Membership guide - International health insurance / medical cover / seguro médico / assurances santé / krankenversicherung / salute / saúde / seguro salud

It's only natural for you to feel anxious at a time of ill-health. We will do everything we can to help make your claim as simple and straightforward as possible.

4.2 How your claim will be paid

We appreciate that once you have treatment, you may not want to have to worry about arranging payment for your treatment. We will try to pay eligible claims direct to the provider of your treatment, such as your hospital or consultant.

See Direct payment and Paying invoices yourself in this section.

We reserve the right to send any benefit to the principal member of your membership if they have settled a bill for you, or to the executor of your will.

We will, of course, write to the principal member to confirm how we have dealt with your claim.

We make all payments either by:

* cheque or electronic transfer in the currency in which you pay your subscriptions, or

* cheque or electronic transfer in currency of the invoices you send us.

We cannot pay you in any other currency.

Payment will be made by electronic transfer when bank account and address details are provided. This payment method and banking of cheques may result in charges by your bank, which are your responsibility.

If we have to make a conversion from one currency to another we will use the exchange rate, as detailed below, that applies on either the date on which the invoices were issued or the last date of the treatment, whichever is later. The exchange rate will be the average of the buying and selling rates across a wide range of quoted rates by the banks in London on each working day. If the date on which the invoices were issued or the last date of treatment, whichever is the latter date, is not a working day we will use the exchange rate that applies on the last working day before that date.

Sometimes, the international banking regulations do not allow us to make a payment in the currency you have asked for. If so, we will send a payment in the currency of your subscriptions.

Please remember that it is your responsibility to pay any charges which are not eligible for payment under your cover.

Discretionary payments

Direct payment

Paying invoices yourself

4.1 How to make a claim:...

4.3 If you have an annual deductible...

Making a claim

Introduction
What is covered?
What is not covered?
Paying subscriptions and other charges
Important events
General Information
Making a complaint
Glossary
Medical words and phrases

Index

Lifeline:

* provides international private medical insurance for people living or working abroad for at least six months of the year

* for individuals and their families

* three different levels of cover to meet any client's needs:

	Product description (and limits)	Cost	Cost - with option of deductibles
Essential	Essential	Essential	Essential
Classic	Classic	Classic	Classic
Gold	Gold	Gold	Gold

* three areas of cover:

- worldwide including the USA & Canada

- worldwide excluding the USA & Canada

- Hong Kong Worldwide excluding USA and Canada

Exception - Gold cover offers Hong Kong excluding USA.

* optional evacuation cover

* payment of subscriptions - £ sterling, Euro €

- annually

- quarterly

- monthly

Company Scheme ( Castellano Deutsch Français Português )

For more information please contact me:
email	*dmh@e-consultas.com*
Fax:	(00 34) 91 8032484
'phone:	(00 34) 609 522 300
Also more information on..	www.e-healthinsuranceservices.com

BUPA insurance products

main index / índice principal

Disclaimer / Aviso

A Coruña	Álava	Albacete	Alicante	Almería	Asturias	Ávila	Badajoz	Balearic Islands	Barcelona	Burgos	Cáceres
Cádiz	Cantabria	Castellón de la Plana	Ceuta	Ciudad Real	Córdoba	Cuenca	Girona	Granada	Guadalajara	Guipúzcoa	Huelva
Huesca	Jaén	La Rioja	Las Palmas	León	Lleida	Lugo	Madrid	Málaga	Melilla	Murcia	Navarra
Ourense	Palencia	Pontevedra	Salamanca	Segovia	Sevilla	Tarragona	Tenerife	Teruel	Toledo	Valencia
Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete