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 2: In-patient and day-case treatment

Day-case treatment is treatment which for medical reasons normally means you have to stay in bed in a hospital during the day, but not overnight. And in-patient treatment is treatment which for medical reasons means you have to stay overnight or longer in hospital. We pay for the day-case and in-patient treatment charges as explained in these Notes. Please remember that we will only pay for the treatment if it is provided by a consultant.

Hospitals

We pay hospital charges for day-case and in-patient treatment for:

* accommodation - see Note 2a

* nursing care, drugs and surgical dressings - see Note 2b

* theatre charges and intensive care - see Note 2d

* pathology, X-rays, MRI, PET and CT scans, diagnostic tests and physiotherapy - see Note 2e

* parent accommodation (accompanying a child under 18) - see Note 2h

The hospital charges we will pay are explained more fully in the Notes.

To ensure you are paid in full for these hospital charges, it is important that the day-case or in-patient treatment is provided by a consultant in a recognised hospital and that:

* it is medically essential for you to occupy a hospital bed to receive the treatment, and

* you occupy a hospital room which is no more expensive than the hospital's single room with en suite bathroom, and

* your room is used only for you to receive day-case or in-patient treatment covered under your membership.

Staying in hospital for longer than 10 days

If you need to stay in hospital for longer than 10 days you must send us a medical report if this is reasonably practical for you to do so. The report must reach us before your eighth night in hospital.

The consultant must tell us in the report:

* the exact diagnosis, and

* what treatment you have received so far, and

* what treatment you are going to have in the future, and

* what date you are expected to leave hospital

Note 2b: Nursing care, drugs and surgical dressings

We pay hospital charges for nursing services, drugs and surgical dressings you need as part of your day-case or in-patient treatment.

We do not pay charges for the costs of drugs and surgical dressings you receive for out-patient treatment or use at home unless you have Lifeline Gold cover.

( Please read Note 3d in this section and 'Drugs and dressings' in the 'What is not covered?' section )

We do not pay hospital charges for extra nurses hired in addition to the hospital's own staff. In the rare case where a hospital does not provide nursing staff we will pay for the reasonable cost of hiring a qualified nurse for your 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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