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The Worldwide Medical Insurance option is the core of the Worldwide Health Options plan and comes as standard. You may then add suitable extra options to make the cover just right for you.
Worldwide Medical Insurance gives you the reassurance of covering essential hospital treatment you may need, whether in an emergency or a planned visit.
All surgery, cancer treatment and advanced imaging, whether received whilst staying in hospital or as a visiting patient, are also included.
The annual overall limit is £Sterling 1,500,000/€Euros 1,875,000/$US 2,550,000.
What is not covered?
There are specific limitations on our core cover and for each of the options. Please refer to the notes following each benefit table in the membership guide for full details.
Use the table below to find details of all the benefits included with Worldwide Medical Insurance.
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Staying in hospital overnight or as a day-case
Level of cover: paid in full
At a glance: Room and board costs when staying in hospital overnight or as a day-case
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Parent accomodation
Level of cover: paid in full
At a glance: room and board costs when staying in hospital with your child
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Nursing care
Level of cover: paid in full
At a glance: nursing services provided in hospital
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Operating room, medicines and surgical dressings
Level of cover: paid in full
At a glance: operating room, recovery room, medicines and dressings when you have surgery
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Intensive care, intensive therapy, coronary care and high dependency unit
Level of cover: paid in full
At a glance: room and board costs when staying in hospital or intensive care, intensive therapy, coronary care or high dependency unit when required as part of your treatment
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Surgery, including surgeons', anaesthetists' and assistants fees'
Level of cover: paid in full
At a glance: includes operations performed whether staying in hospital overnight, as a day-case or as an out-patient
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Specialists' consultation fees
Level of cover: paid in full
At a glance: meetings with or treatment by a specialist in hospital
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Pathology, X-rays, diagnostic tests and therapies
Level of cover: paid in full
At a glance: investigations such as blood or urine tests and diagnostic X-rays, or therapies
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Rehabilitation
Level of cover: paid in full for 30 days each condition, whether received as an in- or out-patient
At a glance: a combination of therapies aimed at either restoring full function or the ability to live independently
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Advanced imaging
Level of cover: paid in full
At a glance: diagnostic imaging whether staying in hospital overnight, as a day-case or as an out-patient
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Psychiatric treatment overnight in hospital, including room, board and treatment costs
Level of cover: 90 days lifetime limit
At a glance: treatment of mental health problems, including eating disorders
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Psychiatric treatment as a day-case, including room, board and treatment costs
Level of cover: paid in full for 20 days each membership year
At a glance: treatment of mental health problems, including eating disorders
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Prosthetic implants and appliances
Level of cover: paid in full
At a glance: an artificial body part which is designed to form a permanent part of your body, or is a medically necessary temporary part of your body
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Prosthetic devices
Level of cover: each device - £Sterling 2,000, €Euros 2,500, $US 3,400
At a glance: an external artificial body part, such as a prosthetic limb or prosthetic ear
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Childbirth and treatment in hospital
Level of cover: each membership year, up to £Sterling 6,500 €Euros 8,100 $US 11,050 - available once the mother has been a member for 10 months or more
At a glance: hospital charges, obstetricians’ and midwives’ fees for normal and complicated delivery
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Childbirth at home
Level of cover: each membership year, up to £Sterling 650, €Euros 810, $US 1,105.
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Medically essential Caesarian section
Level of cover: each membership year, up to £Sterling 13,000, €Euros 16,250, $US 22,100.
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Newborn care
At a glance: all eligible treatment within first 90 days following birth
Level of cover: £Sterling 75,000, €Euros 93,750, $US 127,500.
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Cancer treatment
Level of cover: paid in full
At a glance: all treatment you receive for or related to cancer whether staying in hospital overnight, as a day-case or as an out-patient
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Transplant services
Level of cover: each condition, up to £Sterling 150,000, €Euros 187,500, $US 255,000
At a glance: all costs for treatment in hospital, including donor expenses for organ harvesting if the recipient is a member
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Hospice and palliative care
Level of cover: lifetime limit £Sterling 20,000, €Euros 25,000, $US 34,000
At a glance: expenses following the diagnosis that your condition is terminal, when treatment can no longer be expected to cure your condition
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Local road ambulance
Level of cover: paid in full
At a glance: medically necessary travel by local road ambulance when related to covered hospitalisation
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Local air ambulance
Level of cover: each membership year, up to £Sterling 5,000, €Euros 6,250, $US 8,500
At a glance: medically necessary travel by local air ambulance, such as a helicopter, when related to covered hospitalisation
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Home nursing
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Hospitalisation cash benefit
Level of cover: £Sterling 100, €Euros 125, $US 170 each night for a maximum of up to 30 nights each membership year
At a glance: payable for each night you stay in hospital without charge
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Emergency dental treatment
Level of cover: paid in full
At a glance: dental treatment in hospital after a serious accident
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Treatment of congenital and hereditary conditions
Level of cover: each membership year, up to £Sterling 20,000, €Euros 25,000, $US 34,000
At a glance: payable for treatment received after the first 90 days’ following birth
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