GlobalSelect Basic

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GlobalSelect Basic overseas health insurance is one level up from the HeadStart plan and gives you several more benefits in addition. The overall maximum sum insured is £1m/$1.8m/€1.5m per year per person. This international medical insurance plan includes in-patient/day-patient treatment like the HeadStart plan, with a wider range of out-patient benefits. As well as full cover for out-patient surgery, MRI/CT scans and all cancer tests and treatment, Basic also includes cover for family doctor visits, prescriptions, rehabilitation, hospice care, emergency dental treatment, pregnancy complications, cover for newborns, and pre-existing conditions after 24 months. Full details about Basic expatriate medical insurance listed below. For other global health insurance options, be sure to view the rest of our GlobalSelect plans. A key feature under the plan is if you go outside your area of cover, the plan offers travel health insurance and out-of-area benefits, including emergency accident and sickness cover and emergency evacuation. Full details about Basic expatriate health insurance are listed below. For other international health insurance or international life insurance options, be sure to view our Products page.

Full Benefits and Exclusions of GlobalSelect Basic:

BENEFIT	BENEFIT LEVEL
TOTAL ANNUAL BENEFIT LEVEL
Overall Aggregate Maximum Sum Insured Per Period of Insurance Per Insured Person	£1M/$1.8M/€1.5M
IN-PATIENT & DAY-PATIENT TREATMENT
Hospital Accommodation and Theatre	Full Cover
Accidents, Emergencies, Intensive Care	Full Cover
Surgeons, Consultants, Anaesthetists & Nurses and Ancillary Charges	Full Cover
Medical Practitioners	Full Cover
Prescribed Drugs, Dressings and Durable Medical Equipment	Full Cover
Reconstructive Therapy	Full Cover
Diagnostic Tests and Procedures, X-rays, Pathology & MRI/CT Scans	Full Cover
Cancer Tests, Drugs, Treatment and Consultants	Full Cover
Physiotherapy	Full Cover
Parental Hospital Accommodation - with an insured child under 18	Full Cover
Post Hospitalisation Treatment - received within 90 days of being discharged from hospital	Full Cover
Hospital Cash Benefit	£150 / $270 / €225 per night up to 60 nights
Organ Transplant - for major organs	£100,000/$180,000/€150,000 Lifetime Limit
Prosthetic Devices	No Cover
Psychiatric Treatment - after 12 months continuous cover under the Policy	Full Cover to a maximum of 30 days
OUT-PATIENT TREATMENT
Family Doctor, Treatment & Referrals	Up to £300 / $540 / €450 per Period of Insurance not conditional upon pre or post hospital treatment
Specialists and Consultants, X-rays, Pathology, Diagnostic tests and procedures, and Prescribed Drugs, Medicines, Dressings and Durable Medical Equipment	Up to £1500/$2700/€2250 per condition for pre and post hospital treatment
Out-Patient Surgery	Full Cover
MRI and CT Scans	Full Cover
Cancer Tests, Drugs, Treatment and Consultants	Full Cover
Physiotherapy, Homeopathic and Osteopathic Therapy	Maximum 10 visits as part of the £1500/$2700/€2250 limit
Complementary Medical Treatment	No Cover
AIDS/HIV Treatment	No Cover
Hormone Replacement Therapy	No Cover
Home Nursing Care - Primary care services of a registered nurse in the insured person’s home immediately after, or instead of, in-patient or day care treatment	Up to £75/$135/€115 per night to a maximum of 30 visits
Rehabilitation	Full Cover up to 30 days
Extended Care Facility	Full Cover up to 6 months
Hospice Care	Full Cover up to 6 months
Adult Wellness and Health Check	No Cover
Child Wellness and Health Check	No Cover
Psychiatric Treatment	No Cover
TRAVEL, TRANSPORTATION AND OUT OF AREA BENEFITS
Emergency Local Ambulance	Full Cover
Emergency Evacuation and Transportation	Full Cover To nearest medical facility, Home Country or country of choice within Your Area of Cover
Accompanying Relative Travel and Accommodation	Full Cover
Cremation/Burial or Repatriation of Remains	Up to £5000/$9000/€7500
Compassionate Home Visit - after 12 months continuous cover under the Policy	Up to £1000/$1800/€1500
USA Elective Treatment within Provider Network	No Cover
Worldwide Accident and Emergency Out Of Area Cover	30 Days Maximum, up to £15,000/$27,000/€22,500
COVER IN RESPECT OF PRE-EXISTING CONDITIONS AND CHRONIC CONDITIONS
Pre-Existing Conditions - after 24 months continuous cover under the Policy	Up to £1500/$2700/€2250 with a lifetime limit of £15,000/$27,000/€22,500
Chronic Conditions and Palliative Care	No Cover
Stabilisation of Acute Chronic Episode	Up to £5000/$9000/€7500

DENTAL TREATMENT
Emergency Treatment - In-Patient or Day-Patient	Full Cover
Accidental Damage	No Cover
Emergency Treatment - Out-Patient/Dental Surgery	No Cover
Routine Treatment - Out-Patient	No Cover
Major Restorative Treatment	No Cover
MATERNITY COVER – after 12 months continuous coverage
Pregnancy Complications Including Medically Required C-Section	Up to £5000/$9000/€750
Normal Pregnancy and Delivery	No Cover
Newborn Hospital Accommodation	No Cover
Newborn Examination	No Cover
New Baby Benefit	No Cover
Cover for Newborns	£5000/$9000/€7500 must enrol with parents in 31 days
NON-MEDICAL COVERS AND BENEFITS
Out of Country Legal Expenses	No Cover
Vision Contribution Benefit	No Cover
Out of Country Car Rental Insurance *	For trips up to 31 days maximum, Insureds aged 21-74 years
- Loss/Damage Waiver	No Cover
- Supplemental Liability Insurance	No Cover
- Hit and Run, Uninsured and Under Insured Motorists	No Cover
OTHER SERVICES AND BENEFITS
24 Hour Emergency Helpline	Included
Lost Possession Identification and Retrieval Service**	Included

* Insured by White Horse Insurance Ireland Limited and cover issued under separate policy documentation included within the GlobalSelect fulfilment pack. Please refer to separate Policy Summary in respect of Out of Country Car Rental Insurance.

** Service provided by third party and membership issued under separate documentation included within the GlobalSelect fulfilment pack.)

"Full Cover" means up to the applicable overall aggregate maximum sum insured i.e. £1M or $1.8M or €1.5M

This Schedule of Cover and Excesses is only a summary and must be read in conjunction with the GlobalSelect Policy Wording (copy available upon request), and all sections and cover are subject to all terms and conditions.