Lifeline Classic - Table of benefits

Note 1: Out-patient treatment

Worldwide Medical Insurance

What is covered?

Worldwide Medical Insurance - annual overall limit / /

How your plan works

If you chose to include USA Cover, we have special arrangements in place if you need to be hospitalised while you are there. These include access to a select network of quality hospitals and other medical treatment providers with direct settlement of all covered expenses when you receive treatment in a network hospital. To access these benefits, and avoid penalties, all treatment in hospital must be pre-authorised using the same simple process as before.

By getting prior approval for your treatment you're also helping us to manage the ever increasing costs of medical care. This is good news for you, as it also helps us to manage your subscriptions and keep any increases to a minimum. But what is even better is that you get the benefit from both. When you get prior approval for your  treatment and you go to a network hospital, all covered expenses are paid in full - direct to the providers of your treatment.

This cover still gives you the freemdom to choose to have your treatment at any hospital. However, if you decide to have your treatment at a hospital which is not included in the network, you will be required to share the cost and pay 20 percent of your covered expenses.

There may be occasions when it is not possible for you to be treated at a network hospital. These include:

· there is no network hospital within 30 miles / 50 kilometres of your address

· the treatment you need is not available in the network hospital.

In these cases,  we won't ask you to share the cost of your treatment .

If you choose not to get prior approval for your treatment in hospital, you will be required to pay 50 percent of your covered expenses. Without prior approval, the special arrangements and network pricing we have put in place for you cannot be accessed.

Of course we understand that there will are times when you cannot get prior approval, such as in an emergency. If you are taken to hospital in an emergency, it is important that you arrange for the hospital to contact us within 48 hours of your admission.  We can then make sure you are getting the right care, in the right place. If you have been taken to a hospital which is not part of the network, and if it is the best thing for you, we will arrange for you to be moved to a network hospital to continue your treatment once you are stable.

If we have been notified within 48 hours of an emergency admission to hospital, we will not ask you to share the cost of your treatment.

Option -  Worldwide evacuation

What is covered?

Worldwide Evacuation

These benefits are only available if you have chosen this option and it is listed on your membership certificate.

Benefit:

Medical evacuation

Medical repatriation

Travel cost for an accompanying person

Travel cost for the transfer of minor children

Living allowance

Repatriation of mortal remains

Compassionate visit and return

Compassionate visit living allowance