since 11/2000
Company Platinum - health plan for employees in Latin America and the Caribbean
Liberty Commercial Premises insurance
Liberty: Seguro de Comunidades
Patrocinadores - América Latina y el Caribe
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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 2h: Parent accommodation (staying with a child under 18)
We pay hospital charges for the cost of hospital accommodation for each night you need to stay with your child in hospital. This is limited to only one parent each night.
Your child must be:
* aged under 18, and
* either a member in his or her own right, or included in a family membership, and
* receiving hospital in-patient treatment for which the child is covered under their membership
| 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 |