Medical expenses. IHI Travel insurance - for leisure, study or business ( Single trip or annual cover ) BUPA Group

6.2 Treatment by authorised physicians and specialists, prescribed hospitalisation, prescribed medicines and local transport to and from the place of treatment shall be compensated at 100% of the expenses.

6.3 Treatment by physiotherapists and chiropractors prescribed by an authorised physician shall be compensated at 100% of the expenses, not exceeding, however, USD 2,500 / EUR 2,000 / CHF 3,400 per insured.

6.4 Provisional pain-stilling dental treatment by authorised dentists and prescribed medicines in connection herewith shall be compensated within a maximum of USD 200 / EUR 165 / CHF 270 per insured.

6.5 The insurance shall not cover expenses for treatment of pre-existing, chronic or recurrent illnesses and disorders if the insured:

a) has been hospitalised within 6 months prior to commencement of the insurance period or, if IHI Annual Travel has been chosen, prior to each departure from the country of permanent residence,

b) has been treated by a physician (routine check-ups excepted) within 6 months prior to the commencement of the insurance period or, if IHI Annual Travel has been chosen, prior to each departure from the country of permanent residence,

c) has had a change of medication within 6 months prior to commencement of the insurance period or, if IHI Annual Travel has been chosen, prior to each departure from the country of permanent residence,

d) has not received medical treatment, has refused or given up treatment, even though the insured should know that the illness / disorder ought to be treated, or has deteriorated,

e) has reached a state where any attempt of further treatment has been abandoned, or has refused treatment,

f) is waiting to receive treatment, or has been referred to another place of treatment,

g) has omitted to go to prearranged controls.

The insurance does not cover expenses for control, treatment and medicines in connection with stabilisation and regulation of a pre-existing, chronic or recurrent illness / disorder. The insurance does not cover a need for treatment which was expected before departure.

6.6 Physicians, specialists, dentists, etc. performing the treatment must have authorisation in the country of practice. Furthermore, the method must be approved by the public health authorities in the country where the treatment takes place. Methods of treatment not yet approved by the public health authorities, but under scientific research, will only be covered if approved in advance by the Company's medical consultants.

6.7 The Company has the right to demand that the insured be repatriated in order to receive treatment in the country of permanent residence, if the Company's medical consultant and the treating physician agree that treatment can be postponed until the insured has been transferred to his / her country of permanent residence.

Art 1 - Acceptance of the insurance	Art 10 - Next-of-kin Accompaniment and Compassionate Emergency Visit
Art 2 - Date of commencement and extensions	Art 11 - Exceptions for compensation
Art 3 - Who is covered by the insurance?	Art 12 - How to report a claim
Art 4 - Where is cover provided?	Art 13 - Cover by third parties
Art 5 - What is covered by the insurance?	Art 14 - Payment of premium
	Art 15 - Necessary information to the Company
Art 7 - Medical evacuation	Art 16 - Assignment, cancellation and expiry
Art 8 - Return trip	Art 17 - Disputes, venue, etc
Art 9 - Compassionate Emergency Repatriation

IHI Single Trip

IHI Annual Travel.

IHI Travel Cover and Benefits

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Telephone	(+34) 91 8043802
Mobile	(+ 34) 609 522 300
Fax	(+ 34) 91 8032484
email	saniprof@mail.ddnet.es

BUPA Travel insurance

Travel insurance for business trips (for all employees including board members, travelling spouses, children and guests for a combined company total of over 200 days a year)

Travel insurance within the Schengen area (eg for people applying for an entry visa to the Schengen area with an insured amount of at least 30,000 euros)

Seguro de viaje para los negocios (la compañía decide quién puede ser cubierto, incluyendo los miembros del consejo directivo, esposas, hijos y invitados - con un mínimo global para toda la compañía de 200 días al año)

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