This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Expacare
This is Expacare's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Expacare — Choices Fact File 2026 — showing every published column.
From the insurer's published documents
| Choices Core Plan (Compulsory) | |||||
|---|---|---|---|---|---|
| Benefit | REFUND LEVEL | ||||
| In-patient and day-patient hospital services including diagnostics and physicians', specialists' and anaesthetists' fees. | Full refund | ||||
| Medical and Surgical Support Services | Assistance in provider location and coordination of required surgery. | ||||
| Palliative Care | Included in all benefits and limits shown on your insurance certificate. | ||||
| Congenital Cover | GBP100,000 / USD 170,000 / EUR 150,000 per lifetime | ||||
| Emergency Medical Evacuation | Full refund | ||||
| Ambulance Services | Full refund | ||||
| Organ Donor costs | GBP 30,000 / USD 51,000 / EUR 45,000 | ||||
| Rehabilitation facility as an alternative to post acute care (maximum 14 days) | Full refund | ||||
| Hospice care (maximum 6 weeks) | Full refund | ||||
| Repatriation of mortal remains or local burial costs | GBP 7,500 / USD 12,750 / EUR 11,250 | ||||
| Dental treatment following an accident (within 3 months of accident) | Full refund | ||||
| Out-patient Surgery | Full refund | ||||
| In-patient Psychiatric treatment | Up to 30 nights | ||||
| Parent Accommodation (if treatment of child under 18 requires hospitalisation) | Full refund | ||||
| Surgical/Medical prostheses and appliances | Full refund | ||||
| Mobility aids | GBP 500 / USD 850 / EUR 750 | ||||
| CT, MRI and PET scans | Full refund | ||||
| Kidney dialysis | In-patient – Full refund up to six weeksDay-patient / Out-patient – up to GBP 40,000 / USD 68,000 / EUR 60,000 | ||||
| HIV and AIDS treatment | Up to GBP 20,000 /USD 34,000 / EUR 30,000 | ||||
| Choices Core Plan (Compulsory) | |||||
| Within the Core Plan, the following are benefits where the benefit limit increases depending on the level of out-patient cover selected: | |||||
| Benefit | No Out-Patient | Basic Out-Patient | Intermediate Out-Patient | Extended Out-Patient | Advanced Out-Patient |
| Overall maximum policy limit | GBP 1,500,000 / USD 2,500,000 / EUR 2,000,000 | GBP 2,000,000 / USD 3,000,000 / EUR 2,500,000 | GBP 2,000,000 / USD 3,000,000 / EUR 2,500,000 | GBP 3,000,000 / USD 5,000,000 / EUR 4,000,000 | GBP 7,000,000 / USD 10,000,000 / EUR 8,000,000 |
| Out of geographic area cover for emergency treatment (maximum 6 weeks) | GBP 60,000 / USD 100,000 / EUR 75,000 | GBP 60,000 / USD 100,000 / EUR 75,000 | GBP 60,000 / USD 100,000 / EUR 75,000 | GBP 75,000 / USD 125,000 / EUR 100,000 | GBP 90,000 / USD 150,000 / EUR 120,000 |
| Nursing at home | GBP 2,500 / USD 4,250 / EUR 3,750 | GBP 2,500 / USD 4,250 / EUR 3,750 | GBP 2,500 / USD 4,250 / EUR 3,750 | GBP 5,000 / USD 8,500 / EUR 7,500 | Full refund |
| Post Hospital Out-patient treatment (follow up) | GBP 750 / USD 1,275 / EUR 1,125 (up to 90 days) | GBP 750 / USD 1,275 / EUR 1,125 (up to 90 days) | GBP 750 / USD 1,275 / EUR 1,125 (up to 90 days) | Full refund | Full refund |
| Organ Transplant (bone marrow, heart, kidney, liver, lung and skin) | GBP 100,000 / USD 170,000 / EUR 150,000 | GBP 100,000 / USD 170,000 / EUR 150,000 | GBP 100,000 / USD 170,000 / EUR 150,000 | GBP 150,000 / USD 255,000 / EUR 225,000 | GBP 2,000,000 / USD 3,400,000 / EUR 3,000,000 |
| Hospital cash benefit (per night, if you are treated for no charge) max 30 nights | GBP 100 / USD 170 / EUR 150 | GBP 100 / USD 170 / EUR 150 | GBP 100 / USD 170 / EUR 150 | GBP 250 / USD 425 / EUR 375 | GBP 500 / USD 850 / EUR 750 |
| Choices Option 1: Cancer Treatment and Chronic Care | |||||
| The benefit limit increases depending on which level of cover is selected. | |||||
| Note - out-patient treatment and prescriptions for chronic conditions will be subject to the out-patient benefit selected. If no out-patient benefit is selected, there is no cover for out-patient treatment and prescription drugs for chronic conditions. | |||||
| Benefit | No Cover | Restricted Cover | Full Cover | ||
| Cancer Treatment and Chronic Care | Not covered | Lifetime limit: GBP 50,000 / USD 85,000 / EUR 75,000 | Full refund | ||
| ATMPs for the treatment of cancer or chronic conditions. | Not covered | Within the cancer and chronic lifetime limit Up to one course of treatment per condition, per lifetime. | Lifetime limit. GBP 400,000 / USD 500,000 / EUR 450,000 Up to one course of treatment per condition, per lifetime. | ||
| Choices Option 2: Out-Patient Treatment | |||||
| The benefit limit increases depending on which level of cover is selected. | |||||
| Benefit | No Out-Patient | Basic Out-Patient | Intermediate Out-Patient | Extended Out-Patient | Advanced Out-Patient |
| Out-patient option limit | Not covered | Subject to aggregate limit of GBP 1,500 / USD 2,550 / EUR 2,250 | Subject to aggregate limit of GBP 3,000/USD 5,100, EUR 4,500 | Subject to overall maximum policy limit | Subject to overall maximum policy limit |
| Consultations and diagnostic services with doctors or specialists | Not covered | Within the aggregate limit | Within the aggregate limit | Full refund | Full refund |
| Out-patient psychiatric treatment | Not covered | Not covered | GBP 500 / USD 850 / EUR 750 | GBP 1,000 / USD 1,700 / EUR 1,500 | GBP 2,000 / USD 3,400 / EUR 3,000 |
| Prescription drugs (forms part of any overall out-patient limit that may apply) | Not covered | GBP 500 / USD 850 / EUR 750 | GBP 1,000 / USD1,700 / EUR 1,500 | GBP 5,000 / USD 8,500 / EUR 7,500 | Full refund |
| Vaccinations | Not covered | Within prescription benefit | Within prescription benefit | Within prescription benefit | Within prescription benefit |
| Hormone Replacement Therapy (HRT) for menopausal conditions | Not covered | Within prescription benefit | Within prescription benefit | Within prescription benefit | Within prescription benefit |
| Physiotherapy (forms part of any overall out-patient limit that may apply) | Not covered | Up to 7 sessions | Up to 20 sessions | Full refund | Full refund |
| Occupational therapy (forms part of any overall out-patient limit that may apply) | Not covered | Up to 7 sessions | Up to 7 sessions | Up to 7 sessions | Up to 14 sessions |
| Complementary Therapies (forms part of any overall out-patient limit that may apply) | Not covered | GBP 500 / USD 850 / EUR 750 | GBP 500 / USD 850 / EUR 750 | GBP 750 / USD 1,275 / EUR 1,125 | Full refund |
| Traditional Chinese Medicine and Bone-Setting | Not covered | Not covered | Not covered | GBP 750 / USD 1,275 / EUR 1,125 | GBP 1,500 / USD 2,550 / EUR 2,250 |
| Developmental Disorders (maximum 3 visits) (forms part of any overall out-patient limit that may apply) | Not covered | Not covered | GBP 200 / USD 340 / EUR 300 | GBP 200 / USD 340 / EUR 300 | GBP 200 / USD 340 / EUR 300 |
| Rehabilitation for alcohol and drug addiction (lifetime limit)In-patient treatment is also covered under this benefit. A 1 year waiting period applies. | Not covered | Not covered | Not covered | Not covered | GBP 10,000 / USD 17,000 / EUR 15,000 |
| Choices Option 3: Additional Benefits | |||||
| Dental, Wellness and Optical | |||||
| Benefit | No cover | Dental & Wellness | Dental, Wellness & Optical | ||
| Dental Treatment (20% co-pay applies) | Not covered | GBP 750 / USD 1,275 / EUR 1,125 | GBP 1,500 / USD 2,550 / EUR 2,250 | ||
| Wellness Benefit (1 year waiting period, only available to insured members over the age of 18) | Not covered | GBP 500 / USD 850 / EUR 750 for one medical examination per certificate period. | GBP 750 / USD 1,275 / EUR 1,125 for one medical examination per certificate period. | ||
| Optical | Not covered | Not covered | Full refund for one eye examination per certificate period. Prescription glasses / contact lenses subject to a limit of GBP 120 / USD 204 / EUR 180 per certificate period. | ||
| Maternity Treatment | |||||
| Notes: There is an option available to groups which are already insured to waive the waiting period on maternity cover and wellness. Please ask for further details. | |||||
| Benefit | Maternity Basic (Where Maternity Level 1 or Maternity Level 2 have not been selected) | Maternity Level 1 | Maternity Level 2 | ||
| Routine Maternity Care (a 10 month waiting period applies) | Not covered | GBP 6,500 / USD 11,050 / EUR 9,750 | GBP 15,000 / USD 25,500 / EUR 22,500 | ||
| Maternity Care with complications (a 10 month waiting period applies) | Not covered | GBP 13,000 / USD 22,100 / EUR 19,500 | GBP 40,000 / USD 68,000 / EUR 60,000 | ||
| Maternity Care (emergency surgery) (a 10 month waiting period applies) | Up to GBP 10,000 / USD 17,000 / EUR 15,000 | Full refund | Full refund | ||
| Newborn Care (within the first 60 days of life) | Not covered | GBP 70,000 / USD 119,000 / EUR 105,000 | GBP 90,000 / USD 153,000 / EUR 135,000 | ||
| IVF (In vitro fertilisation) (50% co-pay and 2 year waiting period applies) | Not covered | Not covered | Up to GBP 2,500 / USD 4,250 / EUR 3,750 per cycle, 3 cycles per lifetime. | ||