Membership guide - International health insurance / medical cover / assurances santé / seguro médico / 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 1d: Cancer treatment

We pay in full for consultants' fees that are related specifically to planning and carrying out out-patient treatment for cancer.

We also pay hospital charges in full for tests and drugs (such as cytotoxic drugs) that are related specifically to planning and carrying out out-patient treatment for cancer.

If you are covered under Essential level please remember that you are not covered for consultants' fees for out-patient consultations. This means that we will not pay for follow-up out-patient consultations such as check-ups, that you may need after your treatment for cancer.

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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