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 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 4c: Repatriation cover

Repatriation cover is an optional level of Assistance Cover. If you have Repatriation cover it will be shown on your membership certificate. If you are still unsure please contact our Customer Services Team or email info @ bupa-intl.com. Lines are open 24 hours a day, 365 days a year.

What is covered

We will pay in full your reasonable transport costs to your specified country of nationality for day-case or in-patient treatment. We will pay for one repatriation per illness or injury and we will only pay if all of the following criteria are met:

* you were covered by Repatriation cover before you needed the treatment requiring repatriation, 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 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 for your repatriation if all arrangements for your repatriation are approved in advance by BUPA international's appointed representatives. Doctors from BUPA international's appointed representatives will discuss all relevant factors with your own doctor before authorising payment for a repatriation.

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

We will also pay the reasonable costs for a relative or your partner to accompany you to your specified country of nationality if we have authorised this in advance of the repatriation. We will also pay an allowance of up to £sterling25, US$40 or €Euros37 (April 2003 rates) per day for up to 10 days to cover the living expenses incurred by the person accompanying you.

We will pay for you and the person accompanying you to return to where you were repatriated from. All arrangements for your return must be approved in advance by BUPA International and you must take the return journey within 14 days of the end of the treatment you were repatriated for.

We will pay 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 a scheduled return economy class air ticket by the most direct route available

whichever is the lesser amount.

Costs of any treatment you receive are not payable under this benefit, but paid under and according to the other benefits set out in the table of benefits. Full details of your cover for treatment are set out in the table of benefits and the Notes to the table of benefits.

Repatriation cover also includes access to Healthline cover and Evacuation cover - see Notes 4a and 4b

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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