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 Morgan Price
This is Morgan Price'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: Morgan Price — Evolution Health Plan (EU) Table of Benefits, April 2026 — showing every published column.
From the insurer's published documents
| Overall maximum limit | |||||
|---|---|---|---|---|---|
| ALL BENEFITS ARE SUBJECT TO PROVIDER NETWORK OR PRE-AUTHORISATION IF OUTSIDE OF NETWORK. | |||||
| IF YOU HAVE SELECTED A POLICY EXCESS, IT WILL NOT APPLY TO 5. WELLNESS BENEFITS, 6. DENTAL TREATMENT BENEFITS, 9. CASH BENEFITS AND 10. MEDICAL EVACUATION AND REPATRIATION BENEFITS. | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| Overall maximum limitThis is the maximum amount of money we will pay to, or on behalf of, each insured person in each period of insurance | 500,000 | 750,000 | 1,000,000 | 1,500,000 | 2,000,000 |
| 1 Hospital Benefits | |||||
| Pre-authorisation is required for benefits A, B, D, G, H and I | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. In-patient hospital stay, includingHospital accommodation, nursing, theatre and ICU/HDU costsSurgeons’, anaesthetists’ consultants and physicians’ feesPhysiotherapyInternal prostheses, medical aids/devices where used as an integral part of a surgical procedurePrescribed drugs and medicinesDiagnostic procedures including x-rays, pathology and MRI/CT/PET scans | Full refund | Full refund | Full refund | Full refund | Full refund |
| B. Day-patient treatmentwhen a period of recovery is required in a hospital bed | Full refund | Full refund | Full refund | Full refund | Full refund |
| C. Parental hospital stayfor one insured person to stay with an insured child (under age 19) who is an in-patient | Full refund | Full refund | Full refund | Full refund | Full refund |
| D. In-patient psychiatric treatmentup to the number of nights shown in each period of insurance | Not covered | Full refund - Maximum 15 nights | Full refund - Maximum 15 nights | Full refund - Maximum 30 nights | Full refund - Maximum 30 nights |
| E. Accident and emergency room treatmentwhich results in eligible in-patient, day-patient treatment | Full refund | Full refund | Full refund | Full refund | Full refund |
| F. External prosthesisrelated to a surgical operation | 2,500 | 2,500 | 2,500 | 2,500 | 2,500 |
| G. Rehabilitation carereceived on an in-patient basis related to an accident/illness/injury that occurred whilst insured on the plan | Full refund - Maximum 13 weeks | Full refund - Maximum 13 weeks | Full refund - Maximum 13 weeks | Full refund - Maximum 13 weeks | Full refund - Maximum 13 weeks |
| H. Kidney dialysis benefitwhen required temporarily for sudden kidney failure resulting from a disease or injury which is covered by the plan. The maximum lifetime limit applies to this benefit | Up to 20,000 lifetime limit | Up to 20,000 lifetime limit | Up to 20,000 lifetime limit | Up to 20,000 lifetime limit | Up to 20,000 lifetime limit |
| I. Organ implantation benefitfor kidney, liver, heart, lung, stem cell, bone marrow, and skin grafts | 100,000 | 100,000 | 200,000 | 250,000 | 300,000 |
| J. Day-patient psychiatric coverup to four separate day admissions in each period of insurance | Not covered | Full refund Limited to 4 separate day case admissions per period of cover | Full refund Limited to 4 separate day case admissions per period of cover | Full refund Limited to 4 separate day case admissions per period of cover | Full refund Limited to 4 separate day case admissions per period of cover |
| K. Local ambulance serviceswhen required for transportation to hospital in the event of a medical emergency | Full refund | Full refund | Full refund | Full refund | Full refund |
| L. In-patient chronic conditions benefitdiagnosed after the start date of the policy or agreed to be covered in writing at application stage. | Full refund | Full refund | Full refund | Full refund | Full refund |
| 2 Cancer Care Benefit | |||||
| Pre-authorisation is required | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Cancer treatmentfrom the date an insured person is diagnosed as suffering from cancer, all and any treatment will be assessed and paid for under this benefit | Full refund | Full refund | Full refund | Full refund | Full refund |
| 3 Out-Patient Benefits | |||||
| Benefit J is subject to a 12 month waiting period and pre-authorisation is required | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Out-patient minor surgerywhere no period of recovery is required in a hospital bed | Full refund | Full refund | Full refund | Full refund | Full refund |
| B. Out-patient services, includingPhysician and consultants feesPrescribed drugs, medication and dressings | 1,000 for treatment received pre or post op or within 6 weeks following an eligible in-patient stay | Combined limit of 2,500 | Combined limit of 5,000 | Combined limit of 10,000 | Full refund |
| C. Diagnostic tests, x-rays, pathology | Not covered | ||||
| D. Out-patient chronic conditions benefitdiagnosed after the start date of the policy or agreed to be covered in writing at application stage. | Not covered | ||||
| E. MRI/CT/PET scans | Not covered | Full refund | Full refund | Full refund | Full refund |
| F. Physiotherapy | Not covered | 500 | 1,000 | 1,500 | 2,000 |
| G. Medical aids and devicesincluding the hire of mobility aids | Not covered | 500 | 1,000 | 1,500 | 2,000 |
| H. Complementary therapiesincluding chiropractic, homeopathy, osteopathy, acupuncture, ayurvedic, herbal and Chinese medicines, with registered practitioners and associated prescribed drugs and medicines | Not covered | 500 | 1,000 | 1,500 | 2,000 |
| I. Hormone replacement therapyto relieve the symptoms of the menopause | Not covered | Not covered | Not covered | 250 | 350 |
| J. Out-patient psychiatric treatmentwhen referred by a physician | Not covered | Full refund - Maximum 5 visits | Full refund - Maximum 10 visits | Full refund - Maximum 15 visits | Full refund - Maximum 30 visits |
| K. Home nursingon the recommendation of a physician immediately following an in-patient hospital stay | Not covered | Full refund - Maximum 3 weeks | Full refund - Maximum 12 weeks | Full refund - Maximum 26 weeks | Full refund - Maximum 26 weeks |
| 4 Chronic Condition Benefits | |||||
| Pre-authorisation is required. Benefit B is subject to a 2 year waiting period. | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Hospice care treatmentfor an insured person who is terminally ill and cared for in a hospice | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights |
| B. HIV and AIDS treatmentwhere contracted as a result of a blood transfusion | Not covered | Not covered | 2,500 each insured period Up to 37,500 lifetime limit | 5,000 each insured period Up to 37,500 lifetime limit | 7,500 each insured period Up to 37,500 lifetime limit |
| 5 Wellness Benefits | |||||
| All benefits under this item are subject to a 12 month waiting period | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Wellness screeningroutine health tests for early diagnosis of medical conditions. This is not applicable to persons under the age of 16. | 300 | 300 | 300 | 500 | 1,000 |
| B. Cancer screeningfor the early diagnosis of cancer. | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 |
| C. Travel vaccinations/preventative medicationsfor overseas travel | Not covered | 50 | 75 | 100 | 150 |
| D. Child vaccinationsfor prevention of illness, up to the age of 10 | Not covered | 50 | 75 | 100 | 150 |
| E. Optical benefitfor one annual eye test | Not covered | Not covered | Not covered | Full refund | Full refund |
| F. Vision benefitfor the cost of spectacles/contact lenses | Not covered | Not covered | Not covered | 100 | 300 |
| G. Laser eye benefitfor surgery to correct vision | Not covered | Not covered | Full refund | Full refund | Full refund |
| H. Hearing test benefitfor one annual hearing test | Not covered | Not covered | Not covered | Full refund | Full refund |
| I. Hearing aid benefitfor the cost of a hearing aid | Not covered | Not covered | Not covered | 150 | 300 |
| 6 Dental Treatment Benefits | |||||
| A 10% co-insurance and a 6 month waiting period applies to benefits B, C, D and E of this item | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Emergency dental treatment- dental treatment required immediately following an accident to repair sound natural teeth | Full refund | Full refund | Full refund | Full refund | Full refund |
| B. Non-emergency routine dental treatmentincluding routine examinations, x-rays, moulds, cleaning/polishing, fillings, extractions (except wisdom teeth) | Not covered | Not covered | 750 | 1,000 | 1,500 |
| C. Non-emergency major dental treatmentincluding crowns, inlays, bridges, dentures, root canal treatment and treatment of infections | Not covered | Not covered | 750 | 1,000 | 1,500 |
| D. Extraction of wisdom teethas an in-patient, out-patient or day-patient | Not covered | Not covered | Full refund | Full refund | Full refund |
| E. Orthodontic treatmentfor insured children under age 19 | Not covered | Not covered | Not covered | 500 | 1,000 |
| 7 Maternity Benefits | |||||
| A 10 month waiting period applies and pre-authorisation is required | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Complications of pregnancy and childbirth | Not covered | 2,500 | 10,000 | 15,000 | Full refund |
| B. Normal pregnancy and childbirth | Not covered | Not covered | Not covered | 7,500 | 10,000 |
| C. Paediatric benefitfor the initial medical check-up of a newborn | Not covered | Not covered | Not covered | 150 | 300 |
| D. Premature baby treatmentreceived within the first two months following birth | Not covered | Not covered | Not covered | Full refund | Full refund |
| 8 Additional Benefits | |||||
| A 12 month waiting period applies to Benefit A and C | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Congenital benefitfor conditions not discovered at birth but which can subsequently be corrected with surgery. A maximum lifetime limit applies to this benefit. | Not covered | Not covered | Not covered | Full refund - Up to 20,000 lifetime limit | Full refund - Up to 20,000 lifetime limit |
| B. Congenital/birth defects benefitfor conditions diagnosed within one year of birth for babies conceived by natural means. A maximum lifetime limit applies to this benefit. | Not covered | Not covered | Not covered | Full refund - Up to 20,000 lifetime limit | Full refund - Up to 20,000 lifetime limit |
| C. Infertility benefitinvestigations into the medical cause of infertility, where both members are insured under this policy and when the couple’s treating physician believes there are symptoms and/or evidence to suggest a medical cause. | Not covered | Not covered | Not covered | 2,000 | 3,000 |
| 9 Cash Benefits | |||||
| Benefit B is subject to a 10 month waiting period | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Hospital cash benefitwhen in-patient treatment received is free of charge | 50 per night - Maximum 30 nights | 100 per night - Maximum 30 nights | 100 per night - Maximum 30 nights | 200 per night - Maximum 30 nights | 200 per night - Maximum 30 nights |
| B. Maternity cash benefitpayable on the birth of a child when no claim has been made under the maternity benefit | Not covered | Not covered | Not covered | 250 | 500 |
| C. Convalescence cash benefitpayable for each complete week of confinement to home (excluding first week) - benefit limited to 4 weeks in each period of insurance | Not covered | Not covered | Not covered | Not covered | 500 |
| 10 Medical Evacuation and Repatriation Benefits | |||||
| Pre-authorisation is required | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Emergency medical transportationof an insured person to the nearest suitable hospital when local medical care is inadequate and returning them to their country of residence after treatment, including the costs of a medical escort if necessary | Full refund | Full refund | Full refund | Full refund | Full refund |
| B. Companion travel costswhen accompanying an insured person during emergency medical transportation | Full refund | Full refund | Full refund | Full refund | Full refund |
| C. Companion accommodation costswhen accompanying an insured person during an emergency medical transportation | Not covered | 100 - Maximum 10 nights per event | 150 - Maximum 10 nights per event | 200 - Maximum 10 nights per event | 250 - Maximum 10 nights per event |
| D. Medical assistance costsincluding referral, medical advice and obtaining essential prescription medication | Full refund | Full refund | Full refund | Full refund | Full refund |
| E. Dependent child travel costsfor children under age 19 to travel to a destination of the insured person’s choice following their emergency medical transportation, or for a relative to travel to the destination of the children | Economy Return Air Ticket | Economy Return Air Ticket | Economy Return Air Ticket | Economy Return Air Ticket | Economy Return Air Ticket |
| F. Repatriation of the deceasedwhen death occurs outside the home country | Full refund | Full refund | Full refund | Full refund | Full refund |
| G. Local burial or cremationwhen death occurs outside the home country | 1,000 | 1,000 | 2,000 | 2,000 | 5,000 |
| 11 Out of Area Treatment Benefit | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Emergency out of area treatmentfor emergency medical treatment and acute episodes of existing covered medical conditions, whilst the insured person is temporarily travelling outside their selected geographical area | 25,000 - Up to 30 days travel only | 25,000 - Up to 30 days travel only | 40,000 - Up to 30 days travel only | 70,000 - Up to 30 days travel only | 100,000 - Up to 30 days travel only |
| 12 Evacuation to Home Country | |||||
| Pre-authorisation is required. Optional benefit only applicable if you have selected this benefit | |||||
| Benefit | Standard | Standard Plus | Comprehensive | Premium | Elite |
| A. Home country evacuationto an insured person’s home country (when the home country is within the selected geographical area). This only applies if this additional benefit has been purchased | Full refund | Full refund | Full refund | Full refund | Full refund |