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 4: Assistance Cover

Assistance Cover is an optional benefit. Your membership certificate will show if you have chosen this benefit. We provide three levels of Assistance Cover, each of which is described below. The level you have chosen, if any, is shown on your membership certificate. Purchase of Assistance Cover must be at the same time as your purchase of cover under the scheme. For questions about Assistance Cover please contact us info @ bupa-intl.com. Lines are open 24 hours a day, 365 days a year

Note 4b: Evacuation cover

Evacuation cover is an optional level of Assistance Cover. If you have Evacuation cover it will be shown on your membership certificate. If you are still unsure please contact us or email info @ bupa-intl.com

Arrangements for evacuation will be made by our appointed representatives if you call +44 (0) 1273 333911. Lines are open 24 hours a day, 365 days a year.

What is covered

We will pay in full your reasonable transport costs for you to be evacuated for day-case and in-patient treatment if all the following criteria are met:

* you were covered by Evacuation cover before you needed the treatment requiring evacuation, and

* the treatment you need is covered under your membership, and

* the treatment is recommended by your doctor and, for medical reasons, is not available locally. This must be confirmed in advance by calling BUPA International's appointed representatives on +44 (0) 1273 333911. You must provide us with any information or proof that we may reasonably ask you for to support your request.

We will only pay if all arrangements for your evacuation are made by BUPA International's appointed representatives on +44 (0) 1273 333911. Doctors from BUPA International's appointed representatives will discuss all relevant factors with your own doctor before authorising payment for an evacuation.

Evacuation will not be authorised if this would be contrary to medical advice.

We will only pay for the evacuation of the person requiring the treatment to the nearest place where the treatment is available. This could be to another part of the country which you are in if this is appropriate. Please note that the nearest country may not be your home country.

We will pay for the reasonable travel costs for another BUPA International member to accompany them but only if it is medically necessary.

We will also pay for the reasonable costs of the person receiving the treatment and the accompanying member's return journey to the place they were evacuated from. All arrangements for your return should be approved in advance by BUPA International and the journey must be made within 14 days of the end of the treatment for which the evacuation took place. We will pay for costs incurred, either:

* the actual reasonable cost of transportation of the return journey by the most direct route available by land or sea, or

* the cost of an economy class air ticket by the most direct route available whichever is the lesser amount

We do not pay for any other costs related to the evacuation such as hotel accommodation.

Costs of any treatment you receive are not payable under this benefit, but are paid under, and according to, the other benefits set out in the table of benefits

Evacuation cover includes access to Healthline cover - see Note 4a

Healthline (Optional) - information	Medical Evacuation (Optional) - information	Repatriation cover (Optional) - information
Healthline Essential (cost)	Evacuation Essential (cost)	Repatriation Essential (cost)
Healthline Classic (cost)	Evacuation Classic (cost)	Repatriation Classic (cost)
Healthline Gold (cost)	Evacuation Gold (cost)	Repatriation Gold (cost)

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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