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The International Health and Hospital plan allows you the flexibilty to pick and choose what benefits you require and what you do not. The Hospital plan is compulsory for all applicant and provides core benefits to all applicants. You then have the option to add various modules to your core hospital plan to build a health plan to suit your needs. The modules are explained in further detail below:
Hospital Plan: (Compulsory)
Reimbursements under the Hospital Plan are effected at 100% of the expenses, unless you have chosen a deductible. In this case, you will be reimbursed as soon as qualified expenses exceed the amount of the deductible. Reimbursements will not in any event exceed the following amounts or the overall annual maximum cover per person per policy year of EUR 1,500,000/GBP 1,200,000/USD 1,800,000.
| Hospital Services - During Hospitalisation |
100% |
| Semi-private/private room |
100% |
| Intensive care room |
100% |
| Room and board for a parent accompanying an insured child |
100% |
| Surgery |
100% |
| Medical treatment, laboratory tests, X-rays |
100% |
| Medicine while in hospital |
100% |
| Pacemaker |
100% |
| Psychiatric treatment |
100% |
| Outpatient Treatment in a Hospital or Clinic |
| Surgery |
100% |
| Chemotherapy, radiotherapy |
100% |
| Dialysis |
100% |
| Other outpatient treatment is reimbursed under Module 1 Non-Hospitalisation Benefits |
| |
EUR
|
GBP
|
USD
|
EUR
|
GBP
|
USD
|
| Childbirth |
Hospital Plan |
Hospital Plan,
plus Module 1 |
Normal delivery, complicated delivery and elective caesarean delivery, incl. pre- and
postnatal treatment
Max. per delivery |
100%
5,200 |
100%
3,575 |
100%
6,500 |
100%
8,800 |
100%
6,050 |
100%
11,000 |
Medically prescribed caesarean, incl. pre- and postnatal treatment
Max. per delivery |
100%
9,650 |
100%
6,650 |
100%
12,000 |
100%
11,500 |
100%
7,800 |
100%
14,000 |
Delivery/caesarean following fertility treatment
Excluding pre- and postnatal treatment, max. |
100%
4,000 |
100%
2,750 |
100%
5,000 |
100%
6,500 |
100%
4,400 |
100%
8,000 |
| The above maximum rates for maternity shall be reduced by the deductible chosen |
| |
EUR
|
GBP
|
USD
|
| Childbirth / Home Delivery |
| Doctor/specialist, midwife |
145
|
100
|
165
|
| Home nursing in connection with home delivery |
435
|
300
|
490
|
| Pre- and postnatal examinations are reimbursed under Module 1 Non-Hospitalisation Benefits |
| Organ Transplant |
| Organ transplant |
100%
|
100%
|
100%
|
Per diagnosis and course of treatment all included, max.
Only human organs
The procurement of the organ must be pre-approved by the Company |
270,000
|
187,500
|
300,000
|
| Emergency Room Treatment |
| Emergency room treatment in connection with acute illness or accident |
100%
|
100%
|
100%
|
| Local Transport by Ambulance |
| Medically prescribed transport to and from hospital |
100%
|
100%
|
100%
|
| Per policy year, max. |
1,500
|
1,000
|
1,600
|
| Rehabilitation |
| Medically prescribed rehabilitation in connection with treatment at an authorised rehabilitation centre |
100%
|
100%
|
100%
|
| Max. per day for max. 3 months per illness |
330
|
220
|
355
|
| Home Nursing |
| For expenses incurred for medically prescribed assistance in your private home by a certified nurse |
100%
|
100%
|
100%
|
| Max. per day for max. 40 days per policy year |
130
|
84
|
135
|
| Hospital Cash Benefit |
| If room, board and treatment are received free of charge, per night max. |
90
|
60
|
100
|
| Max. 60 nights per policy year (must be pre-approved by the Company) |
| Emergency Dental Treatment |
| Acute emergency dental treatment due to serious accident requiring hospitalisation |
100%
|
100%
|
100%
|
| In case of doubt, the decision will be left with the Company's dental consultant |
| Online Services |
- Manage your policy online, e.g. online payments, status on recent claims
- General health advice and second opinions from IHI’s medical consultants
- Access to a range of health related information
and much more...
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Module 1: Non-hospitalisation Benefits
Reimbursements under this supplementary module are effected at 100% of the expenses, unless you have chosen a deductible. In this case you will be reimbursed as soon as qualified expenses exceed the amount of the deductible.
Reimbursements will not in any event exceed the following amounts or the annual maximum limit of EUR 35,000/GBP 25,000/USD 35,000.
| |
EUR
|
GBP
|
USD
|
| General Practitioners and Specialists |
| GP consultations, per consultation |
80
|
60
|
80
|
Chinese doctor consultation (if charged separately), per consultation
Max. EUR 200/GBP 150/USD 200 per policy year |
20
|
15
|
20
|
| Eye and ear specialists/other specialists, per consultation |
110
|
85
|
115
|
| Psychiatrists, per consultation |
125
|
80
|
130
|
| Expenses are reimbursed for a max. of 15 consultations within a 30-day period |
| Therapists |
Dietetic guidance, speech therapy per consultation
Max. 4 consultations per policy year |
50
|
40
|
50
|
| Physiotherapy, ergotherapy per consultation |
75
|
55
|
75
|
| Max. per policy year |
1,050
|
700
|
1,200
|
| Chiropractor/osteopath all inclusive, per consultation |
65
|
50
|
65
|
| Max. per policy year |
1,050
|
700
|
1,200
|
| Medical Check-Up all inclusive, per year |
275
|
250
|
300
|
| Examinations and other Medical Assistance |
| Laboratory test, analysis 450 305 500 |
450
|
305
|
500
|
| X-ray |
450
|
305
|
500
|
| ECG |
450
|
305
|
500
|
| Scan and endoscopic examinations, per examination |
675
|
450
|
750
|
| Injection and vaccination |
55
|
40
|
60
|
Acupuncture and homeopathic treatment, performed by a physician
Acupuncture and homeopathic treatment shall only be covered when performed by a physician/doctor authorised in the country of practise |
55
|
35
|
60
|
| Special assistance |
290
|
200
|
325
|
Module 2: Medicine & Appliances
Reimbursements under this module are according to the list below. If you have chosen a deductible, you will be reimbursed when qualified expenses exceed the deductible.
| |
EUR
|
GBP
|
USD
|
| Hearing Aids |
50%
|
50%
|
50%
|
| Prescribed hearing aids, per appliance, max. |
300
|
200
|
325
|
| Max. 2 appliances are reimbursed per policy year up to max. |
600
|
400
|
650
|
| Other Appliances |
| Slings and bandages |
100%
|
100%
|
100%
|
| Arch support |
100%
|
100%
|
100%
|
| Rent of medical appliances |
100%
|
100%
|
100%
|
| Medicine |
Prescribed medicine and traditional Chinese medicine
Traditional Chinese medicine administered by a traditional Chinese practitioner up to 10 sessions per policy year, up to an annual max. of EUR 250 / GBP 175 / USD 300
Limited to recognised traditional Chinese practitioners registered to practice locally |
100%
|
100%
|
100%
|
| There is no reimbursement for homeopathic or naturopathic medicines and medicine which could have been purchased without a physician’s prescription |
| Medicine and other appliances are reimbursed up to an annual max. |
2,250
|
1,500
|
2,500
|
Module 3: Medical Evacuation & Repatriation
Medical Evacuation & Repatriation covers transportation to a qualified place of treatment if you have a serious illness or injury.
| Medical Evacuation & Repatriation |
| Transportation expenses by aeroplane or helicopter |
100%
|
| Accompanying person |
100%
|
| Return journey to residential address abroad/home country within 3 months after completion of treatment |
100%
|
| Statutory arrangements in case of death, such as embalming and zinc coffin Transportation of the urn/coffin |
100%
|
| Expenses are covered up to the overall annual insurance sum of your policy |
In all circumstances, we must be notified before the transport takes place, either directly or through the attending physician
Medical Evacuation & Repatriation must be pre-approved by the Company |
Module 4A & 4B: Dental & Optical
Reimbursements under these two modules are effected at 50-80%, but they will not in any event exceed the following amounts or the respective annual maximums of Module 4A: EUR 5,000/GBP 3,500/USD 5,000 and Module 4B: EUR 7,500/GBP 5,000/USD 7,500.
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Module 4A |
Module 4B |
| Routine Dental Treatment |
80% |
80% |
80% |
80% |
80% |
80% |
| Examinations, max. |
20
|
15
|
20
|
40
|
30
|
40
|
| Tooth cleaning, max. |
40
|
25
|
40
|
60
|
35
|
60
|
| Fillings per tooth, max. |
60
|
40
|
60
|
110
|
65
|
110
|
| Root treatment per tooth, max. |
70
|
45
|
70
|
140
|
96
|
140
|
| Tooth extractions per tooth, max. |
40
|
20
|
40
|
100
|
60
|
100
|
| Surgery, max. |
73
|
50
|
81
|
174
|
120
|
195
|
| X-ray, max. |
40
|
20
|
40
|
50
|
35
|
50
|
| Anesthesia, max. |
15
|
10
|
15
|
20
|
15
|
20
|
| Special assistance, max. |
40
|
30
|
40
|
80
|
52
|
80
|
| Special Dental Treatment |
|
|
|
|
|
|
Bridgework
Crowns
Periodontitis
Orthodontics (tooth adjustment)
Dentures |
50%
|
50%
|
50%
|
50%
|
50%
|
50%
|
Special dental treatment per policy
year, max. |
2,000
|
1,500
|
2,000
|
3,000
|
2,250
|
3,000
|
| Glasses and Contact |
Module 4A |
Module 4B |
| Lenses |
80% |
80% |
80% |
80% |
80% |
80% |
| One pair of glasses (excl. frames) per policy year, max. |
160
|
100
|
160
|
220
|
150
|
220
|
| Contact lenses, per policy year, max. |
100
|
60
|
100
|
130
|
80
|
130
|
| Contact lenses, per policy year, max. |
Deductible Options
You can choose to take out your insurance:
With or without a deductible. The deductibles available are:
USD: 400, 1,600, 5,000 and 10,000
EUR: 350, 1,050, 4,000, 8,000
GBP: 250, 750, 2,750, 5,500
Denominated in US Dollars, Euros or Pounds Sterling.
The chosen currency is binding, meaning that you cannot switch currency.
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