GlobalSelect Standard

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The GlobalSelect Standard expatriate health insurance plan is more comprehensive than the Basic level and includes a higher annual maximum policy value. Overall maximum sum insured per person per year is £1.5m/$2.7m/€2.25m. The Standard plan offers a very wide range of in-patient and out-patient benefits, to higher cash levels than the Basic or HeadStart international insurance plans. In addition it offers a routine annual wellness check, accidental damage and emergency dental cover, out-of-country legal expenses, and worldwide Accident and Emergency Out of Area cover. The Out of Area benefits even include cover for USA elective treatment—to those whose chosen Area does not include the USA! Please see the following chart for more details about this expat medical insurance plan. If you are looking for additional international health insurance options, please feel free to contact us.

Full Benefits and Exclusions of GlobalSelect Standard:

BENEFIT	BENEFIT LEVEL
TOTAL ANNUAL BENEFIT LEVEL
Overall Aggregate Maximum Sum Insured Per Period of Insurance Per Insured Person	£1.5M/$2.7M/€2.25M
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	£200 / $360 / €300 per night up to 60 nights
Organ Transplant - for major organs	£100,000/$180,000/€150,000 Lifetime Limit
Prosthetic Devices	Full 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, Specialists and Consultants, X-rays, Pathology, Diagnostic tests and procedures, and Prescribed Drugs, Medicines, Dressings and Durable Medical Equipment	Up to £5000/$9000/€7500 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 15 visits as part of the £5000/$9000/€7500 limit
Complementary Medical Treatment	Up to £500/$900/€750
AIDS/HIV Treatment	Up to £5000/$9000/€7500 with a lifetime limit of £25000/$45000/€37500
Hormone Replacement Therapy	Full Cover 18 Month Limit Lifetime
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 45 visits
Rehabilitation	Full Cover up to 90 days
Extended Care Facility	Full Cover up to 6 months
Hospice Care	Full Cover up to 6 months
Adult Wellness and Health Check	Up to £400/$720/€600 (Nil Excess) Extended to include Hearing Test, Sight Test & Vaccinations/Inoculations
Child Wellness and Health Check	Up to £400/$720/€600 (Nil Excess) Extended to include Hearing Test, Sight Test & Vaccinations/Inoculations
Psychiatric Treatment	Up to £2500/$4500/€3750
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 £7500/$13,500/€11,250
Compassionate Home Visit - after 12 months continuous cover under the Policy	Up to £1500/$2700/€2250
USA Elective Treatment within Provider Network - Excludes non-emergency travel & accommodation (Applicable to Insureds who have not selected Area 3 – Worldwide Cover)	Up to £500,000/$900,000/€750,000 with 20% Co-Insurance (Nil Excess)
Worldwide Accident and Emergency Out Of Area Cover	45 Days Maximum, up to £20,000/$36,000/€30,000
COVER IN RESPECT OF PRE-EXISTING CONDITIONS AND CHRONIC CONDITIONS
Pre-Existing Conditions - after 24 months continuous cover under the Policy	Up to £2000/$3600/€3000 with a lifetime limit of £20,000/$36,000/€30,000
Chronic Conditions and Palliative Care	Covered as part of the pre-existing medical limits above
Stabilisation of Acute Chronic Episode	Full Cover
DENTAL TREATMENT
Emergency Treatment - In-Patient or Day-Patient	Full Cover
Accidental Damage - Out-Patient Treatment/Dental Surgery must be received within 5 days from the date of the accident occurring	Up to £250/$450/€375
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 £10,000/$18,000/€15,000
Normal Pregnancy and Delivery	No Cover
Newborn Hospital Accommodation	No Cover
Newborn Examination	No Cover
New Baby Benefit	No Cover
Cover for Newborns	£10,000/$18,000/€15,000 must enrol with parents in 31 days
NON-MEDICAL COVERS AND BENEFITS
Out of Country Legal Expenses	Up to £5000/$9000/€7500 with £250/$450/€375 Excess
Vision Contribution Benefit	No Cover
Security and Political Evacuation & Repatriation	Up to £7,500 / $13,500 / €11,250 Lifetime Limit for transportation to nearest place of safety, or home country, or country of residence in the event of your Home Country Government issuing a mandatory evacuation order of your host country
Identity Theft Cover & Assistance	Up to £250/ $450 / €375
Out of Country Criminal Assault Benefit	£500 / $900 / €750 per admitted night to a maximum of £5,000 / $9,000 / (when admitted for 48 hours or more) €7,500
Natural Disaster Evacuation & Accommodation	Up to £150 / $270 / €225 per 24 hours for up to 5 days
OTHER SERVICES AND BENEFITS
24 Hour Emergency Helpline	Included
Lost Possession Identification and Retrieval Service**	Included
Medical Information Service	Access to board-certified physicians, licensed psychologists and pharmacists to assist with any routine health related questions

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

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.