Hospital plan
Reimbursements under the Hospital Plan are effected at 100% of the expenses, unless you have chosen a deductible. In this case, you will be reimbursed as soon as qualified expenses exceed the amount of the deductible. Reimbursements will not in any event exceed the following amounts or the overall annual maximum cover per person per policy year of EUR 1,500,000/GBP 1,200,000/USD 1,800,000.
| Hospital Services - During Hospitalisation |
100% |
| Semi-private/private room |
100% |
| Intensive care room |
100% |
| Room and board for a parent accompanying an insured child |
100% |
| Surgery |
100% |
| Medical treatment, laboratory tests, X-rays |
100% |
| Medicine while in hospital |
100% |
| Pacemaker |
100% |
| Psychiatric treatment |
100% |
| Outpatient Treatment in a Hospital or Clinic |
| Surgery |
100% |
| Chemotherapy, radiotherapy |
100% |
| Dialysis |
100% |
| Other outpatient treatment is reimbursed under Module 1 Non-Hospitalisation Benefits |
| Childbirth |
Hospital Plan |
Hospital Plan + Module 1
– Non-Hospitalisation
Benefits |
|
EUR |
GBP |
USD |
EUR |
GBP |
USD |
Normal delivery, complicated delivery and elective caesarean delivery, incl. pre- and
postnatal treatment
Max. per delivery |
100%
5,200 |
100%
3,575 |
100%
6,500 |
100%
8,800 |
100%
6,050 |
100%
11,000 |
Medically prescribed caesarean, incl. pre- and postnatal treatment
Max. per delivery |
100%
9,650 |
100%
6,650 |
100%
12,000 |
100%
11,500 |
100%
7,800 |
100%
14,000 |
Delivery/caesarean following fertility treatment
Excluding pre- and postnatal treatment, max. |
100%
4,000 |
100%
2,750 |
100%
5,000 |
100%
6,500 |
100%
4,400 |
100%
8,000 |
| The above maximum rates for maternity shall be reduced by the deductible chosen |
| Childbirth / Home Delivery |
EUR |
GBP |
USD |
| Doctor/specialist, midwife |
145 |
100 |
165 |
| Home nursing in connection with home delivery |
435 |
300 |
490 |
| Pre- and postnatal examinations are reimbursed under Module 1 Non-Hospitalisation Benefits |
| Organ Transplant |
EUR |
GBP |
USD |
| Organ transplant |
100% |
100% |
100% |
Per diagnosis and course of treatment all included, max.
Only human organs
The procurement of the organ must be pre-approved by the Company |
270,000 |
187,500 |
300,000 |
| Emergency Room Treatment |
| Emergency room treatment in connection with acute illness or accident |
100% |
100% |
100% |
| Local Transport by Ambulance |
EUR |
GBP |
USD |
| Medically prescribed transport to and from hospital |
100% |
100% |
100% |
| Per policy year, max. |
1,500 |
1,000 |
1,600 |
| Rehabilitation |
EUR |
GBP |
USD |
| Medically prescribed rehabilitation in connection with treatment at an authorised rehabilitation centre |
100% |
100% |
100% |
| Max. per day for max. 3 months per illness |
330 |
220 |
355 |
| Home Nursing |
EUR |
GBP |
USD |
| For expenses incurred for medically prescribed assistance in your private home by a certified nurse |
100% |
100% |
100% |
| Max. per day for max. 40 days per policy year |
130 |
84 |
135 |
| Hospital Cash Benefit |
EUR |
GBP |
USD |
| If room, board and treatment are received free of charge, per night max. |
90 |
60 |
100 |
| Max. 60 nights per policy year (must be pre-approved by the Company) |
| Emergency Dental Treatment |
| Acute emergency dental treatment due to serious accident requiring hospitalisation |
100% |
100% |
100% |
| In case of doubt, the decision will be left with the Company's dental consultant |
| Online Services |
- Manage your policy online, e.g. online payments, status on recent claims
- General health advice and second opinions from IHI’s medical consultants
- Access to a range of health related information
and much more... |