International Health Insurance

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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?

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.
Preventive treatment – ie. treatment for a condition when no symptom is present (unless otherwise covered by the Wellness benefit on the Classic and Gold levels of cover).
Physiological changes: naturally occurring conditions caused by puberty or ageing are not covered.
Health hydros/nature cure clinics.
Elective cosmetic surgery/treatment.
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$1,000,000, €750,000	£750,000, US$1,500,000, €1,000,000	£1,000,000, US$2,000,000, €1,500,000
OUT-PATIENT TREATMENT
Out-patient surgical operations	Paid in Full	Paid in Full	Paid in Full
Wellness - Mammogram, PAP test, prostate and colon cancer screening (after 1 year’s membership)	Not covered	Up to £500, US$1,000, €750 each membership year	Up to £500, US$1,000, €750 each membership year
Physiotherapy, osteopathy and chiropractor treatment	Not covered	Paid in Full up to 15 visits each membership year	Paid in Full up to 30 visits each membership year
Costs for treatment by therapists and complimentary medical practitioners	Not covered	Paid in Full up to 5 visits each membership year	Paid in Full up to 15 visits each membership year
Consultants fees and psychologists fees for psychiatric treatment (after 2 years' membership)	Not covered	Paid in Full up to 15 visits each membership year	Paid in Full up to 30 visits each membership year
Pathology, x-ray and diagnostic tests	Not covered	Up to £5,000, US$10,000, €8,000 each membership year	Paid in Full
Consultants fees for consultations	Not covered	Up to £5,000, US$10,000, €8,000 each membership year	Paid in Full up to 35 visits
Costs for treatment by a family doctor	Not covered	Not covered	Paid in Full up to 35 visits
Prescribed drugs and dressings	Not covered	Not covered	Up to £600, US$1,200, €900 each membership year
Accident related dental treatment	Not covered	Not covered	Up to £400, US$800, €600 each membership year
IN-PATIENT TREATMENT
Hospital accommodation	Paid in Full	Paid in Full	Paid in Full
Surgical operations including pre and post operative care
Nursing care, drugs and surgical dressings
Physicians' fees
Theatre charges and intensive care
Pathology, x-rays, diagnostic tests and physiotherapy
Prosthesis and appliances
Parent accommodation (staying with a child under 18)
Psychiatric treatment (after 2 years' membership)
FURTHER BENEFITS
Cancer treatment	Paid in Full	Paid in Full	Paid in Full
Maternity cover (after 10 months membership)	Not covered	Up to £3,000, US$6,000, €4,500 each membership year	Up to £5,000, US$10,000, €7,500 each membership year
MRI, CT and PET scans Transplant services Local Road Ambulance	Paid in Full	Paid in Full	Paid in Full
Local air ambulance	Up to £5,000, US$10,000, €7,300 each membership year	Up to £5,000, US$10,000, €7,300 each membership year	Up to £5,000, US$10,000, €7,300 each membership year
Home nursing after in-patient treatment	Up to £100, US$200, €150 each day up to a maximum of 10 days each membership year	Up to £100, US$200, €150 each day up to a maximum of 20 days each membership year	Up to £100, US$200, €150 each day up to a maximum of 30 days each membership year
In-patient cash benefit	Up to £75, US$150, €110 each day up to a maximum of 20 days each membership year	Up to £75, US$150, €110 each day up to a maximum of 20 days each membership year	Up to £75, US$150, €110 each day up to a maximum of 20 days each membership year
HIV/AIDS drug therapy including ART (after 5 years' membership)	Not covered	Up to £10,000, US$20,000, €15,000 each membership year	Up to £10,000, US$20,000, €15,000 each membership year
Hospice and palliative care	Up to £20,000, US$40,000, €30,000 for the whole of your membership	Up to £20,000, US$40,000, €30,000 for the whole of your membership	Up to £20,000, US$40,000, €30,000 for the whole of your membership
In-patient rehabilitation	Paid in full up to 30 nights each membership year	Paid in full up to 30 nights each membership year	Paid in full up to 30 nights each membership year
Newborn care (90 days following birth)	£75,000, US150,000, €110,000 maximum benefit for all treatment received during the first 90 days following birth	£75,000, US150,000, €110,000 maximum benefit for all treatment received during the first 90 days following birth	£75,000, US150,000, €110,000 maximum benefit for all treatment received during the first 90 days following birth
Healthline Services (medical information and advice telephone service)	Included	Included	Included

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.