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 Healthcare International
This is Healthcare International'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: HealthCare International — Nimbl Health Policy Wording, March 2026 — showing every published column.
From the insurer's published documents
| Core Benefits | ||||
|---|---|---|---|---|
| These benefits are included in all plans as standard | ||||
| The Core Benefit Cap is the combined maximum We will pay in any Period of Insurance per Insured Person, including Policies which have Optional Additional Benefits included. | ||||
| Please refer to Your Certificate of Insurance to confirm which Core Benefit Cap You have chosen; the cap is a combined total that applies to the benefits shown here, which are included as standard in Your Policy. You choose the overall cap that best suits Your needs. Amounts are shown in USD, EUR and GBP. | ||||
| Benefit | ||||
| In-Patient Treatment | Included with all plans | |||
| Emergency Dental Cover up to $/€/£10,000 | Included with all plans | |||
| Cancer Treatment | Included with all plans | |||
| Core Benefits | ||||
| Core Benefit Cap | ||||
| Benefit | Option 1 | Option 2 | Option 3 | Option 4 |
| Core Benefit Cap | $/€/£250,000 | $/€/£1,000,000 | $/€/£2,000,000 | $/€/£3,000,000 |
| Optional Additional Benefits | ||||
| Out-Patient Cover | ||||
| These are modular benefits that can be added to Your Policy | ||||
| Please refer to Your Certificate of Insurance to confirm which Optional Additional Benefits, if any, You have chosen. | ||||
| Amounts are shown in USD, EUR and GBP and represent the relevant Optional Additional Benefit Caps. | ||||
| Where benefits are shown, We have made clear whether they are Core Benefits (included as standard) or Optional Additional Benefits; the latter, if you choose to add them, will be subject to the selected limit. | ||||
| Optional Additional Benefit Caps, including ‘full refund’ where selected for Out-Patient Cover, are still subject to Your selected Core Benefit Cap. | ||||
| Maternity Cover is available to Group Schemes only. | ||||
| All Group Schemes include $/€/£5,000 Maternity Cover as standard, but this may be removed and a discount applied upon request at the application stage. You may also request to add higher levels of cover. Please refer to Your Certificate of Insurance to confirm whether You have Maternity Cover included on Your Policy, and if so, what Optional Additional Benefit Cap has been selected. | ||||
| Benefit | Default option | Option 1 | Option 2 | Option 3 |
| Out-Patient CoverDeductible applies: Yes | None | $/€/£2,500 | $/€/£7,500 | Full refund |
| Routine Dental Cover | ||||
| Benefit | Default option | Option 1 | Option 2 | Option 3 |
| Routine Dental CoverDeductible applies: No | None | $/€/£1,000 | $/€/£2,000 | $/€/£3,000 |
| Maternity Cover (Group Schemes only) | ||||
| Benefit | ||||
| Maternity Cover (Group Schemes only)Deductible applies: No | Default option: $/€/£5,000Option 1: NoneOption 2: $/€/£10,000Option 3: $/€/£15,000 | |||
| Assistance & Evacuation | ||||
| Benefit | Default option | Option 1 | ||
| Assistance & EvacuationDeductible applies: No | None | Full refund | ||
| Summary of benefit structure | ||||
| An explanation of how Your Policy will work, based on Your choices | ||||
| All benefits, including Optional Additional Benefits, are subject to a combined overall limit which is Your selected Core Benefit Cap | ||||
| We will pay for Insured Events under one of the Types of Benefit listed here. As this table illustrates, not all benefits are included as standard with Your Policy. Some benefits, regardless of their type, will be subject to specific sub-limits. In this document, We have labelled each benefit to make these details clear. | ||||
| Each Optional Additional Benefit may be added in isolation. If selected, each Optional Additional Benefit will be subject to its own limit, chosen by You. | ||||
| Quotes for Group Schemes will include $/€/£5,000 Maternity Cover as standard, which may be removed if not required; upgrades may also be requested. | ||||
| Benefit | Limits | |||
| In-Patient CoverStatus: Included in all plans | Subject to selected Core Benefit Cap | |||
| Cancer CoverStatus: Included in all plans | Subject to selected Core Benefit Cap | |||
| Emergency Dental CoverStatus: Included in all plans | Subject to selected Core Benefit Cap | |||
| Routine Dental CoverStatus: Optional benefit that can be added | Subject to the selected Optional Additional Benefit Cap | |||
| Out-Patient CoverStatus: Optional benefit that can be added | Subject to the selected Optional Additional Benefit Cap (or Core Benefit Cap if ‘full refund’ is Your chosen option) | |||
| Maternity CoverStatus: Optional benefit on Group Schemes only | Subject to selected Optional Additional Benefit Cap | |||
| Assistance & EvacuationStatus: Optional benefit that can be added | Subject to selected Core Benefit Cap | |||
| Policy Benefits | ||||
| What We will pay and the limits that apply. The limits apply per Insured Person, per Period of Insurance. | ||||
| All benefits, including Optional Additional Benefits, are subject to a combined overall limit which is Your selected Core Benefit Cap | ||||
| Benefit | Limit | |||
| Accommodation, operating theatre, and recovery room costsDescription: We will pay for: • The use of an operating theatre • Charges for Your Hospital accommodation, including all Your meals and refreshments • Accommodation in a room that is no more expensive than the Hospital's standard single room with a private bathroom • The length of stay that is medically appropriate for the procedure that You are admitted for We will pay for intensive care in an intensive care unit or intensive therapy unit, high dependency, or coronary care unit (or their equivalents) when: • It is an essential part of Your Treatment and is required routinely by patients undergoing the same type of Treatment as Yours; or • It is medically necessary in the event of an unexpected circumstances. This benefit covers Treatment as an In-Patient for all conditions, subject to the general exclusions applicable to this Policy and any explicit limitations stated among the benefits for specific types of conditions and Treatment. This benefit includes cover for Acute Conditions, including those arising from Chronic Conditions.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| NursingDescription: We will pay for nursing services during In-Patient and Day-Patient care.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Prescription Drugs and MedicinesDescription: We will pay for Prescription Drugs and Medicines and surgical dressings you need as part of your Treatment in Hospital. We will also pay for Prescription Drugs and Medicines which are prescribed to You upon discharge as an In-Patient.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Physician, specialist, surgeon and anaesthetist feesDescription: We will pay Physicians’, surgeons’, and anaesthetists' fees for a surgical operation, including all pre- and post-operative care.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Medical second opinionDescription: We will pay for the evaluation of Your medical history, Your diagnosis, and Your treatment plan by a medical specialist authorised by Us.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Hospital Cash BenefitDescription: We will pay a cash benefit for the maximum number of days shown in any one Period of Insurance to an Insured Person for each 24 hours that they elect to be treated in a public Hospital, or charitable Hospital, and for which there is no charge made to Us for Treatment or accommodation.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Deductible does not apply to this benefit | $/€/£250 per day up to 45 days, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Eye surgeryDescription: We will pay for necessary eye surgery to repair damage to the eye caused as the result of an Accident, Bodily Injury or Illness.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Diagnostic TestsDescription: We will pay for the following medically necessary tests when they are performed while you are receiving Hospital In-Patient or Day-Patient Treatment: • MRI, CT, and PET scans • X-rays • Laboratory tests • Other medically necessary diagnostic tests If there is no medical necessity to perform such tests under In-Patient or Day-Patient care, they are not covered by this benefit.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Parent & child accommodationDescription: We will pay for accommodation in a Hospital when it is necessary for a parent to accompany an Insured Person, being a child under the age of 16 who has been admitted into Hospital as an In-Patient, up to the maximum number of days shown. Where Hospital accommodation is not available, We will pay for alternative accommodation. We will also pay for the Hospital accommodation costs of a new born child when the parent requires Treatment as an In-Patient following birth.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Deductible does not apply to this benefit | $/€/£150 per day up to 45 days, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Day-Patient TreatmentDescription: We will pay for all Hospital charges including accommodation, diagnostic, tests, Prescription Drugs and Medicines, and the surgeon and Physician fees while You are a Day-Patient.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Renal dialysisDescription: We will pay for renal dialysis Treatment in any clinical setting, as directed by Your Physician, including all associated clinical costs.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs up to $/€/£80,000, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Hospice or Terminal CareDescription: We will pay for Treatment following the diagnosis that Your condition is terminal or when Treatment can no longer be expected to cure Your condition. We will pay for Your physical, psychological, social and spiritual care as well as Hospital or hospice accommodation, nursing care and Prescription Drugs and Medicines. We will pay for Treatment in an In-Patient, Day-Patient and Out-Patient setting as well as care in Your home.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs up to a Lifetime Limit of $/€/£200,000 | |||
| Rehabilitation following In-Patient TreatmentDescription: We will pay for Rehabilitation as long as the Rehabilitation commences within 30 days of, and is related to, In-Patient Treatment covered by this Policy.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs up to 60 days, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Elective Home Country TreatmentDescription: We will pay for an Insured Person to be treated in their Home Country when: • The Insured Person has obtained prior authorisation from Us; and • The Treatment costs do not exceed those of the Country of Residence; and • The Insured Person has selected the Area of Cover that includes the Home Country We do not provide cover for transport or personal accommodation costs.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Medical Treatment Outside Your Area of CoverDescription: When an Insured Person is outside the Area of Cover We will pay for Hospital Treatment for them due to an Accident, Bodily Injury, Illness, or Acute Condition where the condition first manifested itself outside their Country of Residence.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | Up to 60 days per Period of Insurance, and subject to Your selected Core Benefit Cap shown on Your Certificate of InsuranceWhen in the USA this benefit is capped at $/€/£60,000 | |||
| Road ambulance transportDescription: We will pay for medically necessary travel by local road ambulance when related to eligible In-Patient or Day-Patient Treatment.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Emergency careDescription: We will pay for Treatment received in an emergency room or urgent care setting, including any medication and dressings prescribed which directly relate to the Insured Event requiring care.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Cancer TreatmentDescription: We will pay for Cancer Treatment from the date an Insured Person is diagnosed as suffering from Cancer. We will pay for chemotherapy, radiotherapy, oncology, diagnostic tests, and Prescription Drugs and Medicines, whether In-Patient, Day-Patient or Out-Patient.Type of Benefit: Cancer CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Treatment for Dental EmergencyDescription: We will pay for necessary Treatment as a result of an extra-oral impact, if Treatment is received within 48 hours from the date of the Bodily Injury or Accident, and is for the immediate relief of pain.Type of Benefit: Emergency Dental CoverCategory of benefit: Core BenefitDeductible: Your Core Benefit Deductible applies to this benefit | 100% of costs up to $/€/£10,000 and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Organ TransplantDescription: We will pay for Organ Transplant surgical Treatment and pre-operative assessments as an In-Patient or Day-Patient that You need because of an eligible condition. We will pay Hospital and Physician charges for Medical Treatment necessary to complete the transplant of bone, bone marrow, cornea, eyes, kidneys, heart, lungs, liver, muscles, pancreas, eyes, and the fitting and renewal of pace-makers and their power source only.Type of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs, up to a Lifetime Limit of $/€/£250,000 | |||
| Pre and Post HospitalisationDescription: We will pay for Eligible expenses incurred within 30 days prior to a hospital admission, or up to 30 days after the hospital discharge date • Expenses must be directly related to the diagnosis that leads to hospitalisation • The hospitalisation itself must be accepted as an eligible claim by Us • Services must be prescribed or recommended by a registered medical practitioner • Benefit applies where there is an eligible inpatient or daypatient hospital admission • Any relevant policy Deductible or co-pay is applicableType of Benefit: In-Patient CoverCategory of benefit: Core BenefitDeductible: Your selected Core Benefit Deductible applies to this benefit | 100% of costs up to $/€/£500 per policy year | |||
| Alternative medicineDescription: We will pay for Treatment received from a qualified chiropractor, homeopath, osteopath, acupuncturist or Chinese medicine practitioner.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to $/€/£400 and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Physician and paramedic feesDescription: We will pay for consultations with a medical practitioner, Physician, or specialist. This includes regular appointments that may be required for the management of Chronic Conditions.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| DiagnosticsDescription: We will pay for: • MRI, CT, and PET scans • X-rays • Laboratory tests • Other medically necessary diagnostic testsType of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| PhysiotherapyDescription: We will pay for Physiotherapy performed by a qualified physiotherapist, when such Treatment has been recommended by a Physician. The benefit is limited to 12 sessions per condition.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up $/€/£1,000 and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurancethis cap may not always be reached if Your cap exceeds the benefit limit. | |||
| Hormone replacement therapyDescription: We will pay for hormone replacement therapy where it is recommended by Your Physician for the management of relevant symptoms. This benefit does not offer cover for any hormonal Treatment directly or indirectly related to gender dysphoria.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Prescription Drugs and MedicinesDescription: We will pay for medication prescribed by a Physician and which would not be available without a prescription. This covers regular medication needed for the ongoing management of Chronic Conditions, including HIV/AIDS.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of InsuranceA 60 day supply of a prescription may be filled at one time | |||
| Annual Health ChecksDescription: We will pay for tests/screening that are undertaken without any clinical symptoms being present. Tests include the following examinations, at an appropriate age, for the early detection of Illness or disease: • Vital Signs (blood pressure, cholesterol, pulse, respiration, temperature etc) • Cardiovascular exam • Neurological exam • Blood testsType of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to $/€/£750, and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of InsuranceA 6 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Out-Patient Cover is added at that stagecover must be continuous during this waiting period | |||
| VaccinationsDescription: We will pay for medically necessary vaccinations which are recommended by public health authorities in the Country of Residence. We will not pay for elective inoculations required for travel.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Wellbeing testsDescription: We will pay for routine gynaecological tests, mammograms, and prostate exams, and other routine Cancer screening tests.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to $/€/£450, and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Home nursingDescription: We will pay for home nursing after eligible In-Patient Treatment, if it meets the following conditions: • It is needed to provide medical care, not personal assistance; and • It is necessary, meaning that without it You would have to stay in Hospital; and • It starts immediately after You leave Hospital; and • It is provided by a qualified nurse in Your home; and • It is prescribed by Your PhysicianType of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to 60 days, and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Prescribed medical aidsDescription: We will pay for medically necessary prosthetic appliances prescribed by a Physician or surgeon, such as: • Orthopaedic braces, hearing aids and artificial devices replacing body parts • Other durable equipment (including crutches and wheelchairs) customarily and generally useful to a person only during an Illness or Bodily InjuryType of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to a Lifetime Limit of $/€/£6,000in each Period of Insurance, Your Optional Additional Benefit Cap will apply, but may not always be reached if Your cap exceeds this Lifetime Limit | |||
| Psychiatric, drug and alcohol abuseDescription: We will pay for In-Patient or Out-Patient Treatment in relation to psychiatric, mental and nervous disorders, alcoholism, or drug abuse detoxification. We will pay for In-Patient psychiatric care only where the Out-Patient Optional Additional Benefit is selected on the Policy. This benefit applies to all Treatment related to mental health conditions, drug and alcohol abuse.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to a Lifetime Limit of $/€/£5,000in each Period of Insurance, Your Optional Additional Benefit Cap will apply, but may not always be reached if Your cap exceeds this Lifetime Limit | |||
| Speech therapyDescription: We will pay for necessary speech therapy following an Insured Event which is covered under the In-Patient Cover section of this Policy. This benefit is only available if the Out-Patient Cover Optional Additional Benefit has been added.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| Well-child careDescription: We will pay for general health checks where symptoms are not present for children up to the age of 7 years.Type of Benefit: Out-Patient CoverCategory of benefit: Optional Additional BenefitDeductible: Your selected Out-Patient Deductible applies to this benefit | 100% of costs up to $/€/£1,000, and subject to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| MaternityDescription: We will pay the following Maternity Cover benefits: • Ante-natal care • Hospital charges, obstetricians' and midwives' fees for pregnancy and childbirth including elective caesarean section • Post-natal care required by the mother immediately following normal childbirth Notes Other conditions arising from pregnancy or childbirth can develop in Insured Persons who are not pregnant and may not be covered by this section; however, they may be covered elsewhere in Your Policy.Type of Benefit: Maternity CoverCategory of benefit: Optional Additional Benefit; Available to Group Schemes onlyDeductible: Your Deductible does not apply to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of InsuranceA 12 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Maternity Cover is added at that stagecover must be continuous during this waiting period | |||
| Complications of Pregnancy and Complications of ChildbirthDescription: We will pay for medically necessary Treatment as a direct result of Complications of Pregnancy and Complications of Childbirth.Type of Benefit: Maternity CoverCategory of benefit: Optional Additional Benefit; Available to Group Schemes onlyDeductible: Your Deductible does not apply to this benefit | 100% of costs up to $/€/£50,000This benefit is only available if the Maternity Cover option is included with the Policy (Group Schemes only)The Optional Additional Benefit Cap does not apply to this benefitA 12 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Maternity Cover is added at that stagecover must be continuous during this waiting period | |||
| Congenital DefectsDescription: We will pay for Congenital Defects which are identified and can be cured by surgical intervention within the first 90 days of life. This is only available to infants as a result of an insured pregnancy and having continuous cover effective from their date of birth.Type of Benefit: Maternity CoverCategory of benefit: Optional Additional Benefit; Available to Group Schemes onlyDeductible: Your Deductible does not apply to this benefit | 100% of costs up to Your selected Optional Additional Benefit Cap shown on Your Certificate of Insurance | |||
| New-born care, including premature new-bornsDescription: Where the new-born is suffering from a medical condition, this will be covered under this benefit up to a maximum of 30 days after birth; thereafter the new-born will be an independent Insured Person and the cover will be subject to Policy terms.Type of Benefit: Maternity CoverCategory of benefit: Optional Additional Benefit; Available to Group Schemes onlyDeductible: Your Deductible does not apply to this benefit | 100% of costs up to $/€/£50,000 and limited to the first 30 days following birthA 12 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Maternity Cover is added at that stagecover must be continuous during this waiting period | |||
| Routine Dental TreatmentDescription: We will pay for Routine Dental Treatment such as check-ups, X-rays, scale and polishing, fillings, and extractions (including wisdom teeth). We will also pay for the services of a registered and currently licenced dentist for the repair, replacement or reinstatement of: • Fixed bridge work • Partial and full removal dentures • Crowns, inlays, onlays • Gold fillings but only when the tooth / teeth in question cannot be restored with amalgam, silicate acrylic or plastic • ImplantsType of Benefit: Routine Dental CoverCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% of costs up to Your relevant selected Optional Additional Benefit Cap shown on Your Certificate of InsuranceA 6 month waiting period applies to this benefit, if selected, from the Commencement Date, or from the Renewal Date if Routine Dental Cover is added at that stagecover must be continuous during this waiting period | |||
| Orthodontic treatment for children under 18Description: We will pay for 100% of orthodontic treatment for a child up to the age of 18.Type of Benefit: Routine Dental CoverCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% of costs up to a Lifetime Limit of $/€/£2,000, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Emergency Medical Transfer or EvacuationDescription: In the case of an Insured Event where medical evacuation or assistance is required, We will pay for travel to and from a medical facility if the following conditions are met; • The Treatment is medically necessary; and • The Treatment is not available at a local or more local facility; and • The Treatment requires admission as an In-Patient or Day-Patient, as covered under the Core Benefits of this Policy; and • The Treatment takes place within the Area of Cover • The Treatment takes place in the nearest appropriate location Following completion of Treatment, We will also cover the costs of the return trip, at economy fare rates, for the evacuated Insured Person to return to the Country of Residence. If medical necessity prevents the Insured Person from undertaking the evacuation or transport following discharge from an In-Patient episode of care, We will cover reasonable costs. Where an Insured Person has been evacuated to the nearest facility for ongoing Treatment, We will cover the reasonable costs. All decisions relating to the transport will be made and agreed by a Physician designated by Us in conjunction with treating professionals. We do not cover costs related to room upgrades, communication costs, food and drink.Type of Benefit: Assistance & EvacuationCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% of costs, subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Accompanying person’s Travel ExpensesDescription: We will pay for the necessary return economy travel costs and accommodation expenses incurred for one Close Relative, Relative in the First Degree, or friend of an Insured Person to: • Accompany the Insured Person to the nearest appropriate Hospital or Treatment facility in the case of an Emergency Medical Transfer or Evacuation • Accompany the remains of the Insured Person to his or her Home Country in the event of their deathType of Benefit: Assistance & EvacuationCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% of costs up to $/€/£5,000 and capped at 15 days, and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Compassionate travel and accommodation expensesDescription: We will pay for reasonable accommodation and travel costs for a maximum of 15 days, if You want to return to Your Home Country due to the death or hospitalisation, as a result of an Accident or Critical Condition, of a Close Relative or Relative in the First Degree. Economy travel class and accommodation only will be covered.Type of Benefit: Assistance & EvacuationCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% up to $/€/£5,000 and subject to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||
| Repatriation of mortal remainsDescription: In the event of the death of an Insured Person when outside their Home Country, We will pay for the costs of ensuring that, as soon as reasonably practical, the mortal remains are returned to the Insured Person’s Home Country and to the place of burial or cremation, or for the local internment of the body - whichever is requested by the Insured Person’s immediate family.Type of Benefit: Assistance & EvacuationCategory of benefit: Optional Additional BenefitDeductible: Your Deductible does not apply to this benefit | 100% of costs up to Your selected Core Benefit Cap shown on Your Certificate of Insurance | |||