| Mainly Health Plans SL ... Who are we? / DGSFP / linked to ... | Contact / contacto: ... |
home / inicio ... http://www.e-quot.es/RA09122010.htm
Comparison: Lifeline Classic and Worldwide Health Options ( http://comparativadeseguros.tel/ )
|
|
Lifeline Classic - Table of benefits Note 1: Out-patient treatment |
|
|
|
What is covered?
Worldwide Medical Insurance - annual overall limit / / |
Overall annual maximum |
|
|
|
£1,500,000 |
£ sterling |
|
£750,000 |
|
$2,550,000 |
$ US dollars |
|
$1,500,000 |
|
€1,875,000 |
€ euros |
|
€1,000,000 |
|
|
Note 1: Out-patient treatment |
|
|
|
|
Out-patient surgical operations |
Paid in full |
|
|
|
|
|
|
|
Screening and prevention ( Option - Worldwide Wellbeing ) |
Wellness - mammogram, PAP test, prostate cancer screening or colon cancer screening (after one year's membership) |
We pay up to £ sterling 500, US$1,000 or €750 each Membership year |
|
|
Physiotherapy, osteotherapy and chiropractor treatment ( Option - Worldwide Medical Plus ) |
Physiotherapy, osteopathy and chiropractor treatment |
We pay in full for up to 15 visits each Membership year |
|
|
Consultations and treatment with complementary therapists / Speech therapy ( Option - Worldwide Medical Plus ) |
Costs for treatment by therapists and complementary medicine practitioner |
We pay in full for up to 5 visits each Membership year |
|
|
|
|
|
|
|
Specialists' consultation and doctors' fees / Psychiatrists' and psychologists' fees ( Option - Worldwide Medical Plus ) |
Consultants' and Psychologists' fees for psychiatric treatment (after two years' membership) |
We pay in full for up to 15 visits each Membership year |
|
|
|
|
|
|
|
Pathology, X-rays and diagnostic tests ( Option - Worldwide Medical Plus ) |
Pathology, X-rays and diagnostic tests |
We pay up to £ sterling 5,000, US$10,000 or €8,000 each Membership year |
|
|
|
|
|
|
|
Young child care / Specialists' consultation and doctors' fees ( Option - Worldwide Medical Plus ) |
Consultants' fees for consultations |
We pay up to £ sterling 5,000, US$10,000 or €8,000 each Membership year |
|
|
|
|
|
|
|
|
Costs for treatment by a family doctor |
Not covered |
|
|
|
|
|
|
|
Prescribed medicines and dressings
( Option -
Worldwide Medical Plus
) |
Prescribed drugs and dressings |
Not covered |
|
|
|
|
|
|
|
Emergency dental treatment
(Worldwide
Medical Insurance) |
Accident-related dental treatment |
Not covered |
|
|
Childbirth at home
(Worldwide
Medical Insurance) |
chronic cover |
|
|
|
|
Note 2: In-patient treatment ( see important note) |
|
|
|
|
|
|
|
|
Staying in hospital overnight or as a day-case (Worldwide Medical Insurance) |
Hospital accommodation |
Paid in full April 2009 updates |
|
|
|
|
|
|
|
Surgery, including surgeons', anaesthetists' and assistants' fees (Worldwide Medical Insurance) |
Surgical operations including pre- and post-operative care |
Paid in full |
|
|
|
|
|
|
|
Nursing care, drugs and surgical dressings |
Paid in full |
||
|
|
|
|
|
|
Specialists' consultation fees (Worldwide Medical Insurance) |
Physicians' fees |
Paid in full |
|
|
|
|
|
|
|
Operating room, medicines and surgical dressings / Intensive care. Intensive therapy, coronary care and high dependency unit (Worldwide Medical Insurance) |
Theatre charges and intensive care |
Paid in full |
|
|
|
|
|
|
|
Pathology. X-rays, diagnostic tests and therapies (Worldwide Medical Insurance) |
Pathology, X-rays, diagnostic tests and physiotherapy |
Paid in full April 2009 updates |
|
|
|
|
|
|
|
Prosthetic implants and appliances / Prosthetic devices (Worldwide Medical Insurance) |
Prosthetic implants, prosthetic devices and appliances (limited to £ sterling 2,000, US$4,000 or €3,000 per prosthetic device ) |
Paid in full... April 2009 updates |
|
|
|
|
|
|
|
Parent accommodation |
Paid in full |
||
|
|
|
|
|
|
Psychiatric treatment overnight in hospital, including room, board and treatment costs / Psychiatric treatment as a day-case, including room, board and treatment costs (Worldwide Medical Insurance) |
Psychiatric treatment (after two years' membership, lifetime maximum of 90 days) |
Paid in full |
|
|
|
|
|
|
|
|
Note 3: Further benefits |
|
|
|
|
|
|
|
|
Cancer treatment |
Paid in full April 2009 updates |
||
|
|
|
|
|
|
Childbirth and treatment in
hospital
(Worldwide
Medical Insurance) |
Maternity cover (after 10 months membership) |
We pay up to £ sterling 3,000, US$6,000 or €4,500 each Membership year (April 2009 updates ) |
|
|
|
|
|
|
|
Advanced imaging |
Paid in full |
||
|
|
|
|
|
|
Transplant services
(Worldwide
Medical Insurance)
|
Transplant services |
Paid in full |
|
|
|
|
|
|
|
Local road ambulance |
Paid in full |
||
|
|
|
|
|
|
Local air ambulance |
We pay up to £ sterling 5,000, US$10,000 or €7,300 each Membership year |
||
|
|
|
|
|
|
Home nursing after in-patient treatment |
We pay up to £ sterling 100, US$200 or €150 each day up to a maximum of 20 days each Membership year |
||
|
|
|
|
|
|
In-patient cash benefit |
We pay up to £ sterling 75, US$150 or €110 each night up to a maximum of 20 nights each Membership year |
||
|
|
|
|
|
|
|
HIV/AIDS drug therapy including ART (after 5 years' membership) |
We pay up to £ sterling 10,000, US$20,000 or €15,000 each Membership year |
|
|
|
|
|
|
|
Hospice and palliative care |
We pay up to £ sterling 20,000, US$40,000 or €30,000 maximum benefit for the whole of your membership |
||
|
|
|
|
|
|
In-patient, rehabilitation |
We pay in full for up to 30 nights each Membership year |
||
|
|
|
|
|
|
Treatment of congenital and hereditary conditions / Newborn care (Worldwide Medical Insurance) |
Newborn care |
We pay £ sterling 75,000, US$150,000 or €110,000 maximum benefit for all treatment received during the first 90 days following birth |
|
|
|
|
|
|
|
|
Healthline services |
Included |
|
|
|
|
|
|
|
|
Note 4: Optional benefits (if purchased) |
|
|
|
|
|
|
|
|
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.
|
USA cover |
100% of costs in network 80% of costs out of network. Treatment must be pre-authorised |
|
|
|
|
|
|
|
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:
Travel cost for an accompanying person
Travel cost for the transfer of minor children
Repatriation of mortal remains
Compassionate visit and return
Compassionate visit living allowance
|
Assistance cover (Evacuation and Repatriation ) |
|
See Section 4 for details of the optional Assistance cover. Your Membership Certificate will show if you have purchased this cover. The overall annual maximum benefit limit does not apply |
|
|
|
|
|
2.4 Notes to the table of benefits
Each benefit described in this section is payable according to the limits set out in the table of benefits ( section 2.4 and back cover of Membership Guide)
Option - Worldwide Medical Plus
What is covered?
Worldwide Medical Plus - annual overall limit £25,000 / €31,250 / $42,500 (excluding transplant benefits)
These benefits are only available if you have chosen this option and it is listed on your membership certificate.
Option - Worldwide medicines and equipment
What is covered?
Worldwide Medicines and Equipment
These benefits are only available if you have chosen this option and it is listed on your membership certificate.
Option - Worldwide Wellbeing
What is covered?
Worldwide Wellbeing - annual overall limit £5,000 / €6,250 / $8,500
These benefits are only available if you have chosen this option and it is
listed on your membership certificate.
--
Comparison - Lifeline Gold and
Worldwide Health Options
English insurance agent offering international health, dental, medical and travel insurance cover. Also ...business, life, house and contents, car, motorbikes, mopeds, boat, golf, accident, and other kinds of insurance for expatriates (and non-expats) in Spain. Civil liability insurance for potentially dangerous dogs (required under Spanish legislation)