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 William Russell
This is William Russell'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: William Russell — Health Insurance Plan Agreement, 2026 policy year (v1) — showing every published column.
From the insurer's published documents
| Annual benefit limit | ||||
|---|---|---|---|---|
| Benefit | Bronze | SilverLite | Silver | Gold |
| Annual benefit limitThe overall maximum limit that each member can claim during any one policy year. | US$1,500,000 or £1,000,000 or €1,125,000 | US$1,500,000 or £1,000,000 or €1,125,000 | US$2,500,000 or £1,666,000 or €1,875,000 | US$5,000,000 or £3,333,000 or €3,750,000 |
| Hospital costs | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Hospital accommodationAccommodation in a private hospital room is only available on the Bronze and Silver Lite plans if you have selected this option.With cover for a private hospital room, we will pay the cost of a standard single room with an en-suite bath or shower room when you are an inpatient or daypatient.With cover for a semi-private hospital room, we will pay the cost of a standard shared room with an en-suite bath or shower room when you are an inpatient or daypatient. | Semi-private hospital roomPrivate hospital room | Semi-private hospital roomPrivate hospital room | Private hospital room | Private hospital room |
| Hospital treatmentTreatment you receive while you are an inpatient or daypatient, including surgeons' and anaesthetists' and doctors' fees, nursing care, drugs and surgical dressings, operating theatre charges and intensive care, pathology, X-rays, scans, imaging tests and physiotherapy.We will also pay for pre-admission tests that you undergo on an outpatient basis for hospital treatment you are scheduled to receive that is covered by your plan.We will also pay for the inpatient surgical removal of impacted, buried or unerupted wisdom teeth. This is subject to a 12-month waiting period and covered only when the surgery is performed by a doctor (not a dentist) in a hospital (not a dental surgery) and under general anaesthetic. | Full cover | Full cover | Full cover | Full cover |
| Parent accommodationThe cost of one parent staying in hospital with a child under 18 years of age while the child is receiving eligible treatment covered by their plan. | Full cover | Full cover | Full cover | Full cover |
| Local ambulanceTransport must be to the nearest available and appropriate hospital and an air ambulance is only covered if there is no viable alternative. | Full cover | Up to US$1,600 or £1,065 or €1,200 per policy year | Full cover | Full cover |
| Hospital cash benefitPayable for each night spent in a hospital when you receive treatment eligible for cover by your plan for which no charge is made by the hospital to us. Benefit is paid for up to a maximum of 60 nights per policy year.If you have an excess, we will not apply it to this benefit. | US$150 or £100 or €113 per night | US$200 or £132 or €150 per night | US$200 or £132 or €150 per night | US$350 or £231 or €263 per night |
| Advanced imaging testsMRI and CAT (CT) scans performed on the advice of a doctor and PET scans performed on the advice of a specialist. Your medical referral letter will be required.We will pay for one consultation only to obtain the results of the imaging test. | Full cover | Full cover | Full cover | Full cover |
| Cancer treatment | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Cancer treatmentCancer treatment, including chemotherapy, radiotherapy, immunotherapy, consultations, tests, scans, and drugs. We will also pay for restorative dental treatment following chemotherapy or radiotherapy. | Full cover | Full cover | Full cover | Full cover |
| Cancer genome testsThe cost of tests to sequence the genes of cancer cells. | Full cover | Full cover | Full cover | Full cover |
| Genetic testing for cancer (12-month waiting period)We will pay for genetic tests (and any associated genetic counselling) for BRCA1 and BRCA2 genes (for breast, ovarian, prostate, and pancreatic cancer) and familial adenomatous polyposis (FAP) (for colorectal cancer).We won't pay for genetic tests when similar tests are available free of charge in the public healthcare system of the country where you're receiving oncology treatment. | No cover | No cover | Lifetime limit of US$2,000 or £1,320 or €1,500 | Lifetime limit of US$4,000 or £2,640 or €3,000 |
| Preventive cancer treatment (12-month waiting period)We will only pay for mastectomy (surgery to remove breasts), oophorectomy (surgery to remove ovaries), and colectomy (surgery to remove all or part of the bowel).We won't pay for such surgeries when they are available free of charge in the public healthcare system of the country where you're receiving oncology treatment. | No cover | No cover | Lifetime limit of US$25,000 or £16,600 or €18,750, subject to a 20% co-insurance | Lifetime limit of US$40,000 or £26,600 or €30,000 |
| Cash benefit upon diagnosis of cancer (6-month waiting period)This benefit will not be paid if you were first diagnosed with any cancer before you were covered under the Gold plan for a period of six consecutive months. | No cover | No cover | No cover | US$5,000 or £3,330 or €3,750 with a lifetime limit of one claim per member |
| WigsHelp towards the cost of a wig following chemotherapy, covered by your plan. | Lifetime limit of US$150 or £100 or €113 | Lifetime limit of US$150 or £100 or €113 | Lifetime limit of US$150 or £100 or €113 | Lifetime limit of US$250 or £165 or €188 |
| CounsellingConsultations with a registered psychologist/counsellor when you have received cancer treatment covered by your plan, up to a lifetime limit of 10 consultations. | Lifetime limit of US$500 or £330 or €375 | Lifetime limit of US$500 or £330 or €375 | Lifetime limit of US$500 or £330 or €375 | Lifetime limit of US$750 or £500 or €563 |
| DietitianConsultation with a registered dietitian when you have received cancer treatment covered by your plan, up to a lifetime limit of 2 consultations. | Lifetime limit of US$100 or £67 or €75 | Lifetime limit of US$100 or £67 or €75 | Lifetime limit of US$100 or £67 or €75 | Lifetime limit of US$250 or £165 or €188 |
| Organ, bone marrow or tissue transplants | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| We only cover transplants carried out in internationally accredited institutions by accredited surgeons and where the organ procurement is in accordance with WHO (World Health Organisation) guidelines. | ||||
| We do not cover any costs associated with the acquisition of the organ. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Transplant and related treatmentCosts incurred while hospitalised, including anti-rejection drugs, and all related outpatient treatment required prior to and after the transplant. | Full cover | Full cover | Full cover | Full cover |
| Donor costsMedical costs associated with the donor as an inpatient or daypatient. | Up to US$25,000 or £16,600 or €18,750 per transplant | Up to US$25,000 or £16,600 or €18,750 per transplant | Up to US$25,000 or £16,600 or €18,750 per transplant | Up to US$25,000 or £16,600 or €18,750 per transplant |
| Kidney dialysis | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Kidney dialysisTreatment for kidney dialysis while you are an inpatient, daypatient or outpatient. | Full cover | Full cover | Full cover | Full cover |
| Reconstructive surgery | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Reconstructive surgeryA maximum of two surgeries per lifetime to restore your appearance after an accident or after surgery for cancer, provided the original treatment for the accident or cancer was paid for by us, and provided the reconstructive surgery takes place within two years of the accident or the original cancer surgery. | Inpatient, daypatient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital following reconstructive surgery | Full cover | Full cover | Full cover |
| HIV/AIDS treatment | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| HIV/AIDS treatment (24-month waiting period)Treatment arising from or related to Human Immunodeficiency Virus (HIV) and/or HIV-related illnesses, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related complex (ARC) for a maximum period of 5 years.We do not provide cover if the virus was contracted before your date of entry. | Inpatient and daypatient treatment only, up to US$5,000 or £3,300 or €3,750 per policy year | Up to US$5,000 or £3,300 or €3,750 per policy year | Up to US$75,000 or £50,000 or €56,250 per policy year | Up to US$100,000 or £66,600 or €75,000 per policy year |
| Congenital conditions or hereditary conditions | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Congenital conditions or hereditary conditionsTreatment for a congenital condition or hereditary condition (whether diagnosed as a chronic condition or not) and treatment for any related condition.This benefit does not extend to mental health treatment, complementary medicine or traditional Chinese medicine.There is no cover for congenital conditions or hereditary conditions if, prior to your date of entry, you have had any abnormal signs, symptoms or test results related to the congenital condition or hereditary condition (whether or not a specific diagnosis has been made).The lifetime limit shown applies irrespective of the number of congenital conditions and hereditary conditions. | Inpatient, daypatient and post-hospital treatment received within the 90-day period following the date you are discharged from hospital, up to a lifetime limit of US$50,000 or £33,300 or €37,500 | Lifetime limit of US$60,000 or £40,000 or €45,000 | Lifetime limit of US$80,000 or £53,300 or €60,000 | Lifetime limit of US$100,000 or £66,600 or €75,000 |
| Mental health treatment | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| All treatment must be administered under the direct control of a registered psychiatrist, psychologist or counsellor. | ||||
| We do not cover investigations or treatment related to phobias, hypnotherapy, postnatal depression or marriage/relationship counselling, or psycho-geriatric conditions including Alzheimer's disease or dementia. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Lifetime mental health treatment limitThe overall maximum limit to the amount that you can claim for all benefits in the mental health treatment section that are covered by your plan during your lifetime. | US$50,000 or £33,300 or €37,500 | No cover | US$75,000 or £50,000 or €56,250 | US$100,000 or £66,600 or €75,000 |
| Inpatient and daypatient mental health treatment (12-month waiting period)Inpatient and daypatient treatment received in a recognised mental health unit of a hospital. Your cover under this benefit is subject to the lifetime mental health treatment limit above. | Up to 30 days per policy year | No cover | Cover up to the lifetime limit for mental health treatment | Cover up to the lifetime limit for mental health treatment |
| Outpatient mental health treatment (12-month waiting period)Specialist mental health consultations with a registered psychiatrist or psychologist or mental health consultations with a registered counsellor when you have been referred by a doctor. Your cover under this benefit is subject to the lifetime mental health treatment limit above. | Up to 10 consultations per policy year for post-hospital treatment received within the 90-day period following the date you are discharged from hospital following inpatient or daypatient mental health treatment | No cover | Up to 10 consultations per policy year | Up to 10 consultations per policy year |
| Outpatient mental health medication (12-month waiting period)Medication prescribed by a doctor or registered psychiatrist to treat a mental health condition. Your cover under this benefit is subject to the lifetime mental health treatment limit above. | Up to US$500 or £333 or €375 per policy year for post-hospital treatment received within the 90-day period following the date you are discharged from hospital following inpatient or daypatient mental health treatment, subject to a 20% co-insurance | No cover | Up to US$500 or £333 or €375 per policy year, subject to a 20% co-insurance | Up to US$500 or £333 or €375 per policy year, subject to a 20% co-insurance |
| Medical appliances | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Medical aidsSupplying, fitting or hiring instruments, apparatuses or devices which are medically prescribed as a medical aid to you (e.g., crutches, wheelchairs, orthopaedic supports/braces, orthotics, stoma supplies, compression stockings) when it immediately follows inpatient, daypatient or emergency ward treatment covered by your plan.We do not cover medical aids that form part of the care of a chronic condition. | Up to US$250 or £160 or €188 per medical condition per policy year | No cover | Up to US$500 or £330 or €375 per medical condition per policy year | Up to US$1,000 or £660 or €750 per medical condition per policy year |
| Prosthetic implantsSurgically-implanted, artificial body parts necessary to replace a joint or ligament, a heart valve, the aorta or an arterial blood vessel, a sphincter muscle, the lens or cornea of the eye, or to control urinary incontinence, or to act as a heart pacemaker, or to remove excess fluid from the brain. | Full cover | Full cover | Full cover | Full cover |
| Prosthetic devicesExternal prosthetic body parts, such as prosthetic limbs, fitted after the healing of an amputation covered by your plan. | Up to US$500 or £330 or €375 per device | Up to US$1,000 or £660 or €750 per device | Up to US$1,000 or £660 or €750 per device | Up to US$1,500 or £1,000 or €1,125 per device |
| Outpatient treatment | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Annual limit for outpatient treatmentThe overall maximum limit to the amount you can claim for treatment you receive as an outpatient during any one policy year.If you select Option A, your annual limit for outpatient treatment increases to the limit shown. Your limit for the primary medical care benefit (below) also increases to the limit shown for Option A.If you select Option B, your annual limit for outpatient treatment increases to the limit shown. Your limit for the primary medical care benefit (below) also increases to the limit shown for Option B.You are not eligible for the higher limits if you have not selected Option A or Option B. | Full cover up to your annual plan limit | Up to US$5,000 or £3,300 or €3,750 per policy yearOption A: Up to US$7,500 or £5,000 or €5,625 per policy yearOption B: Up to US$10,000 or £6,600 or €7,500 per policy year | Full cover up to your annual plan limit | Full cover up to your annual plan limit |
| Primary medical careConsultations with a GP, doctor, or specialist. Consultations can be in-person or via technology (e.g., video or phone call). We do not cover home visits.We will also pay for the following primary medical care costs: Prescription drugs and other pharmacy costs (must be prescribed by a GP, doctor, or specialist); Pathology; Scans; Radiology; Imaging tests. | Post-hospital treatment received within the 90-day period following the date you are discharged from hospital | Up to US$1,500 or £1,000 or €1,125 per policy year (up to the annual limit for outpatient treatment)Option A: Up to US$2,500 or £1,665 or €1,875 per policy year (up to the annual limit for outpatient treatment)Option B: Up to US$3,500 or £2,310 or €2,625 per policy year (up to the annual limit for outpatient treatment) | Full cover | Full cover |
| Emergency ward treatmentEmergency treatment that you have received at a hospital. | Essential and immediate treatment necessary as the result of an accident, plus one follow-up appointment with a doctor | Up to the annual limit for outpatient treatment | Full cover | Full cover |
| Outpatient surgical proceduresSurgical procedures where it is not medically necessary for you to be admitted to hospital as an inpatient or daypatient. | Full cover | Up to the annual limit for outpatient treatment | Full cover | Full cover |
| Complementary treatmentsTreatment by a chiropractor, osteopath, chiropodist, podiatrist, homeopath or acupuncturist on the advice of a doctor.If your condition is (or becomes) a chronic condition and ongoing treatment is aimed at maintaining it rather than curing it, no further payments will be made. | Up to 10 sessions per policy year for post-hospital treatment received within the 90-day period following the date you are discharged from hospital | No cover | Up to 10 sessions per policy year | Up to 15 sessions per policy year |
| Hormone replacement therapyWhen prescribed by a doctor following your diagnosis with premature ovarian failure (i.e., loss of ovarian function before the age of 40). | No cover | No cover | Maximum period of 12 months from the date of diagnosis | Maximum period of 18 months from the date of diagnosis |
| Traditional Chinese medicineCover is limited to the maximum number of sessions shown per policy year. Treatment must be performed by a medical practitioner. | No cover | No cover | Up to US$50 or £33 or €38 per session, up to a maximum of 15 sessions | Up to US$50 or £33 or €38 per session, up to a maximum of 20 sessions |
| PhysiotherapyMedically necessary physiotherapy when you have been referred on the advice of your doctor to a physiotherapist who is registered to practice physiotherapy in the country where the treatment is administered.After your first 6 sessions of physiotherapy, if you need more sessions you must contact us for pre-authorisation.If your condition is (or becomes) a chronic condition and ongoing treatment is aimed at maintaining rather than curing it, no further payments will be made. | Post-hospital treatment received within the 90-day period following the date you are discharged from hospital, up to US$1,000 or £660 or €750 per policy year | Up to US$250 or £165 or €188 per policy year up to the annual limit for outpatient treatment | Full cover | Full cover |
| Chronic conditions | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Acute flare-upsShort-term treatment to treat acute flare-ups of a chronic condition covered by your plan. | Inpatient, daypatient, and post-hospital treatment received within the 90-day period following the date you are discharged from hospital | Inpatient and daypatient treatment, with cover for outpatient treatment up to the benefit limit for primary medical care | Full cover | Full cover |
| Monitoring and maintenanceRegular consultations, tests, and prescribed medication required to monitor and maintain the stability of a chronic condition. | No cover | Up to the benefit limit for primary medical care | Full cover | Full cover |
| Well-being benefits | ||||
| You are eligible for certain benefits in this section only if you have selected them and they are stated on your certificate of insurance. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Preventive health and well-being (6-month waiting period)Preventive health checks and tests for adults, including blood tests, lung function test, cardiac risk testing, bone densitometry, neurological examination, hearing test, allergy patch testing (lifetime limit of one test per member), smoking cessation aids prescribed by a doctor (up to US$100 or £67 or €75 per policy year), and eye examination (limited to one test per policy year).Cancer screening for adults: annual Papanicolaou test (PAP/smear test); mammogram (one every two years for members aged 45+); annual prostate cancer test (only for members aged 45+); colonoscopy (one every five years for members aged 50+).If you have a Silver or Gold plan, you can select a higher limit to enhance the well-being cover. | No cover | No cover | Up to US$400 or £260 or €300 per policy yearUp to US$750 or £500 or €563 per policy year (if you have selected the enhanced option) | Up to US$1,200 or £780 or €900 per policy yearUp to US$2,000 or £1,330 or €1,500 per policy year (if you have selected the enhanced option) |
| Vaccinations for adultsImmunisation and booster injections required under regulation of the country in which treatment is being given; medically necessary travel vaccinations; malaria prophylaxis; flu jabs; approved COVID-19 vaccinations (where not available free of charge in your country of residence). | No cover | No cover | Up to US$300 or £200 or €225 per policy year | Up to US$500 or £330 or €375 per policy year |
| Well-child benefit (6-month waiting period)Immunisations and booster injections that form part of government-recommended programmes within the child's country of residence, allergy patch testing, and routine developmental check-ups (including vision and hearing).We will waive the waiting period if either parent has been insured on the policy for at least 6 months on the date when children are added to the policy. | No cover | No cover | Up to US$400 or £260 or €300 per policy year | Up to US$800 or £520 or €600 per policy year |
| Rehabilitation treatment | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Rehabilitation treatmentRehabilitation treatment you receive when carried out under the control and supervision of a specialist in a recognised rehabilitation hospital or unit, and only when it immediately follows inpatient treatment for illness or injury covered by your plan.Rehabilitation treatment in the form of a therapy or a combination of therapies (e.g., physical therapy, occupational therapy, speech therapy) after an acute event like a stroke.This benefit is payable only on the written recommendation of your treating specialist and when treatment begins within 30 days of your discharge from hospital. | Up to US$2,000 or £1,330 or €1,500 per policy year | Up to US$2,000 or £1,330 or €1,500 per policy year | Up to US$4,000 or £2,660 or €3,000 per policy year | Up to US$6,000 or £4,000 or €4,500 per policy year |
| Home nursing costs | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Home nursing costsThe medical services of a qualified nurse to treat you in your own home when it is medically necessary and relates directly to an illness or injury covered by your plan. | Up to US$5,000 or £3,330 or €3,750 per medical condition per policy year | Up to US$8,000 or £5,300 or €6,000 per medical condition per policy year | Up to US$10,000 or £6,660 or €7,500 per medical condition per policy year | Up to US$15,000 or £10,000 or €11,250 per medical condition per policy year |
| Lifetime care | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Lifetime limit for all lifetime careThe overall maximum limit to the amount that you can claim for all benefits in the lifetime care section that are covered by your plan during your lifetime. | US$25,000 or £16,600 or €18,750 | US$50,000 or £33,300 or €37,500 | US$50,000 or £33,300 or €37,500 | US$100,000 or £66,600 or €75,000 |
| Hospice and palliative careOn diagnosis of a terminal medical condition covered by your plan, all costs for treatment received on the advice of a medical practitioner or specialist for the purpose of offering relief of symptoms. This includes all hospital or hospice accommodation, and nursing care by a qualified nurse. | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care |
| Artificial life maintenanceTreatment you require after you have already been on artificial life maintenance for 8 weeks. | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care |
| Persistent vegetative state and neurological damageTreatment you require after you have been in hospital for 8 weeks for permanent neurological damage or if you are in a persistent vegetative state. | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care | Up to the lifetime limit for all lifetime care |
| Dental costs | ||||
| You are eligible for certain benefits in this section only if you have selected them and they are stated on your certificate of insurance. | ||||
| All dental treatment must be carried out by a dentist in a hospital emergency room or dental surgery. | ||||
| Treatment for damaged crowns, dentures, bridge work or false teeth is only covered under the Dental Plus benefit. | ||||
| We do not cover orthodontic or periodontic consultations or treatment of any kind. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Emergency restorative treatment you receive as an inpatientInpatient treatment required to restore sound and natural teeth following an accident covered by your plan, provided that treatment is received within 15 days of the accident. | Full cover | Up to US$5,000 or £3,330 or €3,750 per policy year | Full cover | Full cover |
| Emergency restorative treatment you receive as an outpatientOutpatient treatment required to treat or replace sound and natural teeth which are lost or damaged following an accident, provided that treatment is received within 72 hours of the accident. | No cover | No cover | Up to US$500 or £330 or €375 per policy year | Up to US$1,000 or £660 or €750 per policy year |
| Dental Basic (6-month waiting period)We will pay for the following basic dental costs: screening (twice per year); scaling and polishing and sealing (twice per year); fillings (both composite and amalgam); simple extractions; root canal treatment.The benefit is optional on the Silver Lite and Silver plans. It's included as standard on the Gold plan. | No cover | Up to US$500 or £330 or €375 per policy year, subject to a 20% co-insurance (if you have selected the Dental Basic option) | Up to US$1,000 or £660 or €750 per policy year, subject to a 20% co-insurance (if you have selected the Dental Basic option) | Up to US$1,500 or £1,000 or €1,125 per policy year |
| Dental Plus (10-month waiting period)We will pay for the following advanced dental costs: denture repair; full/partial dentures; dental bridges; crowns, inlays, and onlays; dental implants.This benefit is optional on the Silver and Gold plans. Silver policyholders wishing to select Dental Plus must also select the Dental Basic option | No cover | No cover | Up to US$1,500 or £1,000 or €1,125 per policy year, subject to a 20% co-insurance (if you have selected the Dental Plus option) | Up to US$2,000 or £1,330 or €1,500 per policy year, subject to a 20% co-insurance (if you have selected the Dental Plus option) |
| Maternity costs | ||||
| Dependant children included on your policy are not eligible for these benefits. | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Treatment of any newborn born following assisted reproduction (e.g., IVF) and within 36 weeks of conception is limited to the complications of childbirth benefit. | ||||
| Any charges incurred during normal childbirth (including a planned caesarean section) will be paid from the routine maternity care and routine care of newborns benefit. | ||||
| We do not cover pregnancy testing, or pre-natal classes and doulas. | ||||
| We do not cover termination of pregnancy or any treatment or investigations that arise as a result of complications relating to termination of pregnancy (unless there is a threat to the mother's health and treatment is provided in a recognised medical facility). | ||||
| We do not cover breast pumps. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Routine maternity care and routine care of newborns (12-month waiting period)We will pay for the following routine maternity costs: pre-natal tests and examinations; post-natal treatments and examinations; natural childbirth; childbirth by planned caesarean section; any hospital accommodation costs for the newborn; basic newborn healthcare; home birth, where a midwife is present; supplements and vitamins as recommended by a doctor.The limits shown for this benefit apply to each pregnancy, regardless of the number of children born. | No cover | No cover | No cover | Up to US$18,500 or £12,200 or €13,875 per pregnancy |
| Complications of childbirth (12-month waiting period)We will pay for complications experienced in childbirth, including post-partum haemorrhage, retained placental membrane, and childbirth by emergency caesarean section.We will also pay under this benefit for the treatment of any newborn born following assisted reproduction (e.g., IVF) when the birth occurs within 36 weeks of conception. This is subject to a maximum limit of US$30,000 or £20,000, or €22,500. | No cover | No cover | No cover | Full cover |
| Complications of pregnancy affecting the mother (12-month waiting period)Inpatient or daypatient treatment necessary as a direct result of a complication experienced during pregnancy.We will pay only for the following complications (which arise only during pregnancy): ectopic pregnancy, gestational diabetes, pre-eclampsia, miscarriage, threatened miscarriage, stillbirth, and hydatidiform mole (also known as molar pregnancy).We do not provide cover for childbirth under this benefit. | Up to US$4,800 or £3,200 or €3,600 per policy year | Up to US$10,000 or £6,600 or €7,500 per policy year | Up to US$15,000 or £10,000 or €11,250 per policy year | Full cover |
| Treatment for congenital conditions or hereditary conditions for newborn babiesThis benefit is subject to the following conditions: your newborn must be added to your policy within 30-days of birth and any additional premium paid; your newborn must have the same plan as you; either parent must have been insured on a Silver or Gold plan for a minimum of 12 months prior to the birth.The limits shown apply to each pregnancy, regardless of the number of children born. | No cover | No cover | Inpatient or daypatient treatment received within the 90-day period following birth, up to US$10,000 or £6,600 or €7,500 per pregnancy | Inpatient or daypatient treatment received within the 90-day period following birth, up to US$100,000 or £66,600 or €75,000 per pregnancy |
| Expat benefits | ||||
| You are eligible for certain benefits in this section only if you have selected them and they are stated on your certificate of insurance. | ||||
| You must obtain pre-authorisation for all benefits in this section. | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| 24-hour medical assistance helplineIf you have a medical emergency which requires immediate medical assistance, you must contact our 24-hour helpline (provided by the CEGA) at +44 (0) 1243 621 155 or [email protected]. | Full cover | Full cover | Full cover | Full cover |
| Medevac BasicIf you have a life-threatening or limb-threatening condition covered by your plan which requires immediate inpatient treatment that cannot be adequately provided locally, the Assistance Service will arrange for you to be moved by air and/or by surface transportation to the nearest hospital within your coverage zone where appropriate medical treatment is available.We do not cover emergency evacuation to, from or within the United States of America. | Full cover | Full cover | Full cover | Full cover |
| Return airfareFollowing an emergency evacuation covered by your plan, we will pay for your economy return airfare to your country of residence. | Full cover | Full cover | Full cover | Full cover |
| Travel expenses of a companionThe transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. | Full cover | Full cover | Full cover | Full cover |
| Accommodation expenses of a companionIf your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per policy year). | Up to US$75 or £50 or €56 per night | Up to US$100 or £67 or €75 per night | Up to US$150 or £100 or €113 per night | Up to US$250 or £167 or €188 per night |
| Compassionate home visit (12-month waiting period)If a close family member dies during your policy year and after you have been insured by your plan for a continuous period of 12 months, we will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. | Lifetime limit of one claim per member | No cover | Lifetime limit of one claim per member | Lifetime limit of one claim per member |
| Repatriation of mortal remainsIf you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. | Full cover | Up to US$5,000 or £3,330 or €3,750 | Full cover | Full cover |
| Burial or cremationIf you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died.This benefit is not available if a claim is made under the repatriation of mortal remains benefit. | Up to US$1,600 or £1,060 or €1,200 | Up to US$1,600 or £1,060 or €1,200 | Up to US$1,600 or £1,060 or €1,200 | Up to US$1,600 or £1,060 or €1,200 |
| Medevac PlusThe following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you need advanced imaging or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally.We do not cover emergency evacuation or repatriation to, from or within the United States of America.The Medevac Plus benefit is optional on all plans. | Full cover (if you have selected the Medevac Plus option) | Full cover (if you have selected the Medevac Plus option) | Full cover (if you have selected the Medevac Plus option) | Full cover (if you have selected the Medevac Plus option) |
| Accidental death benefit | ||||
| Benefit | Bronze | SilverLite | Silver | Gold |
| Accidental death benefitThe accidental death benefit becomes payable if a member dies as a consequence of an accidental bodily injury that is suffered during the policy year, provided that: the plan was in full force at the time the accidental bodily injury is sustained; death occurs within one year of the date on which accidental bodily injury is sustained; the accidental bodily injury is not caused directly or indirectly by any risk excluded in this agreement or by any special terms stated on your certificate of insurance. | No cover | No cover | No cover | US$15,000 or £10,000 or €11,250 |