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

These Notes are very important. Please read them carefully along with the table of benefits as they set out the details of your cover and apply to each person covered under your membership.

What is covered - your benefits in detail

All the benefit limits in this table of benefits and Notes are set out in £sterling, US$ and €Euros. The currency in which you pay us your subscriptions, being either £sterling, US$ and €Euros, is the currency that applies to your membership for the purpose of the benefit limits. For example, if you pay us subscriptions in £sterling then the benefit limits given in £sterling apply to your membership and US$ and €Euro limits do not apply to you. If you are unsure which level of cover you have, the currency that applies to your membership, or whether you have an annual deductible, please phone us.

Note 1: Out-patient treatment

This is treatment which does not normally require a patient to occupy a hospital bed. We pay the out-patient treatment charges explained in the following Notes. Please remember that a consultant, therapist or complementary medicine practitioner must provide the treatment.

If you are covered under the Essential level please remember that you only have out-patient cover under the scheme for out-patient surgical operations, MRI, CT and PET scans and out-patient treatment for cancer, as set out in Notes 1c and 1d

Note 1a: Consultants' fees for consultations; pathology, X-rays, diagnostic tests; costs for treatment by therapists or complementary medicine practitioners; medical practitioners' fees for psychiatric treatment.

We pay up to a total amount of £3,000 sterling, US$ 4,800 or €Euros4,500 (April 2003) as applicable each membership year for the following out-patient treatment set out in this Note 1a. This is the overall total amount we will pay for all such treatment received each membership year by the person covered under the scheme.

* Consultants' fees for consultations.

We pay consultants' fees for consultation carried out as out-patient treatment. This means a meeting with a consultant to assess your condition.

* Pathology, X-rays and diagnostic tests

We pay charges for pathology such as checking blood and urine samples for specific abnormalities, radiology (such as X-rays) and diagnostic tests (such as electrocardiograms), when recommended by your consultant to help determine or assess your condition as part of out-patient treatment.

* Costs for treatment by therapists or complementary medicine practitioners

We pay fees for out-patient treatment by therapists and complementary medicine practitioners.

* Medical practitioners' fees for psychiatric treatment

We pay medical practitioners' fees for psychiatric treatment and psychologists' fees for psychiatric treatment which you receive as out-patient treatment after you have been a member of the scheme (or any BUPA scheme which includes cover for psychiatric treatment) for the whole of the two years leading up to the treatment.

Introduction
What is not covered?
Making a claim
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

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