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International Health Insurance > InterGlobal Limited > UltraCare

Global Medical Insurance

UltraCare Comprehensive Benefit Schedule


UltraCare Comprehensive Plan
Table of Benefits
 £ GB Pounds $ US Dollars € Euros
If during the period of insurance, an insured person incurs accident, injury, illness, sickness or disease, we will pay necessary, customary and reasonable expenses up to an overall maximum, per insured person, per insurance period of:-
£1,000,000
$1,700,000
€1,500,000
Medical Treatment: In-Patient and Daycare
Accidents and emergencies, intensive care and theatre costs
Covered
in Full
Covered
in Full
Covered
in Full
Hospital accommodation
Nursing fees, medical expenses and ancillary charges
Surgeons', anaesthetists', physicians' fees
Prescribed medicines and drugs
Reconstructive Surgery following an accident or following surgery for an eligible medical condition
Prostheses artificial body parts designed to form permanent parts of a persons body
MRI and CT scans
X-rays, pathology, diagnostic tests and procedures
Oncology tests, drugs and consultants' fees including cover for chemotherapy and radiotherapy
Physiotherapy
Parent accommodation with an insured child under 18 in hospital
Post hospitalisation treatment received within 90 days of being discharged from hospital
Psychiatric treatment up to 30 days available after 12 months continuous cover under the plan Not Covered Not Covered Not Covered
 
Medical Treatment: Out-Patient
 £ GB Pounds $ US Dollars € Euros
Primary consultations and treatment family doctors', general medical practitioners' (GPs') fees, prescribed medicines, drugs and dressings Covered
up to £5,000		 Covered
up to $8,500		 Covered
up to €7,500
X-rays, pathology, diagnostic tests and procedures
Specialists' and consultants' fees for consultations
Physiotherapy
Psychiatric treatment available after 12 months continuous cover under the plan
Complementary medicine and treatment by chiropractors, osteopaths, homeopaths, acupuncturists, when referred by a doctor, general medical practitioner (GP)
Oncology tests, drugs and consultants' fees including cover for chemotherapy and radiotherapy Covered
in Full 		Covered
in Full 		Covered
in Full
MRI & CT scans
Out-patient surgical operations
Wellness benefits medical checkup / cervical smear / mammogram / prostrate cancer test. Limited to once yearly. Available after 12 months continuous cover under the plan Covered
up to £150		 Covered
up to $255		 Covered
up to €225
Dental Treatment: In-Patient and Daycare
 £ GB Pounds $ US Dollars € Euros
Accidental damage to natural teeth treatment as an in-patient or daycare patient Covered
in Full 		Covered
in Full 		Covered
in Full
Dental Treatment: Out-Patient
 £ GB Pounds $ US Dollars € Euros
Emergency treatment for the immediate relief of dental pain (treatment as an out-patient)
Covered
up to £500
Covered
up to $850
Covered
up to € 750
Routine treatment for the restoration of natural teeth including x-rays, fillings, extractions, root-canal treatment, gum treatment (treatment as an out-patient) Not Covered Not Covered Not Covered
Other Benefits
£ GB Pounds $ US Dollars € Euros
Emergency local ambulance services Covered
in Full 		Covered
in Full 		Covered
in Full
Chronic Conditions maintenance: palliative treatment and prescribed medication Covered
up to £500 		Covered
up to $850		 Covered
up to € 750
Organ transplant cost of the surgical procedures in performing an organ transplant of either; kidney, liver, heart, lung or heart and lung, in respect of the insured person as recipient and not the organ donor Covered
up to £200,000		 Covered
up to $340,000		 Covered
up to € 300,000
Nursing at home primary care services of a registered nurse in the insured person's home immediately after, or instead of, in-patient or daycare treatment. Covered
up to £2,500		 Covered
up to $4,250		 Covered
up to € 3,750
Compassionate emergency home visit costs incurred by an insured person for an economy class return airfare to travel to and from an insured person's home country in the event of an accident, injury, illness, sickness or disease of a close family member, up to the attained age of 75 years, resulting in that close family member being placed on a critical list, or death of a close family member. Limited to one trip per insured person, per year Covered
up to £2,500		 Covered
up to $4,250		 Covered
up to € 3,750
Hospital cash benefit cash payment payable for each night where treatment is received by an insured person as a non-paying patient (maximum 60 nights) £250
per night		 $425
per night 		€ 375
per night
Legal expenses costs and expenses incurred by an insured person with our prior written consent in pursuit of a claim against a third party who has caused bodily injury to, or the death of, an insured person Covered
up to £7,500		 Covered
up to $12,750		 Covered
up to € 11,250
Emergency evacuation and repatriation comprising pre-authorised travel and accommodation including the return journey, of an insured person to the nearest centre where adequate medical facilities are available, or to the insured person's permanent residence, or to the insured person's home country, including pre-authorised costs of a close business colleague, or the insured person's dependants, or in the case of the insured person being a dependant, a parent or other close family member, having to accompany the insured person. Payment of this benefit, including surgical, medical and/or hospital services incurred, will be subject to the insured person suffering from a medical condition; (a) that necessitates the insured person being placed on a critical list, or, (b) for which, in the considered opinion of the International Helplines' medical specialist, adequate treatment is not available in the country where such treatment is required and/or recovery would be substantially expedited thereby Covered
in Full 		Covered
in Full 		Covered
in Full
Repatriation, burial or cremation of mortal remains in the event of death, the costs of air transportation of the body, mortal remains or the ashes of an insured person, from the place of death to the home country, or the preparation and local burial or cremation of the mortal remains of the insured person, who dies outside of their home country Covered
in Full		 Covered
in Full		 Covered
in Full
Emergency medical treatment cover outside of geographic area 45 Days Covered
up to £30,000		 45 Days Covered
up to $51,000		 45 Days Covered
up to €45,000
Key
Covered in full after excess £25/$42.50/€37.50 per course of treatment claimed
  Covered up to the amounts shown after excess of £25/$42.50/€37.50 per course of treatment claimed
*Complementary medicine and treatment, and Physiotherapy are covered up to a maximum sub-limit of £500/$850/€750 per insured person, per plan yearon the Comprehensive Plan  
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