since 11/2000
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international health, medical and travel insurance cover
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Liberty: Seguro de Comunidades
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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 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 3f: for Classic and Gold level cover only. Routine maternity cover
If you are covered under the Classic or Gold level we pay for medical expenses related to normal pregnancy up to the benefit limits set out below (April 2003 limits):
Classic level cover: we pay up to £sterling2000, US$3600 or €Euros3000, as applicable, each membership year
Gold level cover: we pay up to £sterling4000, US$7200 or €Euros6000, as applicable, each membership year
We cover costs for medical expenses related to normal pregnancy that you incur after you have been covered under the Classic or Gold level cover for the whole of the 10 months before you incurred the medical expenses.
By medical expenses related to normal pregnancy we mean, for example:
* ante-natal care such as ultrasound scans
* hospital charges, obstetricians' and midwives' fees for normal childbirth
* post-natal care required by the mother immediately following normal childbirth, such as stitches
* secondary conditions brought about by pregnancy such as backache, high blood pressure, vaginal bleeding, nausea and vomiting
Costs for treatment for complications of pregnancy or childbirth are not payable under your routine maternity cover. Such treatment is excluded from cover under the scheme. However, certain acute conditions are covered to the extent set out in the 'Exceptions' under 'Pregnancy and Childbirth' in the 'What is not covered?' section
| 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 |