BPL Medical Insurance for Expatriates

Transcription

1 Medical Insurance for Expatriates

2 If you are looking for international medical insurance, the chances are we have the cover you need +44 (0)

3 Affordable Medical Insurance for global expatriates Finding good quality, affordable health insurance can be difficult at the best of times so whether you are looking for just basic in-patient cover or something more comprehensive, our range of plans offers you a choice: Comprehensive, affordable medical insurance designed for expatriates Choose from three levels of cover Bronze, Silver or Gold Emergency medical evacuation included as standard Hazardous sports cover available $1,000,000 to $5,000,000 annual cover flexible medical insurance Whichever plan you choose, we'll guide you through the process of finding the right specialist and the very best medical facilities available, no matter where in the world you may be living or travelling: BRONZE PLAN - includes hospital accommodation and treatment, out-patient treatment, emergency medical evacuation costs and out of area cover SILVER PLAN - in addition to the benefits provided by the Bronze Plan, the Silver Plan includes osteopathy, acupuncture, homeopathy & psychiatric treatment GOLD PLAN - the most comprehensive plan offering all the benefits provided under the Silver Plan plus routine maternity care and compassionate travel

4 expatmedex Summary of Benefits B R O N Z E S I L V E R G O L D Overall annual maximum $1,000,000 $3,000,000 $5,000,000 Annual deductible $100 $100 $100 INPATIENT TREATM ENT / DAYPATIENT TREATMENT / HOSPITALISATION Standard private or semi-private room accommodation, nursing, operating theatre fees, intensive care unit, in-patient or day-patient surgery, surgeons fees, anesthetists fees, consultants fees, physician fees, diagnostic procedures (including x-rays) pathology, MRI, PET & CT Scan. 100% (up to 240 nights) 100% (up to 24o nights) 100% Prescribed medication 100% 100% 100% Cancer care including chemotherapy and radiotherapy 100% 100% 100% Public hospital daily indemnity benefit $50 (max $1,000) $50 (max $1,000) $100 (max $1,000) Organ transplant Not covered Not covered $500,000 Premature babies Not covered Not covered $15,000 (lifetime maximum for first 31 days after each birth) Psychiatric treatment (12 months waiting period) Not covered $5,000 (lifetime maximum of $20,000) $10,000 (lifetime maximum of $30,000) *Standard annual deductible does not apply to public hospital indemnity benefit Hospital accommodation for an accompanying adult or child Rehabilitation Nursing at home or hospice care Medic al treatment for a new born baby that requires hospital accommodation, regular monitoring, treatment or surgical intervention unless the baby has been added to the policy within 31 days of birth OUTPATIENT TREATM ENT * Bronze Plan Maximum of 15 consultations each insured person for each coverage period *Silver Plan Maximum of 20 consultations each insured person for each coverage period *Gold Plan Maximum of 30 consultations each insured person for each coverage period The services of a physician, specialist or consultant, physiotherapist or chiropractor Surgical intervention, each consultation $75* $75* 100%* $500 per consultation (maximum of 3 consultations per period of insurance)* $500 per consultation (maximum of 3 consultations per period of insurance)* Psychiatrist, each consultation Not covered $60 per consultation* 100%* Alternative medical benefits (osteopathy, acupuncture & homeopathy), each consultation 100% Not covered $75 per consultation* $75 per consultation* Prescription medication related to a covered condition 100% 100% 100% X-rays, Pathology, diagnostic tests and procedures, MRI, PET & CT scans, endoscopy (gastroscopy, colonoscopy, cystoscopy) Laboratory tests, each consultation $600 $600 $1,000

5 B R O N Z E S I L V E R G O L D Overall annual maximum $1,000,000 $3,000,000 $5,000,000 Annual deductible $100 $100 $100 Emergency outpatient treatment $1,000,000 (lifetime maximum) $1,000,000 (lifetime maximum) $1,000,000 (lifetime maximum) Any costs incurred within the initial 12 months of cover relating to treatment of a mental illness, psychiatric and psychological disorder Hormone replacement therapy WELLNESS B ENEFITS, OPTICAL & AUDIOLOGY BENEFITS Adult wellness health check : check-ups and routine examinations (12 month waiting period applies) over age 18 Well child care: check-ups, routine visits and vaccinations (12 month waiting period applies) up to age 18. Not covered Not covered $175 $20 per visit (maximum of 3 visits per period of insurance) $35 per visit (maximum of 3 visits per period of insurance) $200 per visit (maximum of 3 visits per period of insurance) Eye sight test, one each year (12 month waiting period applies) Not covered Not covered 100% *Standard policy period deductible does not apply to wellness benefits Any costs incurred within the initial 12 months of cover DENTAL BENEFITS Emergency dental treatment following an accident $ % 100% Emergency dental treatment caused by eating or drinking, normal wear and tear, tooth brushing or any other oral hygiene procedure Restorative or remedial work; the use of any precious metals; orthodontics of any kind; or dental surgery performed in a hospital, unless dental surgery is the only treatment available to alleviate the pain Gingivitis, periodontitis or gum disease of any kind Precious metals in any dental procedure SUPPLEMENTARY DENTAL B ENEFITS (ava il able a t a n a d di t io na l pr em iu m) * Overall combined maximum limit $1,000 Class I covers the cost of diagnostic, general and preventative treatment. Class II covers the costs of restorative (basic), endodontics, prosthodontics removable (maintenance), prosthodontics fixed bridge (maintenance) oral surgery Class III covers the costs of orthodontic treatment (3 month waiting period. 100% 100% 100% 80% 80% 80% 50% of costs ($1,000 lifetime maximum) 50% of costs ($1,000 lifetime maximum) 50% of costs ($1,000 lifetime maximum) *Standard policy period deductible does not apply to supplementary dental benefits. However, individuals are subject to a $50 deductible and families subject to a $150 deductible. Orthodontic treatment is not subject to any deductible Gingivitis, periodontitis or gum disease of any kind Precious metals in any dental procedure Dental surgery performed in a hospital, unless dental surgery is the only treatment available to alleviate the pain Orthodontic treatment received within the initial 3 months of cover

6 B R O N Z E S I L V E R G O L D Overall annual maximum $1,000,000 $3,000,000 $5,000,000 Annual deductible $100 $100 $100 MATERNITY B ENEFITS Routine pregnancy and childbirth (12 month waiting period) Not covered Not covered $7,500 each pregnancy Complications of pregnancy and childbirth (12 month waiting period) Contribution towards the initial pediatric check-up for the new born Not covered Not covered $15,000 Not covered $100 $300 Cost incurred within the initial 12 months of cover Termination of pregnancy on non-medical grounds Ante-natal classes and midwifery that is not directly associated with the childbirth Costs relating o a birth defect, congenital illness or abnormality Complications which may arise during, or as a result of a planned home birth delivery Medical treatment for a newborn unless the new-born is enrolled on the mother s policy within 31 days of birth EVACUATION, TRAVEL & TRANSPORTATION BENEFITS Emergency medical evacuation 100% 100% 100% Medical escort to accompany insured person 100% 100% 100% Reasonable travelling costs of a friend or close relative to accompany insured person Overnight accommodation costs for friend or close relative up to maximum of 10 nights Medical referral assistance including replacing essential prescription drugs Return economy class ticket for adult to take care of any children at home of insured person Return economy class ticket for close friend or relative to travel to the location of insured person 100% 100% 100% $180 $270 $ % 100% 100% 100% 100% 100% 100% 100% 100% Emergency medical treatment while travelling outside your geographical area of cover 30 days 30 days 30 days Evacuation, travel and accommodation costs unless specifically agreed by us and confirmed in writing prior to the date of travel The transfer of a pregnant woman to hospital for routine childbirth, unless it is necessary due to medical complications Any costs for either non-emergency medical treatment outside of your chosen area of cover or where the total number of days travelling in each period of insurance exceeds 30 days LOCAL BUR IAL or RETURN OF M OR TAL REMAINS Transportation of the deceased s mortal remains to their home country OR 100% 100% 100% Contribution to the cost of the coffin OR $540 $630 $720 Cremation costs in the country where death occurred and transportation of the urn to the deceased s country or residence of home country OR Local burial in the country where death occurred (other than home country) Compassionate return economy ticket and accommodation for up t 10 nights to visit their home country where a close relative (under the age of 75) of the insured has either died or is in a life-threatening condition $540 $720 $900 $1,800 $2,700 $3,600 N ot covered Not covered 100%

7 B R O N Z E S I L V E R G O L D Overall annual maximum $1,000,000 $3,000,000 $5,000,000 Annual deductible $100 $100 $100 Cost of a religious practitioner, floral tributes, musical provision, hire of funeral vehicles or food and beverages Costs incurred for transportation, cremation or local burial or mortal remains where death has occurred directly or indirectly as a result of a medical condition, treatment or accident, not covered under this policy HAZARDOUS SPORTS COVER (ava il able a t a n addit iona l p rem i um) Cover provided for participation in non-professional, nonsanctioned, recreational sports and activities at amateur level only, including but not limited to; motorcycle and motor scooter riding, mountaineering (to a 4,500-meter limit), hang gliding, parachuting, bungee jumping, water skiing, snowmobiling and snowboarding $20,000 (lifetime maximum) $20,000 (lifetime maximum) $20,000 (lifetime maximum) Any sport or activity not listed in the policy wording Racing of any kind The schedule of benefits is a brief outline of the plan benefits. All are subject to the definitions, conditions, limitations, exclusions and provisions of the plan. A copy of the policy wording is available at

8 To find out more, please call our specialist team of advisers on + 44 (0)

9 Annual Premiums US$ BRONZE PLAN Age Area 1 Area 2 Area 3 0 to 19 $608 $699 $1, to 24 $787 $874 $1, to 29 $966 $1,049 $1, to 34 $1,001 $1,166 $2, to 39 $1,132 $1,281 $2, to 44 $1,352 $1,511 $2, to 49 $1,552 $1,694 $3, to 54 $1,790 $1,914 $3, to 59 $2,143 $2,351 $3, to 64 $2,781 $3,050 $4, to 69 $3,675 $4,030 $6,122 SILVER PLAN Age Area 1 Area 2 Area 3 0 to 19 $803 $857 $1, to 24 $976 $1,024 $2, to 29 $1,148 $1,190 $2, to 34 $1,283 $1,332 $2, to 39 $1,419 $1,473 $2, to 44 $1,647 $1,718 $3, to 49 $1,793 $1,906 $4, to 54 $1,906 $2,098 $4, to 59 $2,376 $2,617 $4, to 64 $3,082 $3,396 $5, to 69 $4,073 $4,488 $7,861 GOLD PLAN Age Area 1 Area 2 Area 3 0 to 19 $1,127 $1,170 $2, to 24 $1,405 $1,459 $3, to 29 $1,682 $1,748 $3, to 34 $1,902 $1,981 $4, to 39 $2,123 $2,214 $4, to 44 $2,588 $2,651 $5, to 49 $2,742 $2,800 $6, to 54 $2,863 $2,908 $6, to 59 $3,487 $3,674 $7, to 64 $4,524 $4,767 $9, to 69 $5,979 $6,299 $12,085 Optional Dental Plan : US$ 401 per person per year Optional Hazardous Sports Cover: subject to an additional 15% surcharge on the above premiums All premiums are subject to change and are for guidance only All premiums exclude local taxes which will be added at the prevailing rate

10 expatmedex Choose your area of cover The area of cover that you choose will determine the premium that will apply to your policy and where you have three areas of cover to choose from: AREA 1 (EUROPE) comprises the following countries: Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Greenland, Hungary, Iceland, Ireland, all islands of the Mediterranean, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Urals), Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, Vatican State. AREA 2 (WORLDWIDE EXCLUDING USA, CANADA & CARIBBEAN) comprises all countries worldwide with the exception of the following: United States of America, Canada, Anguilla, Antigua & Barbuda, Aruba, Bahamas, Barbados, Bermuda, Cayman Islands, Cuba, Curacao, Dominica, Dominican Republic, Dutch Antilles (including St. Marten), Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Puerto Rico, St. Kitts-Nevis, St. Lucia, St. Vincent, Trinidad & Tobago, Virgin Islands and any other Caribbean Islands not listed. AREA 3 (WORLDWIDE) comprises all countries worldwide. How to apply for cover When you have decided what cover is suitable for you, all you need to do is complete an application form. The form can be downloaded from and forwarded to us either by , fax or post along with your payment instructions. We ask you to give only basic information about yourself and any members of your family you wish to insure; we will not ask you to give details of your medical history. Your new policy will not cover treatment for any medical condition which existed prior to the start of cover. This relates not only to those conditions for which you had already received a firm diagnosis but also to treatment of any medical condition for which you actually had symptoms, even though no diagnosis had been attached to those symptoms. All that matters is that you know, or ought reasonably to have known, that something was wrong even if you had not consulted a doctor. However, after a two-year period of continuous cover has elapsed, cover may be available for those pre-existing medical conditions which were excluded at the start of your new policy. This will be subject to the written agreement of the plan underwriter and on the basis that you have not had any medical treatment or any medical advice, or taken any drugs or medicine, or followed any special diets. Over 60 If you are over 60, you will be asked to complete in a simple health questionnaire. Contact us today and we will guide you through the process of applying for cover.

11 expatmedex What isn t covered Whilst the cover benefits provided under each plan are extensive, there are a few items that are not covered: Pre-existing medical conditions Treatment that is not medically necessary Experimental treatment Injury sustained whilst participating in organized, professional and/or amateur sports Adult vaccinations and inoculations Cosmetic surgery Treatment, purchase and fitting of false teeth Injury sustained whilst under the influence of alcohol or drugs Congenital abnormalities Self inflicted injuries Sexually transmitted diseases Treatment of AIDS Treatment of chronic fatigue syndrome Occupational diseases Services of a convalescent home, a hospice or health care at home For a full list of the policy exclusions, please refer to the plan policy wording.

12 expatmedex About Bellwood Prestbury Bellwood Prestbury are a leading global insurance specialist who work with the leading international medical insurance companies and providers worldwide. We are authorised and regulated by the Financial Conduct Authority (FCA) the regulatory body overseeing UK financial services firms. Bellwood Prestbury are also a member of British Expertise, the leading UK organisation for British companies offering professional services internationally, and members of other specialist industry bodies and accredited by the British Assessment Bureau to ISO If you would like to know more about our range of services and how we may be able to help you, please contact our specialist team of advisers on +44(0) or us at info@bellwoodprestbury.com. About the insurer ExpatMedex is insured and underwritten by Astrenska Insurance Limited of PO Box 637, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1WR, United Kingdom. Intana is appointed by Astrenska Insurance Limited to provide policy administration, claims management, evacuation and assistance services to this policy. Bellwood Prestbury is the trading style of Bellwood Prestbury Limited registered in England and Wales as company number Registered Office: 4 Imperial Square, Cheltenham, GL50 1QB. Bellwood Prestbury Limited is authorised and regulated in the United Kingdom by the Financial Conduct Authority.