since 11/2000
boat and golf insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
Company Platinum - health plan for employees in Latin America and the Caribbean
dental and medical insurance plans
English insurance agent in Spain
health insurance Czech Republic
international health, medical and travel insurance cover
international travel insurance
Liberty Commercial Premises insurance
Liberty: Seguro de Comunidades
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Patrocinadores - América Latina y el Caribe
Retirement? How about retiring to Spain?
Teachers - international health cover (Spain)
www.e-healthinsuranceservices.com
Lifeline membership guide (from 1.4.2003) (Membership Guide 2008)
Making a claim
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.
4.3 If you have an annual deductible
If you have purchased cover including an annual deductible, the amount of the annual deductible will be shown on your membership certificate. if you are unsure whether your cover is subject to an annual deductible please call us on +44 (0) 1273 323563
Important - please remember that:
* the amount of the annual deductible applies separately to each person included on your membership
* even if the amount you are claiming is less than the amount of the annual deductible, you must submit a claim to BUPA International. This will allow us to include all eligible amounts you are claiming against the annual deductible
* the annual deductibles apply each membership year. Therefore, if a claim spans your renewal date the annual deductible will be re-applied for treatment received after the renewal date
* in order for us to collect any amounts that may become due under the annual deductible, you must have a valid direct debit agreement or credit card authority with us at all times during your membership year. We reserve the right to suspend or terminate your cover if you do not have such an agreement or authority in place.
How an annual deductible works: before BUPA will start paying benefits you must pay an amount towards the cost of treatment which would otherwise be payable by BUPA International. For example, if the amount of your annual deductible is £sterling500, we will not pay the first £sterling500 of costs for treatment each membership year if we would otherwise have paid for that treatment.
How claims will be settled: if the amount of the claim is less than the amount of the annual deductible, no benefits will be paid and the full payable amount of the claim will be accumulated towards the total value of the annual deductible. Subsequent claims will be calculated against the remaining annual deductible.
Once the annual deductible has been satisfied, benefits will be paid in accordance with the table of benefits.
If you submit a claim and have asked us to pay you:
* benefits will be paid less the amount of the annual deductible
* we will send you a statement showing how your claim has been calculated including any amounts set against the annual deductible
If you have requested that we make a payment direct to your medical provider:
* payment will be sent inclusive of any annual deductible amount payable by you to the provider
* we will then collect any sums payable by you using the direct debit mandate or credit card authority, depending on which is your usual method of payment
* we will also send you a statement showing the amount of the annual deductible that BUPA International will be collecting from your account.
You are responsible for paying the annual deductible in all circumstances.
| 4.1 How to make a claim:... |
| 4.2 How your claim will be paid... |
| 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 |
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.
* payment of subscriptions - £ sterling, Euro €
- annually
- monthly
Company Scheme ( Castellano Deutsch Français Português )
| For more information please contact me: | |
| dmh@e-consultas.com | |
| Fax: | (00 34) 91 8032484 |
| 'phone: | (00 34) 609 522 300 |
| Also more information on.. | www.e-healthinsuranceservices.com |