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)
traducciones juradas (sworn translations)
www.e-healthinsuranceservices.com
Lifeline membership guide (from 1.4.2003)
What is covered?
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 2d: Theatre charges and intensive care
We pay hospital charges for using an operating theatre for day-case or in-patient treatment covered by your membership.
We pay hospital charges for intensive care in an intensive care unit, intensive therapy unit, high dependency unit or cardiac care unit if the hospital in which you receive your day-case or in-patient treatment is equipped with such a unit and if:
* intensive care is routinely required after the treatment, such as after heart or brain surgery, or
* intensive care is medically essential due to unexpected circumstances arising from treatment that does not routinely require intensive care, in which case your consultant should contact us at the earliest opportunity.
| 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 |
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 |