International health insurance - Zone 5 ( list of countries )

*Andorra*	*Antarctica*	*Armenia*
*Australia*	Austria	*Azores*
*Belarus*	*Belgium*	*Bhutan*
Bulgaria	*Burkina Faso*	*Burundi*
*Canada*	*Central African Republic*	*Christmas Island*
*Cocos ( Keeling ) Islands*	*Congo (Brazzaville)*	*Congo (Kinshasa)*
Cook Islands	*Cyprus*
	*East Timor*	Equatorial Guinea
*Estonia*	*Fiji*	*Finland*
*France*	*French Guyana*	*French Polynesia*
*French Southern Territories*	*Gabon*	*Georgia*
*Germany*	*Guam*	*Heard and McDonald Islands*
Herm	*Kenya*	*Kiribati*
		*Korea, Democratic People's Republic*
*Kyrgyzstan*	*Laos, People's Democratic Republic*	*Latvia*
*Macau*	*Malawi*	*Maldives*
*Marshall Islands*	Mauritius	Mayotte
*Micronesia Federated States*	*Moldova, Republic of*	*Myanmar*
*Namibia*	*Nauru*	*Nepal*
*New Caledonia*	*Niger*	*Nigeria*
*Niue*	*Norfolk Island*	*Northern Mariana Islands*
*Oman*	*Palau*	*Papua New Guinea*
*Philippines*	*Pitcairn*	*Reunion*
*Russian Federation*	*Rwanda*	*Samoa*
San Marino	*Sao Tome and Principe*	*Senegal*
Seychelles	*Sierra Leone*	*Soloman Islands*
*Somalia*	*South Africa*	*Sudan*
*Svalbard and Jan Mayen*	Swaziland	*Tajikistan*
*Tanzania, United Republic of*	*Thailand*	*Tokelau*
*Tonga*	*Tunisia*	*Turkey*
Turkmenistan	*Tuvalu*	*Uganda*
*Ukraine*	Uzbekistan	*Vanuatu*
*Vietnam*	*Wallis and Futuna*	*Western Sahara*
*Yugoslavia*	*Zambia*	*Zimbabwe*

¿Estudiando en otro país?

Studying overseas?

Zone 1 - health insurance definition...	Zone 2 - health insurance definition...	Zone 3 - health insurance definition...
Zone 4 - health insurance definition...	Zone 6 - health insurance definition...	Zone 7 - health insurance definition...

What is covered?

Here are the table of benefits for the BUPA International Lifeline scheme. Lifeline offers three levels of cover: Essential, Classic and Gold. You need to read the table of benefits that applies to your level of cover. Your membership certificate shows which level of cover you have bought.

Your table of benefits and the Notes show what treatment costs and cash benefits you are covered for subject to the rules of the scheme, including the exclusions and benefit limits. The Notes explain the benefits in more detail. It is, therefore, important that you read your table of benefits along with the Notes.

If you have an annual deductible please also read section 4.3

We pay for any necessary treatment, services and facilities listed in these tables and as explained in the accompanying Notes, but only if the charges are reasonable and customary and only up to the benefit limits.

By reasonable and customary we mean that the charges are ones which would usually be made by the majority of the providers of treatment, services and facilities to our members in the country in which you received the treatment, services and facilities - as the case may be - and that the charges are not more than they would usually charge.

Your table of benefits

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.

The total overall amount we will pay for all treatment, services and facilities that you and your dependants receive each membership year under your chosen level of cover is shown below. The amount stated in the currency that applies to you is the maximum we will pay for benefits in total for each person each membership year. The limit does not apply to each benefit separately. Separate benefit limits apply to certain benefits in addition to the overall benefit limit shown below. These separate limits are shown in the table of benefits.

	Product description (and limits)	Cost	Cost - with option of deductibles
Essential	Essential	Essential	Essential
Classic	Classic	Classic	Classic
Gold	Gold	Gold	Gold

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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Disclaimer / Aviso

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Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete