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 — Protector 21 Policy Wording, January 2026 — showing every published column.
From the insurer's published documents
| In-Patient and Day-Patient Care | |||||
|---|---|---|---|---|---|
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Accommodation, operating theatre, and recovery room costsDeductible applies: YesWe will pay for:The use of an operating theatreCharges for Your Hospital accommodation, including all Your meals and refreshmentsAccommodation in a room that is no more expensive than the Hospital's standard single room with a private bathroomThe length of stay that is medically appropriate for the procedure that You are admitted forWe 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; orIt 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. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Diagnostic TestsDeductible applies: YesWe will pay for:MRI, CT, and PET scansX-raysLaboratory testsOther medically necessary diagnostic testsThat you need as part of your Treatment in Hospital | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| NursingDeductible applies: YesWe will pay for nursing services during In-Patient and Day-Patient care. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Prescription Drugs and MedicinesDeductible applies: YesWe 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. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Physician, specialist, surgeon, and anaesthetist feesDeductible applies: YesWe will pay Physicians’, surgeons’, and anaesthetists' fees for a surgical operation, including all pre- and post-operative care. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Medical second opinionDeductible applies: YesWe will pay for the evaluation of Your medical history, Your diagnosis, and Your treatment plan by a medical specialist authorised by Us. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Hospital Cash BenefitDeductible applies: NoWe 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. | $100 / €80 / £70 per day, up to 30 days | $100 / €80 / £70 per day, up to 30 days | $200 / €170 / £140 per day, up to 30 days | $250 / €210 / £170 per day, up to 30 days | $250 / €210 / £170 per day, up to 40 days |
| Eye surgeryDeductible applies: YesWe will pay for necessary eye surgery to repair damage to the eye caused as the result of an Accident, Bodily Injury or Illness. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Organ TransplantDeductible applies: YesWe will pay for Organ Transplant services 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. | 100% up to a Lifetime Limit of $100,000 / €86,000 / £71,000 | 100% up to a Lifetime Limit of $100,000 / €86,000 / £71,000 | 100% up to a Lifetime Limit of $100,000 / €86,000 / £71,000 | 100% up to a Lifetime Limit of $500,000 / €430,000 / £350,000 | 100% up to a Lifetime Limit of $500,000 / €430,000 / £350,000 |
| Parent & child accommodationDeductible applies: YesWe 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. | $45 / €40 / £30 per day up to 30 days | $45 / €40 / £30 per day up to 30 days | $150 / €130 / £100 per day up to 30 days | $150 / €130 / £100 per day up to 30 days | $150 / €130 / £100 per day up to 45 days |
| Day-Patient TreatmentDeductible applies: YesWe 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. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Hospice or Terminal CareDeductible applies: YesWe 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. | 100% up to a Lifetime Limit of $20,000 / €17,000 / £14,000 | 100% up to a Lifetime Limit of $20,000 / €17,000 / £14,000 | 100% up to a Lifetime Limit of $20,000 / €17,000 / £14,000 | 100% up to a Lifetime Limit of $200,000 / €170,000 / £140,000 | 100% up to a Lifetime Limit of $200,000 / €170,000 / £140,000 |
| Rehabilitation following In-Patient TreatmentDeductible applies: YesWe 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. | No cover | No cover | No cover | 100% up to 45 days | 100% up to 60 days |
| Elective Home Country TreatmentDeductible applies: YesWe will pay for an Insured Person to be treated in their Home Country when:The Insured Person has obtained prior authorisation from Us; andThe Treatment costs do not exceed those of the Country of Residence; andThe Insured Person has selected the Area of Cover that includes the Home CountryWe do not provide cover for transport or personal accommodation costs. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Medical Treatment Outside Your Area of CoverDeductible applies: YesWhen 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.When in the Area 1, this benefit is capped. | For treatment within Area 2 and 3: Up to 60 days per policy yearFor treatment in Area 1: Up to 20 days per policy year maximum $20,000 / €17,000 / £14,000 | For treatment within Area 2 and 3: Up to 60 days per policy yearFor treatment in Area 1: Up to 30 days per policy year maximum $30,000 / €26,000 / £21,000 | For treatment within Area 2 and 3: Up to 60 days per policy yearFor treatment in Area 1: Up to 40 days per policy year maximum $40,000 / €34,000 / £28,000 | For treatment within Area 2 and 3: Up to 60 days per policy yearFor treatment in Area 1: Up to 50 days per policy year maximum $50,000 / €43,000 / £35,000 | For treatment within Area 2 and 3: Up to 60 days per policy yearFor treatment in Area 1: Up to 60 days per policy year maximum $60,000 / €52,000 / £42,000 |
| Road ambulance transportDeductible applies: YesWe will pay for medically necessary travel by local road ambulance when related to eligible In-Patient or Day-Patient Treatment. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Cancer TreatmentDeductible applies: YesWe will pay for Cancer Treatment from the date an Insured Person is diagnosed as suffering from Cancer. We will pay for consultations, surgery, chemotherapy, radiotherapy, oncology, diagnostic tests, and Prescription Drugs and Medicines, whether In-Patient, Day-Patient or Out-Patient. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Expat AssistanceDeductible applies: NoProfessional counselling support and consultation available worldwide via Telus Health.Service available day or night, 365 days a year.Call Telus Health and identify yourself as part of the Healthcare International Group. Find the phone number for your country here: https://wellbeing.lifeworks.com/world/#Online E-Counselling: https://app.lifeworks.comLog in using the following credentials:Username: HCIPassword: lifeworks (lower case)Download: The Telus Health One app | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Out-Patient Care | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Alternative medicineDeductible applies: YesWe will pay for Treatment received from a qualified chiropractor, homeopath, osteopath, acupuncturist or Chinese medicine practitioner. | No cover | No cover | No cover | No cover | 100% up to $400 / €340 / £280 |
| Physician and paramedic feesDeductible applies: YesWe will pay for consultations with a medical practitioner, Physician, or specialist. | No cover | No cover | 75% up to $1,000 / €860 / £710 | 75% of costs | 100% of costs |
| DiagnosticsDeductible applies: YesWe will pay for:MRI, CT, and PET scansX-raysLaboratory testsOther medically necessary diagnostic tests | No cover | No cover | 75% up to $1,000 / €860 / £710 | 75% of costs | 100% of costs |
| PhysiotherapyDeductible applies: YesWe 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. | No cover | No cover | 100% up to 12 sessions up to $1,000 / €860 / £710 | 100% up to 12 sessions up to $1,000 / €860 / £710 | 100% up to 12 sessions |
| Hormone replacement therapyDeductible applies: YesWe 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 any hormonal Treatment directly or indirectly related to gender dysphoria. | No cover | No cover | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 |
| Prescription Drugs and MedicinesDeductible applies: YesWe will pay for medication prescribed by a Physician and which would not be available without a prescription. | No cover | No cover | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 |
| Preventative Care | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Annual Health ChecksDeductible applies: YesWe 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 examNeurological examBlood testsYou will not be able to claim within the first 12 months. | No cover | No cover | No cover | 100% up to $400 / €340 / £280 | 100% up to $1,500 / €1,300 / £1,000 |
| VaccinationsDeductible applies: YesWe 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. | No cover | 75% up to $150 / €130 / £100 | 75% up to $150 / €130 / £100 | 100% up to $150 / €130 / £100 | 100% covered |
| Wellbeing testsDeductible applies: YesWe will pay for routine gynaecological tests, mammograms, and prostate exams, and other routine Cancer screening tests. | No cover | No cover | 100% up to $450 / €390 / £320 | 100% up to $450 / €390 / £320 | 100% up to $450 / €390 / £320 |
| Well-child careDeductible applies: YesWe will pay for general health checks where symptoms are not present for children up to the age of 7 years. | No cover | No cover | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 | 100% up to $1,000 / €860 / £710 |
| Maternity Care | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| MaternityDeductible applies: YesWe will pay the following Maternity Cover benefits:Ante-natal careHospital charges, obstetricians' and midwives' fees for pregnancy and childbirth including elective caesarean sectionPost-natal care required by the mother immediately following normal childbirthYou will not be able to claim within the first 12 months. | No cover | 100% up to $3,000 / €2,600 / £2,100 | 100% up to $3,000 / €2,600 / £2,100 | 100% up to $15,000 / €13,000 / £10,700$20,000 / €17,300 / £14,200 if both parents join together | 100% up to $17,500 / €15,200 / £12,500$25,000 / €21,700 / £17,800 if both parents join together |
| Complications of Pregnancy and Complications of ChildbirthDeductible applies: YesWe will pay for medically necessary Treatment as a direct result of Complications of Pregnancy and Complications of Childbirth.You will not be able to claim within the first 12 months. | No cover | 100% up to $10,000 / €8,600 / £7,100 | 100% up to $50,000 / €43,400 / £35,700 | 100% up to $500,000 / €430,000 / £350,000 | 100% up to $1,000,000 / €860,000 / £710,000 |
| Congenital DefectsDeductible applies: YesWe 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.You will not be able to claim within the first 12 months. | No cover | 100% covered | 100% covered | 100% covered | 100% covered |
| New-born care, including Premature new-bornsDeductible applies: YesWe will pay for new-born care and necessary Treatment of the baby’s medical condition(s) under this benefit up to a maximum of 30 days following birth. Thereafter, the new-born will be an independent Insured Person and the cover will be subject to Policy terms. Cover from this benefit is only available to infants of a covered pregnancy and where You have applied for the baby’s cover within 30 days of birth so that cover can start from the date of birth.You will not be able to claim within the first 12 months. | No cover | 100% up to $50,000 / €43,400 / £35,700 | 100% up to $100,000 / €86,800 / £71,400 | 100% up to $150,000 / €130,400 / £107,100 | 100% up to $250,000 / €217,300 / £178,500 |
| Dental Care | |||||
| **Combined benefit limit applies for emergency, routine and restorative dental Treatment of $2,000 / €1,700 / £1,400 per Period of Insurance, per Insured Person. | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Emergency Dental Treatment**Deductible applies: YesWe 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.You will not be able to claim within the first 6 months. | No cover | No cover | Optional benefit cover where selected and paid100% up to $2,000 / €1,700 / £1,400 | Optional benefit cover where selected and paid100% up to $2,000 / €1,700 / £1,400 | 100% up to $2,000 / €1,700 / £1,400 |
| Routine dental Treatment**Deductible applies: NoWe will pay for Routine Dental Treatment such as check-ups, X-rays, scale and polishing, fillings, and extractions (including wisdom teeth).You will not be able to claim within the first 6 months. | No cover | No cover | Optional benefit cover where selected and paid75% up to $700 / €600 / £500 | Optional benefit cover where selected and paid75% up to $700 / €600 / £500 | 100% up to $700 / €600 / £500 |
| Restorative dental Treatment**Deductible applies: NoWe will pay for the following restorative dental Treatment:Treatment for the relief of an infection, including prescribed antibiotics and temporary fillings.Endodontic Treatment including root canal treatment.Removal of buried, impacted or unerupted teeth.Gum disease.Repair of crowns, inlays, onlays, bridgework and dentures.We will pay for the repair, replacement or reinstatement of dental crowns, bridges, dentures and implantsYou will not be able to claim within the first 6 months. | No cover | No cover | Optional benefit cover where selected and paid75% up to $2,000 / €1,700 / £1,400 | Optional benefit cover where selected and paid75% up to $2,000 / €1,700 / £1,400 | 100% up to $2,000 / €1,700 / £1,400 |
| Dental Crowns, bridges, dentures and implantsDeductible applies: NoWe will pay for the installation or replacement of dental crowns, bridges, dentures and implants. We will pay for the services of a registered and currently licenced dentist for the repair, replacement or reinstatement of:Fixed bridge workPartial and full removal denturesCrowns, inlays, onlaysGold fillings but only when the tooth / teeth in question cannot be restored with amalgam, silicate acrylic or plastic implantsYou will not be able to claim within the first 6 months. | No cover | No cover | Optional benefit cover where selected and paid.50% up to $500 / €430 / £350 per tooth up to a maximum of $2,000 / €1,700 / £1,400 | Optional benefit cover where selected and paid.50% up to $500 / €430 / £350 per tooth up to a maximum of $2,000 / €1,700 / £1,400 | 50% up to $500 / €430 / £350 per tooth up to a maximum of $2,000 / €1,700 / £1,400 |
| Orthodontic Treatment for children under 18Deductible applies: NoWe will pay for orthodontic treatment for a child up to the age of 18.You will not be able to claim within the first 6 months. | No cover | No cover | Optional benefit cover where selected and paid50% up to a Lifetime Limit of $2,000 / €1,700 / £1,400 | Optional benefit cover where selected and paid50% up to a Lifetime Limit of $2,000 / €1,700 / £1,400 | 50% up to a Lifetime Limit of $2,000 / €1,700 / £1,400 |
| Special and Travel Benefits | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Emergency Medical Transfer or Evacuation and repatriationDeductible applies: YesIn the event of a Critical Condition, We will pay for travel to and from a medical facility outside Your Country of Residence, or a facility which is not easily accessible within Your Country of Residence, if the following conditions are met;The Treatment is medically necessary; andThe Treatment is not available at a local or more local facility; andThe Treatment requires admission as an In-Patient or Day-Patient, as covered under the Core Benefits of this Policy; andThe Treatment takes place within the Area of Cover. Please also be aware of the capped benefit available under the Medical Treatment Outside Your Area of Cover benefit.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. | 100% covered | 100% covered | 100% covered | 100% covered | 100% covered |
| Accompanying person’s Travel ExpensesDeductible applies: YesWe 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 EvacuationAccompany the remains of the Insured Person to his or her Home Country in the event of their death | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 |
| Compassionate travel and accommodation expensesDeductible applies: YesWe 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. | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 | 100% up to $5,000 / €4,300 / £3,500 |
| Repatriation of mortal remainsDeductible applies: YesIn 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. | 100% up to $3,000 / €2,600 / £2,100 | 100% covered | 100% covered | 100% covered | 100% covered |
| Other Benefits | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Glasses and contact lensesDeductible applies: YesWe will pay for the costs of routine eye examination, glasses or contact lenses prescribed to correct defective eyesight.You will not be able to claim for the first 6 months | No cover | No cover | No cover | No cover | 100% up to $400 / €340 / £280 |
| Home nursingDeductible applies: YesWe 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; andIt is necessary, meaning that without it You would have to stay in Hospital; andIt starts immediately after You leave Hospital; andIt is provided by a qualified nurse in Your home; andIt is prescribed by Your Physician | No cover | No cover | No cover | 100% up to 60 days | 100% up to 60 days |
| Prescribed medical aidsDeductible applies: YesWe will pay for medically necessary prosthetic appliances prescribed by a Physician or surgeon, such as:Orthopaedic braces, hearing aids and artificial devices replacing body partsOther durable equipment (including crutches and wheelchairs) customarily and generally useful to a person only during an Illness or Bodily Injury | No cover | No cover | No cover | No cover | 50% up to a Lifetime Limit of $6,000 / €5,200 / £4,200 |
| Psychiatric, drug and alcohol abuseDeductible applies: YesWe will pay for In-Patient or Out-Patient Treatment in relation to psychiatric, mental and nervous disorders, alcoholism, or drug abuse detoxification.This benefit applies to all Treatment related to mental health conditions, drug and alcohol abuse. | No cover | No cover | No cover | No cover | 50% up to a Lifetime Limit of $5,000 / €4,300 / £3,500 |
| Personal Accident | |||||
| Benefit | Emergency Plus | Standard | Plus | Premium | Executive |
| Accidental deathDeductible applies: NoPayment upon the Accidental death of the Policyholder or an Insured Person when the Policyholder or Insured Person is aged 18 years or more.In the event of the Accidental death of the Insured Person the benefit value will be paid to the deceased person’s estate or previously appointed beneficiary.10,000 increases in the cover limit are available up to a maximum of $125,000 / €101,700 / £87,800 per Insured Person – Your Policy schedule will detail the sum insured. | $25,000 / €21,700 / £17,800 | $25,000 / €21,700 / £17,800 | $25,000 / €21,700 / £17,800 | $25,000 / €21,700 / £17,800 | $25,000 / €21,700 / £17,800 |