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 3: Other benefits

Depending on your Lifeline level of cover we pay for the following benefits up to the amounts shown below and in the table of benefits.

Note 3c: for Gold level only. Emergency dental treatment.

If you are covered under the Gold level we pay up to a total amount of £sterling400, US$700 or €Euro600 (April 2003 rates) as applicable each membership year for emergency dental treatment that you receive from your dental practitioner during your first visit and the 14 days immediately following that first visit for each dental emergency you have during the membership year. We do not have to pay for any dental treatment, related to that dental emergency, that you receive after the 14 days.

By eligible emergency dental treatment we mean emergency dental treatment consisting of:

* dental examination

* radiography ( for example an X-ray)

* replacement of a lost filling

* extraction of a tooth (or tooth root)

* stopping abnormal heavy bleeding (haemorrhage)

* cutting into an abscess

* dressing a root canal

* prescribed antibiotics

* re-cementing a crown, bridge or inlay

* adjustment or repair of a denture

* construction and fitting of a temporary crown

* call-out charge

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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