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Global Select Benefits

The schedule of benefits must be read in conjunction with the GlobalSelect Policy Wording, and all sections and cover are subject to all terms and conditions. Each GlobalSelect sub-plan has a different column to identify the specific limits of cover and sections that are applicable to it.

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KEY to Schedule of Excesses (Unless identified elsewhere within the Policy Wording, the Excesses applicable per Section)
	Full Cover after the Standard Sub-Plan Excess (or your Voluntary Medical Excess) as identified on your Certificate Of Insurance, per Medical Condition claimed per Period of Insurance, unless stated otherwise
	Covered up to the amounts shown after the Standard Sub-Plan Excess (or your Voluntary Medical Excess) as identified on your Certificate Of Insurance, per Medical Condition claimed per Period of Insurance, unless stated otherwise
	No cover available

GlobalSelect		HeadStart	Basic	Standard	Executive
OVERALL AGGREGATE MAXIMUM SUM INSURED PER PERIOD OF INSURANCE PER INSURED PERSON		£1 M $1.8M €1.5M	£1 M $1.8M €1.5M	£1.5M $2.7M €2.25M	£5M $9M €7.5M
A	A In-Patient & Day-Patient Treatment
1	Hospital Accommodation & Theatre	Full Cover	Full Cover	Full Cover	Full Cover
2	Accidents, Emergencies, Intensive Care inc. Surgical Care, Second Surgical Opinion, Anaesthetics, Medical Practitioner charges for Surgery, Treatment, Services and Supplies routinely provided
3	Surgeons, Consultants, Anaesthetists, Nurses and Ancillary Charges
4	Medical Practitioners
5	Prescribed Drugs, Dressings and Durable Medical Equipment
6	Reconstructive Surgery-following an accident or following surgery for an eligible condition
7	Diagnostic Tests and Procedures, X-rays, Pathology, & MRI/CT Scans
8	Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy
9	Physiotherapy
10	Parental Hospital Accommodation
11	Post Hospitalisation Treatment - received within 90 days of being discharged from hospital
12	Hospital Cash Benefit	£100/night $180/night €150/night 60 nights	£100/night $180/night €150/night 60 nights	£150/night $270/night €225/night 60 nights	£200 $360 €300 60 nights
13	Organ Transplant (major covered organs)	No Cover	£100,000 $180,000 €150,000 Lifetime Limit	£100,000 $180,000 €150,000 Lifetime Limit	£200,000 $360,000 €300,000 Lifetime Limit
14	Prosthetic Devices	No Cover	No Cover	Full Cover	Full Cover
15	Psychiatric Treatment -after 12 months continuous cover under the Policy	Full Cover, to a maximum of 30 days	Full Cover, to a maximum of 30 days	Full Cover, to a maximum of 30 days	Full Cover, to a maximum of 30 days
B	Out-Patient Treatment and Wellness Benefits
1	Family Doctor, Treatment & Referrals	No Cover	Up to £1,500 $2,700 €2,250 per condition for pre & post hospital treatment	Up to £5,000 $9,000 €7,500	Full Cover
2	Specialists and Consultants (fees for consultations)	Up to £400 $720 €600 per Condition prior to admission, then up to £1,000 $1,800 €1,500 following out-patient surgery or inpatient/ day-patient treatment		Up to £5,000 $9,000 €7,500	Full Cover
3	X-rays, Pathology, Diagnostic Tests and Procedures	Up to £200 $360 €300 per condition prior to admission and following out-patient surgery or inpatient/ day-patient treatment	As part of the £1,500 $2,700 €2,250 per condition for pre & post hospital treatment limit	As part of the £5,000 $9,000 €7,500 limit	Full Cover
4	Prescribed Drugs, Medicines, Dressings and Durable Medical Equipment	No Cover		As part of the £5,000 $9,000 €7,500 limit
5	Out-Patient Surgery	Full Cover	Full Cover	Full Cover
6	MRI and CT Scans
7	Cancer Tests, Drugs, Treatment and Consultants
8	Physiotherapy, Homeopathic and Osteopathic Therapy	No Cover	Maximum 10 visits as part of the £1,500 $2,700 €2,250 limit	Maximum 15 visits as part of the £5,000 $9,000 €7,500 limit	Up to £2,500 $4,500 €3,750 for up to 20 visits
9	Complementary Medical Treatment: Acupuncture, Aroma Therapy, Chiropractic Therapy, Herbal Therapy, Magnetic Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese Medicine when referred by a Doctor, General Medical Practitioner (GP)		No Cover	Up to £500 $900 €750	Up to £2,500 $4,500 €3,750
10	AIDS/HIV Treatment			Up to £5,000 $9,000 €7,500, with a lifetime limit of £10,000 $18,000 €15,000	Up to £5,000 $9,000 €7,500, with a lifetime limit of £20,000 $36,000 €30,000
11	Hormone Replacement Therapy-Early Onset			Full Cover 18 Month Limit Lifetime	Full Cover 18 Month Limit Lifetime
12	Home Nursing Care Primary care services of a registered nurse in the insured person's home immediately after, or instead of, in-patient/day patient treatment	Up to £75 $135 €115 visit to a maximum of 15 visits	Up to £75 $135 €115 visit to a maximum of 30 visits	Up to £75 $135 €115 visit to a maximum of 45 visits	Up to £75 $135 €115 visit to a maximum of 60 visits
13	Rehabilitation	No Cover	Full Cover Up to 30 Days	Full Cover Up to 90 Days	Full Cover Up to 180 Days
14	Extended Care Facility		Full Cover Up to 6 Months	Full Cover Up to 6 Months	Full Cover Up to 6 Months
15	Hospice Care		Full Cover Up to 6 Months	Full Cover Up to 6 Months	Full Cover Up to 6 Months
16	Adult Wellness and Health Check Medical check-up, cervical smear, mammogram, prostate cancer test. - after 12 months continuous cover under the Policy		No Cover	Up to £150 $270 €225 (nil Excess)	Up to £250 $450 €375 (nil Excess)
17	Child Wellness and Health Check - after 12 months continuous cover under the Policy			Up to £150 $270 /€225 (nil Excess)	Up to £250 $450 /€375 (nil Excess)
18	Psychiatric Treatment -after 12 months continuous cover under the Policy			Up to £2,500 $4,500 €3,750	Up to £2,500 $4,500 €3,750
C	Travel, Transportation and Out Of Area Benefits
1	Emergency Local Ambulance	Full Cover	Full Cover	Full Cover	Full Cover
2	Emergency Evacuation and Transportation	Full Cover To nearest medical facility within Your Area of Cover	Full Cover To nearest medical facility, Home Country, or country of choice within Your Area of Cover	Full Cover To nearest medical facility, Home Country, or country of choice within Your Area of Cover	Full Cover To nearest medical facility, Home Country, or country of choice within Your Area of Cover
3	Accompanying Relative, Travel and Accommodation	No Cover	Full Cover	Full Cover	Full Cover
4	Cremation/Burial or Repatriation of Remains	Up to £5,000 $9,000 €7,500	Up to £5,000 $9,000 €7,500	Up to £7,500 $13,500 €11,250	Up to £10,000 $18,000 €15,000
5	Compassionate Visit - after 12 months continuous cover under the Policy	No Cover	Up to £1,000 $1,800 €1,500	Up to £1,500 $2,700 €2,250	Up to £1,500 $2,700 €2,250
6	USA Elective Treatment within Provider Network Excludes non-emergency travel & accommodation (Applicable to Insureds who have not selected Area 3 - Worldwide Cover)		No Cover	Up to £500,000 $900,000 €750,000 with 20% Co-Insurance (nil Excess)	Up to £500,000 $900,000 €750,000 with 20% Co-Insurance (nil Excess)
7	Worldwide Accident and Emergency Out of Area Cover		30 Days Maximum, up to £15,000 $27,000 €22,500	45 Days Maximum, up to £20,000 $36,000 €30,000	60 Days Maximum, up to £20,000 $36,000 €30,000
D	Cover in respect of Pre-Existing Medical Conditions and Chronic Conditions
1	Pre-Existing Conditions -After 24 months continuous cover (unless excluded or terms applied as indicated otherwise in writing)	No Cover	Up to £1,500 $2,700 €2,250,with a Lifetime limit of £15,000 $27,000 €22,500	Up to £2,000 $3,600 €3,000,with a Lifetime limit of £20,000 $36,000 €30,000	Up to £3,000 $5,400 €4,500,with a Lifetime limit of £30,000 $54,000 €45,000
2	Chronic Conditions and Palliative Care		No Cover	Covered as part of the pre-existing conditions limits above	Covered as part of the pre-existing conditions limits above
3	Stabilisation of Acute Chronic Episode		Up to £5,000 $9,000 €7,500	Full Cover	Full Cover
E	Dental Treatment
1	Emergency Dental Treatment (In Patient or Day Patient)	No Cover	Full Cover	Full Cover	Full Cover
2	Accidental Dental Damage caused to sound natural teeth lost or damaged in an accident. Out Patient Treatment/Dental Surgery must be received within 5 days from the date of the accident occurring		No Cover	Up to £250 $450 €375	Full Cover
3	Emergency Dental Treatment (Out patient/Dental Surgery) For relief of pain, being treatment of an abscess, cracked or broken tooth rebuild or temporary filling within 5 days of the event			No Cover	Up To £250 $450 €375 in aggregate - subject to 25% coinsurance (nil Excess)
4	Routine Dental Treatment (Out patient)* for the restoration of natural teeth a) examinations, check-up and x-rays b) tooth cleaning and polishing c) normal compound fillings, simple or nonsurgical extractions *incurred after 180 days from the effective date.				Up To £400 $720 €600 in aggregate a) £50 $90 €75 visit, maximum two visits each Period of Insurance b) £50 $90 €75 /visit, maximum two visits each Period of Insurance c) £50 $90 €75 each tooth (£80 $145 €120 wisdom tooth) Subject to 25% coinsurance (nil Excess)
5	Major Restorative Dental Treatment** -Removal of impacted, buried or unerrupted teeth, removal of roots, removal of solid odontomes, apicetomy, new or repair of bridgework, new or repair of crowns (not precious metal), root canal treatment, new or repair of upper or lower dentures ** incurred after 12 months from the Effective Date.				Up To £750 $1,350 €1,125 in aggregate, subject to 50% Coinsurance (nil Excess)
F	Maternity Cover – after 12 months continuous coverage
1	Pregnancy Complications Including Medically Required C-Section	No Cover	Up to £5,000 $9,000 €7,500	Up to £10,000 $18,000 €15,000	Full Cover
2	Normal Pregnancy and Delivery Including Premature Birth Treatment, Pre, Post and Routine Natal Care		No Cover	No Cover	Up to £5,000 $9,000 €7,500 subject to 20% Coinsurance (nil Excess)
3	Newborn Hospital Accommodation				Up to 14 Days
4	Newborn Examination				Up to £150 $270 €225
5	New Baby Benefit				£100 $180 €150 (nil Excess)
6	Cover for Newborns including non-hereditary birth defects and congenital abnormalities		£5,000 $9,000 €7,500, must enrol with parents in 31 days	£10,000 $18,000 €15,000 must enrol with parents in 31 days	£25,000 $45,000 €37,500 must enrol with parents in 31 days
G	Non-Medical Insured Covers and Benefits
1	Out Of Country Legal Expenses	No Cover	No Cover	Up to £5,000 $9,000 €7,500 (£250 $450 €375 excess)	Up to £7,500 $13,500 €11,250 (£250 $450 €375 excess)
2	Vision Contribution Benefit	No Cover	No Cover	No Cover	£200 $360 €300 subject to 50% Coinsurance
3	Out of Country Car Rental Insurance*	For trips of up to 31 days maximum, Insureds aged 21-74 years
3.1	- Loss/Damage Waiver	No Cover	No Cover	$50,000	$50,000
3.2	- Supplemental Liability Insurance			No Cover	$1,000,000
3.3	- Hit & Run, Uninsured and Under Insured Motorists			No Cover	$100,000

You can also download a PDF version of the benfits which is available here.

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