Your insurance quote  ( www.e-quot.es/TS15102011.htm )

Worldwide Medical Insurance ( What is covered? / Staying in hospital overnight or as a day-case ( Note 0.0) / Parent accommodation ( Note 0.1 ) / Nursing care (Note 0.2 ) / Operating room, medicines and surgical dressings (Note 0.3) / Intensive care. Intensive therapy, coronary care and high dependency unit (Note 0.4)/ Surgery, including surgeons', anaesthetists' and assistants' fees (Note 0.5 ) / Specialists' consultation fees (Note 0.6)/ Pathology. X-rays, diagnostic tests and therapies (Note 0.7)/ Rehabilitation (Note 0.8)/ Advanced imaging (Note 0.9) / Psychiatric treatment overnight in hospital, including room, board and treatment costs (Note 0.10) / Psychiatric treatment as a day-case, including room, board and treatment costs (Note 0.10) / Prosthetic implants and appliances (Note 0.11)/ Prosthetic devices (Note 0.11) / Childbirth and treatment in hospital (Note 0.12) / Childbirth at home (Note 0.12) / Newborn care (Note 0.13) /  Cancer treatment (Note 0.14) / Transplant services (Note 0.15)/ Hospice and palliative care (Note 0.16)/ Local road ambulance (Note 0.17)/ Local air ambulance (Note 0.18) / Home nursing (Note 0.19)/ Hospitalisation cash benefit (Note 0.20)/ Emergency dental treatment (Note 0.21)/ Treatment of congenital and hereditary conditions (Note 0.22) )

Options:

Worldwide Medical Plus ( Specialists' consultation and doctors' fees ( Note 1.0 ) / Physiotherapy, osteotherapy and chiropractor treatment ( Note 1.1 ) / Consultations and treatment with complementary therapists ( Note 1.2 ) / Psychiatrists' and psychologists' fees (Note 1.3) / Speech therapy ( Note 1.4 ) / Pathology, X-rays and diagnostic tests ( Note 1.5 ) / Young child care ( Note 1.6 ) / Maternity (Note 1.7) / Accident-related dental treatment ( Note 1.8 ) / Transplant services ( Note 1.9 ))

Worldwide medicines and equipment ( Prescribed medicines and dressings ( Note 2.0 ) / Durable medical equipment rental ( Note 2.1 ) / Long-term prescription medicines ( Note 2.2 ) )

Worldwide Wellbeing ( Screening and prevention ( Full health screen (Note 3.0) / Mammogram (Note 3.1) / Papanicolaou (PAP) test (Note 3.1)/ Prostate cancer screen (Note 3.1)/ Colon cancer screen (Note 3.1)/ Bone densitometry (Note 3.1) / Four dietetic consultations (Note 3.2) / Vaccinations (Note 3.3) ) / Dental (Note 3.4) (Preventive (Note 3.5) / Routine and major restorative (Note 3.6)/ Orthodontic (Note 3.7) ) / Optical ( Eye test (including consultation) (Note 3.8) /  Spectacle lenses (Note 3.9) / Contact lenses (Note 3.9) / Spectacle frames (Note 3.10) ) )

Worldwide evacuation ( Medical evacuation (Note 4.0) / Medical repatriation (Note 4.1)/ Travel cost for an accompanying person (Note 4.2)/ Travel cost for the transfer of minor children (Note 4.3 ) / Living allowance (Note 4.4)/ Repatriation of mortal remains (Note 4.5) / Compassionate visit and return (Note 4.6)/ Compassionate visit living allowance (Note 4.6) )

How your plan works

USA cover ...

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.

How to claim

Worldwide Medical Insurance 

DGSFP information for clients

Comparison of Lifeline Classic and Worldwide Health Options