.80
238.40
299.07
359.47
721.89
180.11
217.13
252.99
290.40
326.65
372.16
438.10
558.03
686.45
861.15
1035.08
2078.64
670.14
807.90
941.34
1080.54
1215.42
1384.75
1630.12
2076.39
2554.23
3204.27
3851.44
7734.44
69.11
83.58
97.64
111.97
126.03
143.58
169.16
215.36
264.92
332.42
399.65
801.84
199.00
240.65
281.14
322.41
362.90
413.42
487.08
620.12
762.81
957.18
1150.77
2308.87
740.44
895.42
1046.10
1199.63
1350.31
1538.27
1812.37
2307.42
2838.35
3561.58
4281.93
8591.11
177.55
212.14
247.52
284.01
319.24
363.86
428.57
545.71
671.14
841.67
1011.73
2027.75
511.24
610.83
712.71
817.80
919.22
1047.72
1234.04
1571.34
1932.51
2423.55
2913.22
5838.82
1902.28
2272.83
2651.93
3042.95
3420.34
3898.46
4591.75
5846.83
7190.72
9017.86
10839.86
21725.83
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
43.27
54.25
62.82
71.93
80.50
91.48
107.42
136.08
166.88
209.07
250.86
501.57
124.57
156.19
180.88
207.10
231.78
263.40
309.29
391.82
480.52
602.00
722.32
1444.25
463.51
581.17
673.01
770.58
862.43
980.09
1150.84
1457.92
1787.96
2239.99
2687.70
5373.93
47.68
59.87
69.52
79.43
89.34
101.26
118.93
150.94
185.23
231.97
278.58
556.88
137.30
172.39
200.16
228.70
257.23
291.55
342.46
434.63
533.36
667.94
802.15
1603.52
510.85
641.43
744.76
850.94
957.13
1084.83
1274.25
1617.21
1984.57
2485.35
2984.73
5966.57
120.02
149.66
174.36
199.39
223.77
254.53
299.31
380.60
467.14
585.55
703.17
1406.50
345.57
430.93
502.06
574.11
644.33
732.90
861.86
1095.90
1345.10
1686.07
2024.75
4049.96
1285.84
1603.45
1868.13
2136.22
2397.49
2727.05
3206.89
4077.76
5005.00
6273.74
7533.95
15069.60
12
Not available
Every month
Area 1
Every three months
Yearly
Every month
Area 2
Every three months
Yearly
Every month
Area 3
Every three months
Yearly
231.88
277.36
322.53
368.33
413.18
469.48
551.54
699.76
858.47
1074.76
1290.09
2579.87
667.67
798.64
928.70
1060.58
1189.72
1351.83
1588.12
2014.92
2471.94
3094.73
3714.77
7428.63
2484.35
2971.67
3455.61
3946.34
4426.86
5030.04
5909.27
7497.35
9197.89
11515.26
13822.39
27641.38
582.14
693.42
806.97
923.55
1036.73
1179.80
1386.84
1762.69
2164.66
2712.35
3257.02
6513.65
1676.25
1996.67
2323.64
2659.33
2985.21
3397.18
3993.35
5075.60
6233.05
7810.12
9378.46
18755.83
6237.19
7429.46
8646.07
9895.15
11107.73
12640.64
14858.94
18885.93
23192.74
29060.88
34896.59
69789.10
Elite
Yearly
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
Plus
Area 3
Every three months
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
149.82
179.64
208.79
238.39
267.30
303.50
355.87
451.72
553.72
693.06
831.49
1663.21
431.39
517.27
601.19
686.42
769.68
873.92
1024.70
1300.71
1594.42
1995.65
2394.24
4789.15
1605.15
1924.71
2236.97
2554.09
2863.89
3251.77
3812.83
4839.85
5932.70
7425.64
8908.80
17820.06
165.98
198.54
230.87
263.66
295.76
336.06
394.80
500.90
614.51
769.34
923.48
1846.72
477.94
571.68
664.78
759.19
851.63
967.67
1136.81
1442.32
1769.46
2215.27
2659.11
5317.56
1778.35
2127.18
2473.59
2824.87
3168.83
3600.60
4229.97
5366.75
6584.03
8242.85
9894.34
19786.24
416.71
496.37
577.65
661.10
742.11
844.52
992.73
1261.77
1549.51
1941.56
2331.44
4662.60
1199.89
1429.26
1663.31
1903.60
2136.87
2431.77
2858.52
3633.21
4461.74
5590.64
6713.29
13425.79
4464.70
5318.15
6189.03
7083.14
7951.13
9048.42
10636.32
13518.92
16601.82
20802.35
24979.66
49956.41
Comprehensive
Every month
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
116.58
141.17
164.39
188.98
212.43
242.03
285.06
362.93
446.71
560.33
673.48
1352.20
335.67
406.48
473.35
544.16
611.68
696.91
820.81
1045.03
1286.29
1613.43
1939.26
3893.60
1249.00
1512.46
1761.28
2024.75
2275.99
2593.12
3054.17
3888.46
4786.17
6003.44
7215.84
14487.79
130.24
156.65
182.83
209.70
236.11
268.90
316.71
403.46
496.35
622.71
748.16
1502.01
375.01
451.06
526.45
603.81
679.86
774.27
911.94
1161.73
1429.21
1793.06
2154.30
4324.98
1395.35
1678.34
1958.86
2246.72
2529.70
2880.98
3393.25
4322.68
5317.96
6671.85
8015.98
16092.93
332.45
397.20
463.85
532.13
597.97
681.69
802.53
1022.26
1256.89
1576.87
1895.50
3798.58
957.26
1143.72
1335.64
1532.24
1721.82
1962.89
2310.84
2943.55
3619.17
4540.54
5458.01
10937.86
3561.89
4255.69
4969.80
5701.35
6406.76
7303.76
8598.47
10952.74
13466.66
16895.01
20308.85
40698.98
Select
Yearly
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
106.33
128.19
149.36
171.45
192.85
219.72
258.65
329.46
405.28
508.42
611.10
1227.20
306.17
369.11
430.08
493.67
555.30
632.66
744.76
948.66
1166.97
1463.96
1759.63
3533.68
1139.23
1373.41
1600.27
1836.90
2066.20
2354.06
2771.20
3529.87
4342.18
5447.27
6547.44
13148.54
117.49
142.08
165.98
190.35
214.25
244.08
287.57
366.12
450.36
565.11
679.40
1363.13
338.29
409.10
477.94
548.09
616.92
702.81
828.03
1054.21
1296.77
1627.20
1956.31
3925.07
1258.74
1522.21
1778.35
2039.37
2295.50
2615.07
3081.01
3922.62
4825.19
6054.68
7279.27
14604.88
301.83
360.63
420.77
482.82
542.70
618.56
728.56
927.70
1140.93
1430.84
1719.93
3447.17
869.10
1038.40
1211.60
1390.25
1562.67
1781.11
2097.86
2671.28
3285.27
4120.03
4952.47
9925.99
3233.86
3863.80
4508.25
5173.02
5814.55
6627.38
7805.96
9939.62
12224.23
15330.33
18427.77
36933.88
Standard
Area 2
Every three months
Elite
Every month
Plus
Yearly
Comprehensive
Area 1
Every three months
Select
Every month
Standard
Age
band
US dollars ($) UltraCare premiums
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
73.55
92.22
106.79
122.27
136.84
155.51
182.61
231.33
283.70
355.41
426.45
852.67
211.76
265.52
307.48
352.06
394.02
447.78
525.80
666.09
816.88
1023.39
1227.94
2455.22
787.94
987.98
1144.10
1309.98
1466.09
1666.13
1956.44
2478.47
3039.54
3807.95
4569.06
9135.68
81.06
101.78
118.17
135.02
151.87
172.13
202.19
256.60
314.89
394.35
473.58
946.70
233.40
293.06
340.26
388.78
437.29
495.64
582.18
738.86
906.70
1135.50
1363.65
2725.98
868.44
1090.43
1266.08
1446.59
1627.10
1844.22
2166.23
2749.24
3373.74
4225.09
5074.01
10143.16
204.02
254.42
296.41
338.95
380.40
432.70
508.83
647.01
794.13
995.44
1195.39
2391.05
587.47
732.58
853.50
975.99
1095.35
1245.92
1465.15
1863.03
2286.66
2866.32
3442.07
6884.93
2185.91
2725.86
3175.80
3631.56
4075.70
4635.98
5451.70
6932.19
8508.47
10665.34
12807.70
25618.31
Not available
13
Euros (€) UltraCare premiums
Every month
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
Area 1
Every three months
Yearly
Yearly
Every month
Area 3
Every three months
Yearly
204.60
244.73
284.59
325.00
364.57
414.24
486.65
617.43
757.48
948.32
1138.32
2276.35
589.12
704.69
819.45
935.81
1049.75
1192.79
1401.29
1777.87
2181.12
2730.64
3277.74
6554.67
2192.07
2622.09
3049.08
3482.06
3906.04
4438.28
5214.08
6615.31
8115.79
10160.51
12196.22
24389.44
513.66
611.84
712.04
814.90
914.76
1041.00
1223.68
1555.32
1910.00
2393.25
2873.84
5747.34
1479.05
1761.77
2050.28
2346.46
2634.00
2997.51
3523.54
4478.47
5499.76
6891.28
8275.12
16549.26
5503.41
6555.42
7628.92
8731.01
9800.92
11153.52
13110.83
16664.06
20464.19
25641.96
30791.11
61578.63
132.19
158.51
184.23
210.34
235.86
267.80
314.00
398.58
488.58
611.53
733.67
1467.54
380.64
456.42
530.46
605.66
679.13
771.11
904.15
1147.69
1406.84
1760.86
2112.57
4225.72
1416.32
1698.29
1973.80
2253.61
2526.98
2869.21
3364.27
4270.45
5234.74
6552.03
7860.71
15723.58
146.46
175.19
203.71
232.64
260.97
296.53
348.36
441.97
542.22
678.83
814.83
1629.46
421.71
504.43
586.58
669.87
751.44
853.83
1003.07
1272.64
1561.29
1954.65
2346.27
4691.96
1569.13
1876.94
2182.59
2492.53
2796.02
3177.01
3732.34
4735.37
5809.44
7273.09
8730.29
17458.44
367.69
437.97
509.69
583.32
654.80
745.17
875.94
1113.33
1367.21
1713.14
2057.15
4114.06
1058.73
1261.11
1467.63
1679.65
1885.47
2145.68
2522.22
3205.78
3936.84
4932.92
5923.49
11846.29
3939.45
4692.50
5460.93
6249.83
7015.69
7983.91
9384.99
11928.46
14648.67
18355.02
22040.88
44079.19
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
102.86
124.56
145.05
166.75
187.44
213.56
251.53
320.23
394.16
494.41
594.25
1193.12
296.18
358.65
417.66
480.13
539.72
614.92
724.25
922.09
1134.96
1423.62
1711.11
3435.52
1102.06
1334.51
1554.07
1786.53
2008.24
2288.04
2694.87
3431.00
4223.10
5297.16
6366.92
12783.33
114.92
138.22
161.32
185.03
208.33
237.26
279.45
355.99
437.96
549.45
660.14
1325.31
330.89
397.99
464.52
532.77
599.88
683.18
804.65
1025.05
1261.07
1582.12
1900.85
3816.16
1231.20
1480.89
1728.42
1982.40
2232.10
2542.03
2994.04
3814.13
4692.33
5886.93
7072.92
14199.65
293.34
350.47
409.28
469.53
527.62
601.49
708.11
902.00
1109.02
1391.36
1672.50
3351.69
844.64
1009.17
1178.51
1351.98
1519.25
1731.96
2038.98
2597.26
3193.38
4006.36
4815.89
9651.05
3142.84
3755.02
4385.14
5030.60
5653.02
6444.49
7586.89
9664.19
11882.34
14907.36
17919.58
35910.87
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
93.82
113.11
131.79
151.28
170.16
193.87
228.22
290.70
357.60
448.60
539.21
1082.83
270.15
325.68
379.48
435.59
489.97
558.23
657.14
837.05
1029.68
1291.73
1552.61
3117.95
1005.19
1211.83
1412.00
1620.80
1823.12
2077.12
2445.17
3114.57
3831.34
4806.41
5777.15
11601.66
103.67
125.36
146.46
167.95
189.05
215.36
253.74
323.04
397.38
498.63
599.47
1202.76
298.49
360.97
421.71
483.61
544.35
620.12
730.61
930.18
1144.22
1435.76
1726.16
3463.29
1110.66
1343.13
1569.13
1799.45
2025.46
2307.42
2718.54
3461.13
4257.54
5342.36
6422.89
12886.65
266.32
318.20
371.27
426.02
478.85
545.79
642.85
818.56
1006.70
1262.50
1517.59
3041.62
766.86
916.24
1069.06
1226.70
1378.82
1571.57
1851.05
2357.01
2898.76
3635.32
4369.83
8758.23
2853.42
3409.23
3977.88
4564.44
5130.48
5847.68
6887.62
8770.25
10786.07
13526.77
16259.80
32588.73
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
64.89
81.37
94.22
107.89
120.74
137.22
161.12
204.11
250.32
313.60
376.28
752.35
186.85
234.29
271.31
310.65
347.67
395.10
463.94
587.73
720.78
903.00
1083.48
2166.37
695.24
871.74
1009.50
1155.87
1293.63
1470.13
1726.27
2186.88
2681.95
3359.97
4031.52
8060.89
71.52
89.80
104.27
119.14
134.00
151.88
178.40
226.41
277.84
347.95
417.87
835.32
205.94
258.58
300.23
343.04
385.85
437.33
513.69
651.94
800.03
1001.91
1203.22
2405.28
766.28
962.14
1117.12
1276.41
1435.69
1627.25
1911.38
2425.81
2976.82
3728.03
4477.08
8949.85
180.02
224.49
261.54
299.07
335.65
381.79
448.97
570.89
700.70
878.33
1054.76
2109.75
518.36
646.39
753.09
861.16
966.49
1099.35
1292.78
1643.85
2017.64
2529.11
3037.13
6074.93
1928.75
2405.16
2802.19
3204.31
3596.22
4090.57
4810.33
6116.64
7507.47
9410.61
11300.92
22604.39
Plus
0-17
18-25
26-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
Comprehensive
Area 2
Every three months
Select
Not available
Every month
Standard
Elite
Age
band
14
Optional add-on plans
Personal accident
We also offer three optional add-on plans,
giving you extra flexibility and cover for
things that might be important to you:
You may need to pay for more than just
medical treatment if you suffer an injury. Our
optional personal accident add-on plan will
give a lump sum payment for loss of sight,
loss of limbs, permanent total disablement
or death as a result of an accident.
Travel insurance
If you take a lot of trips away from the
country where you live, travel insurance is
essential. This yearly plan covers emergency
medical treatment, lost, damaged or
delayed baggage and personal belongings,
travel cancellation, missed departure, hijack,
theft and accidental loss of money
or passports.
Maternity
If you are planning to have a baby, you
want to know that you can access the
best healthcare available. Our optional
maternity plan will cover most maternity
medical needs, including care during normal
pregnancy and childbirth and cover for
complications. This plan is not available
with the UltraCare Standard plan.
Who can be covered
by an UltraCare plan?
Our plans are available to people of all
nationalities and their dependants, except:
• C
itizens of the USA residing in
the USA;
• P eople who are governed by
exchange controls or local licensing
regulations;
• W
here cover is illegal under local
laws; or
• A
nyone who is older than 74 at their
UltraCare plan start date.
Pre-existing medical
conditions
We underwrite our plans on a 24 month
moratorium basis. This means that any
pre-existing medical conditions that have
existed in the two years before your plan
starts will not be covered until you have
been free of symptoms or treatment for
two years after the start date of the plan.
For a full definition of pre-existing medical
conditions and an explanation of our
moratorium, please see the UltraCare
plan guide.
Transfers
If you already have a health insurance
plan with another provider, we may be
able to continue your cover with the
same underwriting terms. Please be
aware that our policy terms, conditions
and benefits may be different from those
offered by other insurers.
15
Table of benefits - optional maternity add-on plan
Under the terms and conditions of the plan, we will pay reasonable costs up to an overall maximum for each pregnancy,
in each plan year:
Table of benefits - optional maternity add-on plan premiums
Area 1 and 2
Area 3
£1,000,000
$1,700,000
€1,500,000
£1,000,000
$1,700,000
€1,500,000
No co-insurance
Age band
Area 1
£1,225.00
$2,084.00
€1,839.00
£1,411.00
$2,402.00
€2,118.00
£3,021.00
$5,133.00
€4,531.00
35-44
£1,688.00
$2,871.00
€2,533.00
£1,948.00
$3,313.00
€2,924.00
£3,858.00
$6,562.00
€5,791.00
10% co-insurance
Delivery costs, antenatal checkups, postnatal checkups, examinations, hospital accommodation costs and nursing charges
Age band
This benefit covers the following for the newborn child
• one consultation charge to cover a physical examination, vitamin K, hepatitis B and BCG vaccine
• one hearing test
• routine blood tests for PKU, congenital hypothyroidism and G6PD
• accommodation costs for no more than four nights for the newborn child, if the mother is admitted and not suffering
any complications.
Paid up to
£5,000
$8,500
€7,500
Paid up to
£7,500
$12,750
€11,250
Area 2
Area 3
18-34
£980.00
$1,667.00
€1,471.00
£1,128.00
$1,921.00
€1,695.00
£2,416.00
$4,107.00
€3,624.00
35-44
£1,350.00
$2,296.00
€2,026.00
£1,558.00
$2,651.00
€2,339.00
£3,086.00
$5,249.00
€4,631.00
Area 3
You must pay a 10% co-insurance for each claim under section 1. This will be limited to a maximum of £750, $1,275 or €1,125 in total and allows a maximum benefit of £6,750,
$11,475 or €10,125 after you have paid the 10% co-insurance.
20% co-insurance
Age band
The total amount payable for a claim under section 1 will be either 100%, 90% or 80% of the benefit limit shown depending on the
co-insurance you have chosen and the area of cover of your plan
Area 1
Area 2
Area 3
18-34
£784.00
$1,334.00
€1,175.00
£904.00
$1,537.00
€1,357.00
£1,932.00
$3,286.00
€2,899.00
35-44
£1,080.00
$1,838.00
€1,621.00
£1,247.00
$2,121.00
€1,872.00
£2,470.00
$4,200.00
€3,705.00
Area 1 and area 2
You must pay a 20% co-insurance for each claim under section 1. This will be limited to a maximum of £1,000, $1,700 or €1,500 in total and allows a maximum benefit of £4,000,
Section 2 - Complications in pregnancy during the antenatal period and childbirth
Paid in full
Paid in full
Area 3
You must pay a 20% co-insurance for each claim under section 1. This will be limited to a maximum of £1,500, $2,550 or €2,250 in total and allows a maximum benefit of £6,000
Optional maternity add-on plan premiums can be paid every year or as often as your UltraCare plan premium is paid. Due to administration costs, the total premiums paid every month
or every three months will be higher than premiums paid every year (about 12% if paid every month and 7.5% if paid every three months). Different premiums apply to this plan if the
planholder resides in any of the following countries: Singapore, Hong Kong, Indonesia, Vietnam, or any country within Africa. Please contact us for more information.
Section 3 - Birth defects and congenital abnormalities
Investigation and treatment of birth defects and congenital abnormalities, including birth trauma, which are diagnosed in the
first six months from birth. This benefit is available for each pregnancy for 12 months from the date of diagnosis
Area 1
Area 1 and area 2
You must pay a 10% co-insurance for each claim under section 1. This will be limited to a maximum of £500, $850 or €750 in total and allows a maximum benefit of £4,500,
Co-insurance
You must pay a co-insurance for each claim under section 1. You can choose to have either:
• no co-insurance;
• 10% co-insurance; or
• 20% co-insurance.
Treatment for a medical complication which happens during the antenatal period or childbirth due to a medical condition. This
benefit does not cover any complication arising during the antenatal, childbirth or postnatal period in a pregnancy resulting from
assisted conception. This will be limited to the amounts shown in section 1 above
Area 3
18-34
Section 1 - Normal pregnancy and childbirth
This benefit covers no more than three routine antenatal ultrasound scans (one in each trimester) during the term of a normal
uncomplicated pregnancy. If any more ultrasound scans are needed, your treating doctor must provide full reasons in the medical section
of the claim form. This benefit also covers 12 routine antenatal visits during the term of a normal pregnancy. If any more antenatal
visits are needed, your treating doctor must provide full reasons in the medical section of the claim form, so we can consider cover.
Area 2
Paid up to
£20,000
$34,000
€30,000
Paid up to
£30,000
$51,000
€45,000
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Section 4 - Terminating a pregnancy
Terminating a pregnancy when medically necessary
Section 5 - Newborn child accommodation
Hospital accommodation costs for a newborn child to stay with its mother when she is receiving treatment as an in-patient in a
hospital for a medical condition covered under this plan
Section 6 - Emergency local ambulance
Costs of appropriate ambulance transport needed because of an emergency or medical necessity to the nearest available and
appropriate local hospital
Eligibility
• Cover under this plan is only valid if your UltraCare Elite, Plus, Comprehensive or Select plan is in force
• Available to female members only
• The minimum age at entry for this plan is 18. The maximum age at entry is 44. Once you have reached the age of 46 during your plan year, your cover will not be renewed
• Cover becomes available for treatment received 12 months after the start date of this plan.
16
17
Table of benefits - optional personal accident add-on plan
Upper limbs (continued)
Worldwide cover
The optional personal accident add-on plan does not provide cover for sickness or disease
Overall limit
Under the terms and conditions of the plan, if you suffer bodily injury during the plan year, due to any one or more accidents,
we will pay up to an overall maximum for each unit of:
£50,000,
$85,000,
€75,000
paid for each unit (maximum of 5 units:
£250,000,
$425,000,
€375,000)
Section A – Accidental death benefit
If you die because of an accident and your death is within 12 months of the accident, this benefit will be paid to your
personal representative:
£50,000,
$85,000,
€75,000
paid for each unit
Section B – Permanent total disablement
Total loss of one median finger
10%
Loss of the ungual phalanx of both thumbs
25%
Total loss of both thumbs
50%
Loss of the ungual phalanx of both forefingers
13%
Loss of two phalanges of both forefingers
25%
Total loss of both forefingers
38%
Total loss of a finger excluding thumb, forefinger and median
7%
Total loss of thumb and forefinger of one hand
35%
Total loss of thumb and finger of one hand, excluding forefinger
25%
Total loss of two fingers of one hand, excluding thumb and forefinger
12%
Total loss of three fingers of one hand, excluding thumb and forefinger
20%
Total loss of four fingers of one hand, excluding thumb
40%
Total loss of four fingers of one hand, including thumb
45%
Lower limbs
If you suffer a permanent total disablement because of an accident within 12 months of the accident which results in one or more
of the following:
Total loss of one leg
100%
Total loss of foot (tibio-tarsal disarticulation)
100%
Partial loss of foot (sub-ankle-bone disarticulation)
40%
Partial loss of foot (medio-tarsal disarticulation)
35%
Partial loss of foot (tarso-metatarsal disarticulation)
30%
Loss of osseous substance from thigh or both bones of the leg (definite and incurable lesion)
60%
Loss of osseous substance of the knee-pan with extensive separation of the fragments and extensive difficulty of movements
in stretching the leg
40%
Total loss of one hand and one leg
Loss of osseous substance of the knee-pan while the movements are preserved
20%
Total loss of one hand and one foot
Shortening of the lower limb by 1 to 3 cm
10%
Total loss of both arms or both hands
Shortening of the lower limb by 3 to 5 cm
20%
Total loss of both legs or both feet
Shortening of the lower limb by more than 5 cm
30%
Section C – Permanent total disablement
Total paralysis of lower limb (definite and incurable lesion)
100%
Total paralysis of the external poplitic sciatic nerve
30%
Total paralysis of the internal poplitic sciatic nerve
20%
Total paralysis of both the external and internal poplitic sciatic nerves
40%
Head
Total loss of one big toe
10%
Loss of osseous substance of the skull in all its thickness with a surface of less than 3 sq cm
10%
Total loss of one toe, excluding big toe
3%
Loss of osseous substance of the skull in all its thickness with a surface of 3 to 6 sq cm
20%
Total loss of both big toes
25%
Loss of osseous substance of the skull in all its thickness with a surface of more than 6 sq cm
40%
Total loss of two toes of one foot, excluding big toe
5%
Total loss of sight of one eye
40%
Total loss of four toes of one foot, excluding big toe
10%
Total deafness of one ear
30%
Total loss of four toes of one foot, including big toe
20%
Partial removal of the lower jaw, rising section in its entirety or half of the maxillary bone
40%
Total loss of all the toes of one foot
25%
Total incurable insanity
Total loss of sight of both eyes
Total deafness of both ears
Total removal of the lower jaw
Total loss of one arm and one leg
Total loss of one arm and one foot
If you suffer a permanent partial disablement because of an accident within 12 months of the accident which results in one or
more of the following, we will pay the percentage of the benefit limit shown, as specified in the scale below.
The total amount payable for one or more permanent partial disablements because of the same accident is worked out by adding
together the amount payable for each permanent partial disablement, but will not exceed the amount paid to you for each unit
£50,000,
$85,000,
€75,000
paid for each unit
£25,000,
$42,500,
€37,500
paid for each unit
Upper limbs
Eligibility
• Cover under this plan is only valid if your UltraCare plan is in force
• You must be aged 18 to 74 when joining this plan
• We provide cover for managerial, clerical and administrative occupations only. If you regularly take part in any occupation, sport, pastime or other activity which puts you at greater risk of a bodily injury caused by
an accident, the planholder or your plan administrator must tell us. We will tell the planholder or plan administrator if we agree to cover you and let them know any extra premium that will apply.
Loss of one arm or one hand
100%
Extensive loss of osseous substance of the arm (definite and incurable lesion)
50%
Extensive loss of osseous substance of the two bones of the forearm (definite and incurable lesion)
40%
Total paralysis of the upper limb (incurable lesion of the nerves)
65%
Total paralysis of the axillary nerve
20%
Total paralysis of the median nerve
45%
Total paralysis of the radial nerve at the torsion cradle
40%
Total paralysis of the cubital nerve
30%
Total paralysis of the forearm radial nerve
30%
Number of units
Total paralysis of the hand radial nerve
20%
1 unit
Loss of the ungual phalanx of one thumb
10%
2 units
Total loss of one thumb
20%
3 units
Loss of the ungual phalanx of one forefinger
5%
4 units
Loss of two phalanges of one forefinger
10%
5 units
Total loss of one forefinger
15%
18
Accumulation limit
• We will not pay any compensation higher than £2,500,000, $4,250,000 or €3,750,000 for multiple members, from all sources for any one location or conveyance.
Optional personal accident add-on plan premiums
Yearly premiums
Benefit limits
Paid up to an overall limit of
£50,000, $85,000 or €75,000
for each unit
Yearly premiums
£95
$160
€142
£190
$320
€284
£285
$480
€426
£380
$640
€568
£475
$800
€710
19
Table of benefits - optional travel add-on plan
Worldwide cover
Under the terms and conditions of the plan, cover is provided for trips you make of no more than 180 days at a time during the plan year. We will pay reasonable costs up to the
limits shown for each benefit below:
Section H - Loss of money
We will pay you for theft or accidental loss of cash, traveller’s cheques, postal or money orders, owned or held by you
Section A - Medical benefits and limits
If you suffer a medical condition during a trip, we will pay for:
• In-patient, daycare and out-patient medical treatment
• accommodation and travel costs, if medically necessary to return to the country where you live because you cannot return
as originally booked
• accommodation and travel costs for an insured parent to stay with an insured child under the age of 18 because of an eligible
medical condition up to 30 days
• dental treatment for the immediate relief of dental pain*
Paid up to
£2,000,000, $3,400,000, or €3,000,000
in each plan year
*Dental treatment limited to
£1,000, $1,700, or €1,500
for each trip
Section I - Loss of passport, travel documents
We will pay you for the cost of replacing a passport or travel documents owned or held by you, if they are lost or stolen.
We will also pay you for additional accommodation and travel costs that you have to pay during your trip to replace the lost
or stolen passport
Paid up to
£3,000, $5,100, or €4,500
for each trip
Optional travel add-on plan premiums
Yearly premiums
The amount we will pay for cancellation claims is limited to the scale of cancellation charges as defined in the booking conditions
relating to your trip
Section C - Travel delays
Cash payment made to you for each full 12 hours you are delayed because of strikes, industrial action, adverse weather conditions,
mechanical breakdown, or failure of aircraft, sea vessels, train or other licensed public transport
£25.00, $42.50, or €37.50
Eligibility
• Cover under this plan is only valid if your UltraCare plan is in force
• You cannot be older than 74 when joining this plan
We will pay you or your representative for the loss of irrecoverable deposits, pre‑payments and other costs paid or contractually due
to be paid for travel or accommodation if your trip is cancelled, or curtailed as a direct result of one of the following:
• your death
• a medical condition suffered by you
• the death of or a medical condition suffered by:
- the person you are travelling with, or had arranged to travel with
- a close family member
• if you, the person you are travelling with or the person you had arranged to travel with must attend jury service or attend as a
witness under subpoena in a court of law
• compulsory quarantine restriction of you, the person you are travelling with or the person you had arranged to travel with
• a listed natural disaster or similar force majeure causes that happens after a trip is booked
Covered up to
£500, $850, or €750
for each trip
Deductibles
Standard excess for each claim
Section B - Loss of deposits, cancellations or curtailments
Covered up to
£500, $850, or €750
for each trip
Single
Couple
Family
One parent family
£115
£230
£287.50
£172.50
$195
$390
$487.50
$292.50
€172
€344
€430
€258
£50, $85, or €75
paid for each full 12 hours up to
£150, $255, €225
for each trip
Section D - Missed departures and travel disruption
We will pay you for additional accommodation and travel costs you have to pay to connect with your group or tour, or to transport
you to your final destination if you have missed your original departure because of severe weather conditions, damage to or
breakdown of the licensed public transport that you were travelling in to your point of departure
Paid up to
£1,000, $1,700, or €1,500
for each trip
Section E - Hijack
Cash payment made to you for each full 24 hours you are unable to reach your destination because your transport is hijacked
£100, $170, or €150 paid for each full 24 hours
up to £1,500, $2,550, or €2,250
for each trip
Section F - Baggage and personal effects
We will pay you for the intrinsic value of, cost of repairs to or re-issue of, whichever is less, property that is lost, damaged or
stolen which you take on a trip, you buy during a trip or you send in advance up to 24 hours before the departure date shown
on your itinerary.
We will pay up to £300, $510 or €450 for any one, pair or set of articles, including losses from vehicles hired or owned by you
if the articles were secured in a locked boot or glove compartment. The most we will pay for all cameras and photographic
equipment, telescopes and binoculars, antiques, jewellery, watches, furs and precious stones and articles made of, or containing
gold, silver or other precious metals is £300, $510 or €450 in total
Paid up to
£2,000, $3,400, or €3,000
for each trip
Section G - Delayed baggage
If your baggage is delayed or misdirected by a carrier on the outward journey for 12 or more hours from the time of your arrival,
we will pay you for the costs of essential toiletries and clothing
20
Paid up to
£100, $170, or €150
for each trip
21
Corporate or affinity
groups
All of the information given here applies to
individual and family plans. However, we
also cover corporate and affinity groups.
If you are looking to arrange cover for your
employees or members, here are some of
the extra benefits available:
• A
dditional flexibility: more areas of
cover; benefits can be changed,
added or removed
• D
ifferent members of a scheme can
be covered with different levels or
areas of cover
• M
edical History Disregarded
underwriting available for some
groups
• D
irect billing available in some
countries
Please refer to the table of benefits on
pages 6 to 9 for an idea of the levels of
cover available.
For more information on what we can
offer your group, for a quotation, or if you
are unsure of whether we will be able to
cover you, please call us or speak to your
broker or adviser.
Other products
We offer niche products for
international teachers, students
and professional yacht crews.
International
Schools plans
UltraCare
Marine
International
Students
Competitively priced plans for teachers
and staff at international schools. We offer
three levels of cover, ranging from in-patient
only through to full cover for most in- and
out-patient medical treatment.
Based on the UltraCare plan. Specialised
healthcare plans for professional yacht
crews, including cover for vessel to
shore transportation in the event of
a medical emergency.
These plans are specifically designed for
students aged between 16 and 35 who
are studying overseas.
22
Visit www.interglobalpmi.com
for more information.

UltraCare - Expatriate Insurance Services

Transcription

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