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Benefits Summary
This is not a full benefit comparison - for a more detailed comparison please refer to the summary of cover. The policy wording which includes definitions and exclusions is given in the Handbook and Membership Agreement. We would be happy to provide you with a copy on request. Individual exclusions may apply following underwriting on completion of an application form. - Private Clinic Plan
- Private Hospital Plan
- International Plan
- International Emergency Medical Assistance
Private Clinic Plan - Limited benefit for in-patient and daycare treatment applicable in hospitals and clinics worldwide
- Additional accommodation for parents accompanying children under 16 while they are in a supporting hospital in Malta for treatment plus cover for babies to accompany nursing mothers
- Ambulance transport cover
- Benefit for GP consultations and minor surgery carried out by a GP
- Outpatient specialist consultations, physiotherapy and diagnostic (investigative) tests, as well as additional benefit for pre and post in-patient or daycare treatment tests and consultations
Please refer to the Plans & Benefits for full details.
Private Hospital Plan
- Full settlement of fair and reasonable charges for accommodation, theatre fees and surgeon's and anaesthetist's fees for in/day patient stays in supporting hospitals in Malta
- Direct settlement arrangements currently in force with the following supporting hospitals: St James Hospitals Sliema and Zabbar, St Philip’s Hospital, St Anne’s Clinic and Da Vinci Hospital
- Full settlement of fair and reasonable charges for out-patient specialist consultations, diagnostic procedures including GP secondary treatment which covers simple tests performed by a GP (haemoglobin, liver function, kidney function, cholesterol tests) and physiotherapy in Malta. Elsewhere limits apply
- Non-oncology related MRI and CT scanning paid in full in supporting hospitals in Malta following specialist referral
- Cover for GP consultations and outpatient prescribed drugs used after in/day patient treatment, and minor surgery carried out by a GP
- Flexible home nursing option
- Additional cover for outpatient psychiatric illness and alternative treatment
- Additional accommodation for parents accompanying children under 16 while they are in a supporting hospital in Malta for treatment plus cover for babies to accompany nursing mothers
- Benefits can be used in hospitals anywhere in the world, except USA and Canada, up to specified limits
- Health at hand - phone access to international health information service
- Additional benefit for routine maternity
Please refer to the Plans & Benefits for full details.
International Plan
- Full settlement of fair and reasonable charges for accommodation, theatre fees and surgeon's and anaesthetist's fees for in/day-patient stays anywhere in the world except USA & Canada
- Direct settlement arrangements with a wide network of hospitals worldwide
- €60,000 for emergency non-elective treatment in USA and Canada
- Free cover for Emergency Evacuation and/or Repatriation from abroad which also includes emergency assistance
- Full settlement of fair and reasonable charges for out-patient specialist consultations, diagnostic procedures including GP secondary treatment which covers simple tests performed by a GP (haemoglobin, liver function, kidney function, cholesterol tests), physiotherapy and alternative treatment such as homeopathic and chiropractic treatment following referral
- Cover for GP consultations and outpatient prescribed drugs
- Additional cover for outpatient psychiatric illness
- Airfare cash benefit applies if treatment is in specific UK hospitals
- Limited hotel accommodation for outpatient oncology treatment in UK
- Additional accommodation for parents accompanying children under 16 while they are in hospital for treatment plus cover for babies to accompany nursing mothers
- Health at hand - phone access to international health information service
- Additional benefit for routine maternity
Please refer to the Plans & Benefits for full details.
International Emergency Medical Assistance
- Applies only with the International Plan
- Worldwide, 24 hours a day, 365 days a year emergency service providing evacuation or repatriation services
- If member is abroad and immediate in-patient treatment is required and the facilities in the locality are unavailable or inadequate, member can call the Emergency Control Centre which will alert the International Emergency Assistance service
+44(0) 1892 513 999
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