Modules
The following provides an overview of each module – please see the List of Reimbursements for full details.
The Hospitalisation & Inpatient Treatment module is mandatory. It provides 100% cover for e.g. surgery, chemotherapy and organ transplant. This module also provides full cover for any emergency treatment and cover for expenses in connection with childbirth. Expenses are covered up to the overall annual insurance sum of the policy: USD 1,800,000, EUR 1,500,000 or GBP 1,000,000.
Outpatient Treatment covers 100% of treatment such as general practitioners and specialist consultations up to the specified maximum amounts. This module also covers prenatal and postnatal treatment. The overall annual maximum for this module is USD 35,000, EUR 29,000 or GBP 20,000.
Medicine and Appliances such as slings, bandages and hearing aids are 100% covered up to the specified maximum amounts. The overall annual maximum for this module is USD 1,000, EUR 800 or GBP 550.
Medical Evacuation covers transportation to an appropriate place of treatment if the employee has a serious illness or injury. For instance, we will cover expenses for transportation by plane or helicopter. The cover also includes expenses for an accompanying person. Expenses are covered up to the overall annual insurance sum of the policy. Medical Evacuation must be pre-approved by IHI.
Rehabilitation & Nursing provides cover for rehabilitation, home nursing or hospice, if medically prescribed by a doctor. Rehabilitation and Nursing must be pre-approved by IHI. The overall annual maximum for this module is USD 5,000, EUR 4,100 or GBP 2,850.
The Dental & Optical module provides cover for expenses in connection with dental treatment, glasses and contact lenses up to the maximum limits. The overall annual maximum for this module is USD 1,200, EUR 1,000 or GBP 700.
* Please note that no deductible, premium loadings or discounts apply to module 4 or module 6.
