Expatriate Healthcare Brochure

totally dedicated to expatriates™

www.expatriatehealthcare.com

“Better for you because expatriate insurance is all we do”

International Healthcare

Regional Healthcare

Travel

Term Life

Income Replacement


2 www.expatriatehealthcare.com

I would like to welcome you to Expatriate Healthcare: we are a company whose sole purpose is to provide products and services to protect you and your family whilst you are living and working overseas. Because that’s all we do, we can focus all of our attention on making sure that you are provided with the right plans and a first class service.

Expatriate Healthcare was established at the start of the century as a private medical insurer for expatriates and since then we have grown our suite of products beyond healthcare to provide you with a total personal protection solution. This includes comprehensive products for travel, life, income replacement and our flagship international private medical insurance.

We take great pleasure in the service we provide our customers and proudly display recent feedback we have received on our website at www.expatriatehealthcare.com, so please don’t just take our word for it – come online and see what others are saying about us.

As well as providing in-depth information about our services, the website also provides an opportunity to review the latest expat news, which we update daily, and obtain instant quotations for all the plans that we provide. As part of your experience with us, we’ll send you a monthly newsletter telling you the experiences of other expats all around the world.

At Expatriate Healthcare we understand that customers expect different things from their insurance. Our Healthcare plans have been designed with this in mind, providing sensibly priced products without compromising on benefits. We have also introduced Premium Rewards on our international plan, giving customers further control over their premium (see page 6 for more information).

Wherever you live, whatever your circumstances, we believe that Expatriate Healthcare is the right choice for you.

Lee GerryGroup Underwriting Manager

“

”

5 International Healthcare About the Plans Premium Rewards Key Features BenefitSchedule

8 Regional Healthcare About the Plans BenefitSchedule

10 Travel About the Plan BenefitSchedule

13 Term Life

15 Income Replacement

www.expatriatehealthcare.com 3

As our name would suggest, our plans are designed especially for youThe Expatriate Healthcare plans have been created by experienced insurance professionals, using the culmination of many years of knowledge in the global private medical insurance market, to bring to you a selection of plans to suit all requirements and budgets.

To provide plans which are rich in benefits, but sensible on price, the International Plan has been split into three product lines:

Covering the unexpectedThe Primary Plan has been designed to provide the essential elements of international private healthcare aimed at covering the high cost of hospitalisation treatment and evacuation cover.

Because we believe that your plan should cover all aspects of hospitalisation; your plan will include pre-hospitalisation tests and consultations, as well as post-hospital out-patient, consultations, tests and medication. Of course, the Emergency Assistance and Repatriation benefits are standard, to ensure that, wherever you are in the world, if treatment isn’t available where you are, we’ll make sure that you get to a hospital that can provide you with the appropriate care.

Every day assistanceThe Primary+ Plan provides all of the benefits of our Primary, as well as comprehensive outpatient cover; giving you access to your family doctor, outpatient specialists and physicians, alternative treatment (such as osteopathy, homeopathy and acupuncture).

We know that sometimes medical conditions can’t be cured with a single visit or course of medication. Therefore Primary+ also covers you in the event that you suffer from a chronic medical problem, where lifelong treatment, drugs and consultations can be a great financial burden.

Always thereThe Select Plan is simply one of the most comprehensive private medical insurance plans available. Select is aimed at providing a total solution to your healthcare needs. Not only does Select provide you with excellent cover in the event of an illness – it also provides preventative benefits, to help ensure that medical conditions are diagnosed and treated at the earliest possible stage.

The Select level of cover includes dentistry, maternity, optical care (including prescription glasses or contact lenses), an annual routine medical check-up, preventative heath screening (including mammograms, cervical smears, PST screening) and travel vaccinations.


International Healthcare Insurance

Instant Cover

24 Hour Support

No Hospital Restrictions

Comprehensive Protection

Chronic & Terminal Cover

No Out-of-pocket Hospital Expenses

Optical CareChanges to your eyesight are inevitable. That’s why Expatriate Healthcare provide a benefit covering the cost of an annual eye exam for each person insured under the policy.

Where there is a change to your prescription we will also cover you for the cost of prescription lenses (including standard contact lenses).

Complementary Medicine/TherapiesShould you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homoeopathy and acupuncture.

Emergency AssistanceIn the event of an emergency, one simple call to Expatriate Healthcare’s assistance service provider and arrangements will be made for you to be transported to the nearest location

for appropriate treatment.Through AXA Assistance, our multilingual 24-hour support partner, we will liaise with you, your family and the local healthcare services, keeping you continually updated. AXA Assistance has 2,500 experienced employees in 37 countries, covering 5 continents.

AIDS/HIV and Chronic ConditionsWe understand that not all medical conditions can be cured.Chronic conditions usually require you to have regular check-ups, nursing

care and routine or daily medication. Thankfully, with the right medical support, many people can live a relatively normal life whilst suffering with a chronic condition. However, the financial implications can be devastating.We support you by providing benefits in respect of both HIV and chronic conditions.

Medical ExpensesWe provide cover for inpatient and outpatient medical costs, liaising with medical staff and ensuring that you are receiving appropriate treatment.

Should any member of your family fall ill and require emergency medical transportation, we provide a round-trip airfare ticket for one accompanying dependant insured under the policy.

Preventative CareYour health and well-being and that of those you love and value is of paramount importance. Expatriate Healthcare is committed to keeping you all healthy by providing regular

health checks and tests. These include vaccinations, annual medical check-ups and cervical smears.We even provide for prostate cancer screening and mammograms for the over 45’s.

Maternity CareWe know that when you are expecting a baby, you need to feel confident that appropriate care is available.Once you have been covered by the policy continuously for 12 months,

if you become pregnant, we provide for your antenatal appointments in the run up to the big day and for the delivery itself. And to get you back on your feet in those early days, we also allow for home nursing for 5 days after home delivery.

Dental CareYour general health and well-being also extends to your dental health. Good dental health requires regular and routine check-ups and resulting restorative treatment can be costly.

Expatriate Healthcare understand that prevention is always the better solution so we provide you with cover for routine check-ups and treatment plus, in the event of further treatment being required, both basic and major restorative treatment.


Premium Rewards

Premium Rewards are our way of rewarding customers who remain claims free by discounting future premiums by up to 20%. Simply put: if you don’t make a claim in a policy year you can earn a discount of up to 10% on your subsequent annual premium, up to 15% for two years without a claim and up to 20% for 3 years claims free or greater.

If you are a Select customer claims under the Maternity, Dental, Optical or Preventative Services will not affect your entitlement to Premium Rewards.

Premium RewardClaim Free Period 1 year -5% -10% 2 years -7.5% -15% 3+ years -10% -20%

Key Features

Not applicable to all plans - please refer to the Benefit Schedule on page 7.

BenefitsAnnual Aggregate Maximum:

Excess Options:

€1,000,000

Nil, €5,000

€1,500,000

Nil, €50, €100,€250, €5,000

€5,000,000

Nil, €50, €100,€250, €5,000

Inpatient & Daypatient BenefitsRoom and Board 100% 100% 100%Treatment and Surgeries 100% 100% 100%Intensive Care 100% 100% 100%Anaesthetists’ and Operating Theatre Fees 100% 100% 100%Specialist, Physician and Nursing Fees 100% 100% 100%Prescribed Medicine and Drugs 100% 100% 100%Diagnostic Tests and Procedures 100% 100% 100%Oncology 100% 100% 100%Psychiatric 30 days 30 days 30 daysHospital Cash Benefit €75 per night €100 per night €150 per nightParent Accommodation 100% 100% 100%

Outpatient BenefitsGP Consultations

Pre-hospital admission and 60 days following

discharge

100% 100%Specialist and Physician Fees 100% 100%Prescribed Medicine and Drugs 100% 100%Diagnostic Tests and Procedures 100% 100%Physiotherapy €3,000 (10 sessions) €3,000 (10 sessions)Oncology 100% 100%Psychiatric - €3,000 (10 sessions)Outpatient Surgery 100% 100% 100%Home Nursing following Hospitalisation 30 days 30 days 30 daysRehabilitation following Hospitalisation €2,000 €2,000 €2,000Alternative Medicine and Treatment - €3,000 (10 sessions) €3,000 (10 sessions)

Additional BenefitsLocal Ambulance Service 100% 100% 100%Prosthesis €2,000 €2,000 €2,000Out of Area Cover 30 days (€50,000) per trip 30 days (€50,000) per trip 30 days (€50,000) per tripSecond Opinion for Surgery 100% 100% 100%Special ServicesOrgan Transplantations €100,000 €150,000 €300,000Chronic Conditions - €2,000 €2,000HIV, AIDS & ARCS - €50,000 lifetime €50,000 lifetimeTerminal & Palliative Care €15,000 €20,000 €30,000Assistance ServicesEmergency Medical Transportation 100% 100% 100%Expenses for accompanying Dependent - Travel - Accommodation & Subsistence

100%€75 per day

100%€100 per day

100%€150 per day

Repatriation of Mortal Remains €5,000 €5,000 €10,000Compassionate Travel 100% 100% 100%Family Compassionate €250 €250 €250Maternity BenefitsComplications of Pregnancy €5,000 €5,000 100%Normal Delivery - - €7,500Elective Caesarean Operation - - €7,500Non-elective Caesarean Operation - - €7,500Home Delivery - - €7,500Home Nursing following Home Delivery - - 5 daysNew Born Care - - €25,000Dental BenefitsRoutine Dental Treatment - - 80% (€750)Basic Restorative Dental Treatment - - 80% (€750)Major Restorative Dental Treatment - - 80% (€1,000)Accidental Emergency Dental Treatment 100% 100% 100%Optical BenefitsExaminations & Lenses - - €150Preventative ServicesTravel Vaccinations - - 100%Medical Check-up - 100% 100%Cervical Smears - - 100%Mammograms - - 100%Prostate Cancer Screening - - 100%


Benefit Schedule

The following provides an overview of the benefits provided by our International Healthcare. This is a summary of benefits and should be read in conjunction with the Policy Wording and any endorsements. The limits shown are per person, per period of cover; unless otherwise stated.

Providing expatriates with the right level of cover and service at an affordable price...

...is something that Expatriate Healthcare is passionate about. That’s why we have tailored an affordable product especially for residents of Spain, Cyprus, Portugal, Gibraltar and Andorra.

Expatriate Healthcare’s Regional Healthcare insurance covers you in your country of residence and your country of nationality too1. Therefore if you spend a lot of time in your country of nationality - or you simply want to take extended holidays there – this is the plan for you. It even covers you for any trip anywhere in the world up to 30 days, giving you full worldwide protection2.

The Primario private healthcare range has been designed and arranged into 3 different products, allowing you to select a plan which is going to meet your personal requirements and expectations:

No frillsPrimario Budget plan is our most affordable level of cover. The Primario Budget plan is a core ‘no frills’ hospitalisation plan. The plan has been designed for those seeking to protect themselves against in-patient hospitalisation costs.

Covering the unexpectedThe Primario Plan is our comprehensive hospitalisation plan, providing up to €1,000,000 of cover, ensuring that you don’t suffer from any large out-of-pocket expenses for unexpected healthcare needs. The Primario Plan also continues your cover once you have left hospital, providing 60 days follow-up care for post-hospital consultations, tests or routine care.

Comprehensive CoverLooking to cover treatment received at your GP surgery, as an out-patient or in a hospital? Our most comprehensive regional product, giving you excellent insurance protection for most non-elective medical treatments received in a hospital or at your doctor’s surgery. Protecting you from a range of costs including ambulance, specialist care, routine laboratory tests, scans, GP care and physiotherapy – as well as lots more. Primario Más allows you to receive treatment without worrying about the cost of the care.1 Where you are an EU national. 2 Does not apply to the Primario Budget plan, which covers you in your country of residence only.

Regional Healthcare Insurance

Full Medical Cover

Guaranteed Acceptancefor Ages 0-70

Cover for Life

Chronic Illness Coveras Standard

From as Little as €27Per Month


Benefit Comparison

Annual Aggregate Maximum: €50,000 €1,000,000 €1,000,000Excess: €50 ** €50 ** €50 **

Hospital BenefitsRoom and Board 100% 100%Inpatient and Day-care Treatment and Surgeries 100% 100%Intensive Care 100% 100%Anaesthetists’ and Operating Theatre Fees 100% 100%Specialists’ and Physicians’ Fees and Nursing Fees 100% 100%Prescribed Medicine and Drugs 100% 100%Diagnostic Tests and Procedures 100% 100%Psychiatric - 100% (max 30 days) 100% (max 30 days)Hospital Cash Benefit - €75 per night €100 per night

GP & Outpatient BenefitsOutpatient Surgery 100% 100%Specialists’ and Physicians’ Fees for Consultations * 100%Diagnostic Tests and Procedures 100%Prescribed Medicine and Drugs - 100%Physiotherapy - 10 sessionsHome Nursing following Hospitalisation - 100% (30 days) 100% (30 days)Rehabilitation Treatment following Hospitalisation - 100% (€2,000 max) 100% (€2,000 max)Alternative Medicine and Treatment - - 10 sessions (€2,000 max)

Additional BenefitsLocal Ambulance Service €200 per period of cover 100% 100%Prosthesis (artificial body parts) - 100% (€2,000 max) 100% (€2,000 max) Second (and if necessary third) Opinion for Surgery - 100% 100%

Special ServicesOrgan Transplantations - operation only - 100% (€100,000 max) 100% (€150,000 max)Chronic Conditions (stabilisation) Inc in Hospital Benefit max 100% 100%Chronic Conditions (curative) Inc in Hospital Benefit max 100% 100%Chronic Conditions (routine treatment) - - 80% (€2,000)HIV, AIDS & ARCS - - €50,000 lifetime

Assistance ServicesEmergency Medical Transportation - 100% 100%Expenses for accompanying Dependant - Round trip ticket Round trip ticketRepatriation of Mortal Remains - €5,000 €5,000Family Compassionate Travel €250 €250 €250

Maternity BenefitsComplications of Pregnancy - 100% (€5,000 max) 100% (€5,000 max)

Dental BenefitsEmergency Dental Treatment following Accident - 100% 100%

Area of CoverCountry of Residence 100% 100% 100%Country of Nationality (Europe) - 100% 100%Outside of Area - €50,000 per trip €50,000 per trip

* Limited to €75 per period of cover where not received in connection with a valid hospitalisation, except under the Primario Mas plan, where benefit is refunded at 100%. ** Option to reduce excess to Nil is available.


Benefit Schedule

The following provides an overview of the benefits provided by our Regional Healthcare plans. This is a summary of benefit and should be read in conjunction with the Policy Wording and any endorsements. The limits stated are applicable per person, per period of cover; unless otherwise stated.

Up to€50,000

per periodof cover

Up to €1,500per periodof cover Limited to the 60 days

immediately following a valid hospitalisation

Unrestricted travel insurance from Expatriate Healthcare

By their very nature, expatriates like to travel. Expatriate Healthcare are pleased to be able to offer Annual Multi-Trip travel insurance for residents of the European Union, so you can now buy your travel insurance for the year and forget about it!

Expatriate Healthcare’s AMT Travel Insurance allows you the freedom to travel as frequently as you like with complete peace of mind.

You can select trip lengths of 31, 45 or 60 days. So long as your trip isn’t longer than the pre-selected period you can take as many trips as often as you like making the policy ideal for those who travel frequently – or those who just want the peace of mind to know that their insurance has been sorted out for another year.

The policy provides excellent coverage, protecting your healthcare costs; cancellation or curtailment of your holiday; loss or damage to your personal items and money; personal accident cover; and more.

Benefits can also be further tailored to provide the following:

Winter Sports Package21 days cover per year against the loss, damage or theft of your ski equipment; cover for replacement equipment hire if your own is damaged or delayed in transit; the unused portion of passes, equipment hire and tuition fees in the event of your illness or injury; Piste Closure; Delay due to avalanche.

Business Equipment PackageCover for the loss, damage or theft of your Business Equipment; cover for replacement Business Equipment hire if your own is damaged or delayed in transit; loss, theft or damage to Business Money.

Golf Equipment PackageCover for the loss, damage or theft of your Golf Equipment; cover for replacement Golf Equipment hire if your own is damaged or delayed in transit; the unused portion of green fees, equipment hire and tuition fees in the event of your illness or injury.

Buy your cover online now at www.expatriatehealthcare.com

Travel Insurance

Instant Cover

Comprehensive Protection

No Maximum Trip Limit

Winter Sports Option

Golf Cover Option

Business Equipment Option


Schedule of Benefits, Limits and Excesses

BENEFITS LIMITS EXCESSES A Cancellation & Curtailment Up to €3,000 €45 (€25 loss of deposit) B Emergency Medical and other expenses Up to €2,000,000 €45 including emergency assistance services C Hospital Benefit €15 per day up to €200 N/A D Personal Accident Max Benefit €10,000 N/A Loss of Limbs or Sight €10,000 (aged under 65) Permanent Total Disablement €10,000 (aged under 65) Death Benefit €5,000 (aged 18 - 64) All Benefits €1,000 (aged under 18) E Baggage, Baggage Delay and Passport Up to €1,000 €75 Single Item Limit €200 Valuables Limit in total €300 Unreceipted Items Limit Up to €300 Unreceipted Single Item Limit €75 Replacement Passport Up to €200 N/A Delayed Baggage Up to €200 (€50 per 12 hours) F Personal Money Up to €200 €45 Cash Limit €200 Cash (aged under 18) €50 G Personal Liability Up to €1,000,000 €250 H Delayed Departure €10 per 12 hour period N/A Up to €100 I Holiday Abandonment Up to €3,000 €45 J Missed Departure Up to €250 €45 K Catastrophe Cover Up to €500 €45 L Overseas Legal Expenses and Assistance Up to €5,000 €300

Winter Sports cover available upon payment of an additional premium and shown on validation certificate(Limited to 21 days per policy) M1 Ski Equipment Owned Up to €300 €45 Hired Up to €300 Single Item Limit €300 Unreceipted Items Limit Up to €300 Unreceipted Single Item Limit €75 M2 Ski Hire €25 per day up to €300 N/A M3 Ski Pack €50 per day up to €300 N/A M4 Piste Closure €25 per day up to €300 N/A M5 Delay Due to Avalanche Up to €300 €45

Business cover available upon payment of an additional premium and shown on validation certificate N1 Business Equipment Up to €1,500 €45 Single Item Limit €500 Computer Equipment Single Item Limit €750 Samples Limit €400 Unreceipted Items Limit Up to €300 Unreceipted Single Item Limit €75 Delayed Business Equipment €100 per day up to €500 N/A Emergency Courier of Essential Business Equipment Up to €400 €45 N2 Business Equipment Hire €100 per day up to €500 N/A N3 Business Money Up to €500 €45 Cash Limit €200

Golf cover available upon payment of an additional premium and shown on validation certificate O1 Golf Equipment Up to €1,000 €45 Single Item Limit €200 Unreceipted Items Limit Up to €300 Unreceipted Single Item Limit €75 O2 Golf Equipment Hire €50 per day up to €250 N/A O3 Non Refundable Golfing Fees €50 per day up to €250 N/A


Benefit Schedule

Worldwide travel insurance for residents of the EU.

Providing financial security for your family’s future

A death in the family is a terrible event with which to have to come to terms. But what if that death occurs to one of the main income providers? Such a loss can have an even more significant effect on those left behind.

Level Term Life InsuranceLevel term life insurance protects your family from the financial loss that they would suffer in the event of your death. The policy pays a lump sum, as determined by you at the outset, in the event of your death occurring during the term of the insurance.

Level term life insurance provides cover for a fixed annual premium for the duration of the cover and you can select cover for a term of 1 to 10 years. The sum insured remains ‘level’ for the period of cover (it is not a reducing amount as provided for by some policies) so the full amount of the sum insured would be payable regardless of when a death occurred during the cover.

A couple may also choose to obtain cover on a dual life, first death basis. Providing protection against the death of both parties, with the sum being payable to the other in the event of a claim, or other nominated grantee.

Indication of Premium

What to do nextFor an indication of how much Level Term Life will cost you, please contact one of our advisors on +44 (0) 20 3195 7481 or go to www.expatriatehealthcare.com/term-life.htm to obtain an instant and free online quote.

Expatriate Healthcare’s level term life insurance, designed with expats in mind, is underwritten at Lloyd’s of London.


Term Life Insurance

Comprehensive ‘any cause’ Cover

1-10 Year Cover Term

Worldwide Protection

Underwritten @ Lloyd’sof London

Fixed Premiums

Designed with Expats in mind

Age Female Male

35 €135 €135 45 €135 €175 55 €278 €433

Premiums shown assume 1 year term. Premiums shown are annual. Premiums shown exclude taxes and levies.Premiums shown are based on a non-smoker resident in the EU.

Financial peace of mind for when you’re unable to work

Income Replacement Insurance protects you and your family by providing you with a lump sum payment if you can no longer attend your normal occupation due to accident or illness. The policy can be extended to provide you with a weekly benefit if your time away from work is likely to only be temporary.

Permanent Disability InsuranceWhat would you do if an accident or illness permanently stopped you from being able to attend your normal occupation? What alternative occupations are accessible? What would happen to your earning potential?

Expatriate Healthcare’s income replacement insurance pays you a lump sum in the event that you are unable to attend your normal occupation due to an accident or an illness – securing the financial future for you and your family.

Permanent Total Disability benefits are available up to ten times your normal gross annual salary, for people aged between 18 to 65 years of age.

Accidental DeathYour death is likely to have an affect on your family beyond the physical loss that is endured; the financial loss of the death of a primary wage earner is difficult to appreciate. A lump sum payment, decided by you at the outset of the policy, is paid to your designated grantee, affording your family with financial security in the event of your death. Cover is available for 18 – 65 year olds, with an amount payable of up to 10 times your gross annual salary.

Temporary Total InsuranceYou don’t have to be permanently disabled to suffer a financial loss. Long term disability through accident or illness is likely to affect your income and your ability to pay your bills.

Expatriate Healthcare Temporary Total Disability cover provides a number of choices to allow you to tailor cover to match your own personal circumstances. Benefits are payable weekly and are calculated based on your net weekly salary when the cover is purchased. Benefit payments can start from as soon as your 14th day of disability; payable for up to 2 years.

The weekly benefit payments provide you with the peace of mind to know that, when you can’t work through accident or illness, you will still be able to continue to meet your financial commitments.

For a free, no obligation and instant quotation, visit us online atwww.expatriatehealthcare.com. Click the tab for Income Replacement!


Income Replacement Insurance

Usual Occupation Cover

Lump Sum for Accidental Death

Lump Sum for Permanent Disability

Weekly Benefit forTemporary Disability

Underwritten @ Lloyd’s of London

Designed with Expats in mind


Third Floor36-38 Botolph LaneLondon EC3R 8DEUnited Kingdom

t +44 (0)20 3195 7481f +44 (0)870 428 5141e [email protected]

Insurance products from Expatriate Healthcare:

International Healthcare

Regional Healthcare

Travel

Term Life

Income Replacement

For an instant and free online quotation, visit us at

www.expatriatehealthcare.com

Expatriate Healthcare Brochure

Documents

Transcript of Expatriate Healthcare Brochure