Worldwide Medical Insurance is the core of this plan, and gives you the reassurance of covering any 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 visiting as a day patient, are also covered.

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Worldwide Medical Plus covers you for consultations with a doctor or specialist as well as medical treatments that do not require a hospital stay.

Worldwide Medical Plus covers you for a maximum of £25,000 of treatment per year (excluding transplant services) and also includes cover for young child care, maternity care, complementary therapies and speech therapy.

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Worldwide Medicines and Equipment covers you for prescription medicines and the rental of medical appliances such as oxygen supplies or wheelchairs.

Our unique long-term prescription benefit will also pay for any medicines required to manage chronic conditions such as asthma.

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Worldwide Wellbeing covers you for a range of health screenings, vaccinations, dental and optical treatment to help you stay healthy.

These services can provide valuable early detection of a wide variety of conditions, and the sooner a condition is identified, the faster you can receive treatment and start feeling better.

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The Worldwide Evacuation option is ideal if the treatment you need is not available locally. It covers you for reasonable transport costs to the nearest suitable medical centre, ensuring you get the treatment you need.

Repatriation gives you the added option of returning to your home country or specified country of nationality, to be treated in more familiar surroundings.

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If you spend most of your time in the USA, then you’ll need to buy USA cover on an annual basis. However, if you spend most of your time outside the USA, you can choose to add USA cover to your plan when you join or renew, enabling you to access medical treatment in the USA.

We cannot cover USA permanent residents as they must be covered by a local insurance company.

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Deductibles are the contributions you make towards the cost of your treatment. You can choose from a range of different deductibles, allowing you to manage the cost of your plan.

If you choose to have a deductible on your Worldwide Medical Insurance cover, additional deductibles will also apply if you opt for Worldwide Medical Plus or Worldwide Medicines and Equipment (deductibles don’t apply to Worldwide Wellbeing or Worldwide Evacuation).

To give you access to the benefits you have chosen sooner these will be less than the deductible on your Worldwide Medical Insurance cover. So even though your main Worldwide Medical Insurance deductible may be as much as £5,000, you’ll only need to run up costs of £100 for physiotherapy, for example, to start claiming on your Worldwide Medical Plus option.

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