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.
Discretionary payments: Any ex gratia payments are at BUPA International's discretion. If we make any payment which you are not entitled to under the scheme, this will still count towards the maximum amount we will pay under your membership. Making these payments does not oblige us to pay them in the future.
We have no obligation to pay for treatment that is not covered by your scheme, even in circumstances where we have paid an earlier claim for a similar or identical treatment.
(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.)
| 4.1 How to make a claim:... |
| 4.3 If you have an annual deductible... |
| 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 |