INTERNATIONAL LIFELINE
HEALTH INSURANCE FOR INDIVIDUALS & FAMILIES
WHAT IS COVERED?
Under the Lifeline plans BUPA International covers specialist medical
treatment of acute conditions:
- Cover for both emergency and non-emergency treatment.
- Cancer treatment is covered in full.
- Cover for psychiatric conditions (after two years' membership).
- Cover for sports injuries.
- Drug treatment coverage for HIV/AIDS up to £10,000 per year
(after five years' membership).
- Hospice and palliative care up to £20,000.
- All eligible qualifying hospital treatment and accommodation bills,
up to the yearly maximum per person.
In addition to these, outpatient treatment, maternity costs, wellness
checks (after one year's membership) and family doctor treatment, may
be covered depending on the level of cover purchased. The table below
provides a detailed comparison of the benefits available for the different
levels of Lifeline cover.
WHAT IS NOT COVERED?
- Chronic conditions: longterm conditions that can not be treated, but
can only be managed are not covered. Examples are diabetes, asthma and
hypertension.
- Pre-existing conditions: any condition that you have when you join,
or which you have suffered from in the past and which may recur is not
covered. Congenital conditions are also excluded.
- Physiological changes: naturally occurring conditions caused by puberty
or ageing are not covered.
- Allergies: neutralisation of allergies is not covered.
- Treatment in the USA: this is not covered unless you have purchased
USA cover.
Please review Assistance Cover options
for details.
COMPARISON OF LIFELINE PLAN BENEFITS
| BENEFITS |
 |
ESSENTIAL |
|
CLASSIC |
|
GOLD |
| Annual Overall Maximum Cover |
|
£500,000, US$900,000, €750,000 |
|
£750,000, US$1,200,000, €1,000,000 |
|
£1,000,000, US$1,600,000,
€1,500,000 |
| OUT-PATIENT CHARGES |
|
|
|
|
|
|
| Consultants’ fees for consultations |
|
Not Covered |
|
up to £3,000,
US$4,800, €4,500 each year |
|
up to £3,000,
US$4,800, €4,500 each year |
| Pathology, X-rays and diagnostic tests |
|
|
|
Costs for treatment by therapists
and
complementary medicine practitioners |
|
|
|
Consultants’ fees and psychiatric
fees
for psychiatric treatment (after
two years’ membership) |
|
|
|
| Family doctors’ fees |
|
|
Not covered |
|
Mammogram, PAP smear, prostate and
colon screening, each year up to (after one year’s membership) |
|
£500, US$900, €750 |
|
£500, US$900, €750 |
|
£500, US$900, €750 |
| Out-patient surgical operations |
|
Full refund |
|
Full refund |
|
Full refund |
| MRI, CT and PET scans |
|
Full refund |
|
Full refund |
|
Full refund |
Cancer tests, drugs and consultants’
fees for oncology |
|
Full refund |
|
Full refund |
|
Full refund |
| IN-PATIENT CHARGES |
|
|
|
|
|
|
| Hospital accommodation, nursing care,
drugs and dressings |
|
Full refund |
|
Full refund |
|
Full refund |
| Surgeons', anaesthetists' and physicians' fees |
|
Full refund |
|
Full refund |
|
Full refund |
| Theater charges and intensive care |
|
Full refund |
|
Full refund |
|
Full refund |
| Pathology, x-rays, MRI, CT and PET scans, diagnostic
tests and physiotherapy |
|
Full refund |
|
Full refund |
|
Full refund |
| Cancer tests, drugs and consultants'
fees for oncology |
|
Full refund |
|
Full refund |
|
Full refund |
| Parent accommodation (staying with a child under 18) |
|
Full refund |
|
Full refund |
|
Full refund |
| Psychiatric treatment (after two years' membership) |
|
Full refund |
|
Full refund |
|
Full refund |
| OTHER BENEFITS |
|
|
|
|
|
|
| Emergency local road ambulance related
to day-case or in-patient treatment |
|
Full refund |
|
Full refund |
|
Full refund |
| Prescribed drugs and dressings each year, up to |
|
Not covered |
|
Not covered |
|
£600, US$960, €900 |
| Maternity each year up to (available after 10
months membership) |
|
Not covered |
|
£3,000, US$5,500, €4,500 |
|
£5,000, US$9,000, €7,500 |
| Accident-related dental treatment each year, up to |
|
Not covered |
|
Not covered |
|
£400, US$700, €600 |
| Home nursing |
|
£100, US$160, €150
per night up to a maximum of 10 nights |
|
£100, US$160, €150
per night up to a maximum of 20 nights |
|
£100, US$160, €150
per night up to a maximum of 30 nights |
| In-patient cash benefit |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
| AIDS/HIV including ART, up to |
|
Not covered |
|
£10,000, US$18,000, €15,000 |
|
£10,000, US$18,000, €15,000 |
| Hospice and palliative care, up to |
|
£20,000, US$36,000, €30,000 |
|
£20,000, US$36,000, €30,000 |
|
£20,000, US$36,000, €30,000 |
| Healthline (medical information and advice telephone
service) |
|
Included |
|
Included |
|
Included |
| OPTIONAL ASSISTANCE COVER |
|
Full refund |
|
Full refund |
|
Full refund |
All information provided in these pages is correct
to the best of our knowledge as a BUPA International Intermediary. Maritime
International Limited accepts no responsibility for any errors or omissions
that may be present. All information, pricing and exchange rates are subject
to change without notice. The only official documentation on your policy
and premiums is that contained in the policy issued to you by BUPA International
and is subject to the terms, conditions and exclusions set forth by BUPA
International. |
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