IHHP Health Plan - Benefits

The International Health and Hospital plan allows you the flexibility to pick and choose what benefits you require and what you do not. The Hospital plan is compulsory for all applicants 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)
Module 1 - Non-Hospitalization Benefits
Module 2 - Medicines and Appliances
Module 3 - Medical Evacuation and Repatriation
Module 4a & 4b - Dental and Optical
Deductible Options

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	Benefit
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/ Clinic	Benefit
Surgery	100%
Chemotherapy/ Radiotherapy	100%
Dialysis	100%
Other outpatient treatment is reimbursed under Module 1 Non-Hospitalisation Benefits

Childbirth	Euro	GBP	USD	Euro	GBP	USD
	Hospital Plan			Hospital Plan + Module 1
Normal delivery, complicated delivery and elective caesarean delivery, incl. pre- and postnatal treatment	100%	100%	100%	100%	100%	100%
Maximum per delivery	5,200	3,575	6,500	8,800	6,050	11,000
Medically prescribed caesarean, incl. pre- and postnatal treatment	100%	100%	100%	100%	100%	100%
Maximum per deliver	9,650	6,650	12,000	11,500	7,800	14,000
Delivery/caesarean following fertility treatment	100%	100%	100%	100%	100%	100%
Excluding pre- and postnatal treatment, max.	4,000	2,750	5,000	6,500	4,400	8,000
The above maximum rates for maternity shall be reduced by the deductible chosen

Childbirth/ Home Delivery	Euro	GBP	USD
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	Euro	GBP	USD
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	Euro	GBP	USD
Emergency room treatment in connection with acute illness or accident	100%	100%	100%

Local Transport by Ambulance	Euro	GBP	USD
Medically prescribed transport to and from hospital	100%	100%	100%
Per policy year maximum	1,500	1,000	1,600

Rehabilitation	Euro	GBP	USD
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	335

Home Nursing	Euro	GBP	USD
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	Euro	GBP	USD
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	Euro	GBP	USD
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...

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.

General Practitioner and Specialists	Euro	GBP	USD
GP consultations, per consultation	105	85	115
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	Euro	GBP	USD
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	Euro	GBP	USD
All Inclusive Check-up, per year	275	250	300

Examinations and other Medical Assistance	Euro	GBP	USD
Laboratory test, analysis	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 practice	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.

Hearing Aids	Euro	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	Euro	GBP	USD
Slings and Bandages	100%	100%	100%
Arch Support	100%	100%	100%
Rent of Medical Appliances	100%	100%	100%

Medicine	Euro	GBP	USD
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%
Medicine and other appliances are reimbursed up to an annual max.	2,250	1,500	2,500
There is no reimbursement for homeopathic or naturopathic medicines and medicine which could have been purchased without a physician’s prescription

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 and Repatriation	Benefit
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.

Routine Dental Treatment	Euro	GBP	USD	Euro	GBP	USD
	Module 4a			Module 4b
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	Euro	GBP	USD	Euro	GBP	USD
	Module 4a			Module 4b
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 Lenses	Euro	GBP	USD	Euro	GBP	USD
	Module 4a			Module 4b
Total Coverage	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.

Any Questions?

Plan Documents