GlobalSelect HeadStart

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This is our entry-level plan, designed for the budget-conscious, to give you the essentials of expatriate health insurance - and a surprising amount more. This worldwide medical insurance includes full cover for in-patient/day-patient treatment, and also full cover for out-patient surgery, MRI/CT scans and all cancer tests and treatment. In addition, HeadStart also includes cover for out-patient visits to specialists and consultants, local ambulance, x-rays, pathology, and diagnostic tests and procedures. Overall maximum sum insured per year per person is £1m/$1.8m/€1.5m. Other features include emergency evacuation and cremation/burial or repatriation of remains. For wider-ranging international health insurance options, please see the Basic, Standard, and Executive plans. Along with international health insurance, we offer several types of international insurance plans, including disability insurance, international life insurance and travel insurance. To learn more about the different types of polices and how we can meet your specific needs, please contact us today.

Full Benefits and Exclusions of GlobalSelect HeadStart:

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	£100 / $180 / €150 per night up to 60 nights
Organ Transplant - for major organs	No Cover
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	No Cover
Specialists and Consultants	Up to £400/$720/€600 per condition prior to admission, then up to £1000/$1800/€1500 following out-patient surgery or in-patient/day-patient treatment
X-rays, Pathology, Diagnostic tests and procedures	Up to £200/$360/€300 per condition prior to admission following out-patient surgery or in-patient/day-patient treatment
Prescribed Drugs, Medicines, Dressings and Durable Medical Equipment	No Cover
Out-Patient Surgery	Full Cover
MRI and CT Scans	Full Cover
Cancer Tests, Drugs, Treatment and Consultants	Full Cover
Physiotherapy, Homeopathic and Osteopathic Therapy	No Cover
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 15 visits
Rehabilitation	No Cover
Extended Care Facility	No Cover
Hospice Care	No Cover
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 within your area of cover
Accompanying Relative Travel and Accommodation	No Cover
Cremation/Burial or Repatriation of Remains	Up to £5000/$9000/€7500
Compassionate Home Visit	No Cover
USA Elective Treatment within Provider Network	No Cover
Worldwide Accident and Emergency Out Of Area Cover	No Cover
COVER IN RESPECT OF PRE-EXISTING CONDITIONS AND CHRONIC CONDITIONS	No Cover
DENTAL TREATMENT	No Cover
MATERNITY COVER	No Cover
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.