If you need international private medical insurance for between one and three months, our Short Term Plan is the perfect solution. It covers the cost of private medical treatment in the country where you will be living for the Period of Insurance making it an ideal choice for anyone planning to live abroad for a few weeks or months.
Our Short Term Plan customers include new expats wanting to secure private healthcare while they settle into their new home, people working abroad on placements and those travelling or taking extended vacations.
Our Short Term Plan differs from travel insurance as it is designed for people living abroad short term rather than travelling for leisure.
We shall pay, within the selected area of cover and up to the maximum amount of £1,000,000/€1,500,000/$1,500,000 each Period of Insurance, in the event of the following additional or increased benefits:
Pre-authorisation is required for the following;
• All in-patient and day-care surgery and treatment benefits as listed
• MRI (Magnetic Resonance Imaging) scans, (in-patient and day-care treatment only)
• Convalescent facility and nursing care (in-patient only)
• Eye surgery (in-patient and day-care treatment only)
• Dread disease/AIDS (in-patient only)
• Medical evacuation or repatriation
• Expenses for one person accompanying an evacuated / repatriated person,
• Repatriation of mortal remains
In-patient treatment
100% of reasonable and customary charges including:
- Accommodation, operating theatre and recovery room.
- Diagnostic procedures.
- Nursing.
- Prescription drugs and medicines.
- Physicians, specialists, surgeons and anaesthetists services. Surgical appliances.
- Radiotherapy, chemotherapy and oncology.
- Accommodation in a hospital, nursing home or hotel, when it is medically necessary for a parent (being an Insured Person) to accompany an Insured Person, being a child under the age of 16 who has been admitted into hospital as an in-patient for a maximum of 30 days, up to £30/€45/$45 each day.
- A cash benefit up to £100/€150/$150 per day for a maximum of 15 days in any one period of cover will be paid to an Insured Person for each 24 hours that the Insured Person elects to be treated in a public, state or charitable hospital, and for which there is no charge made to Us for treatment or accommodation received.
If you need cover for outpatient treatment please purchase our Short Term Plus plan
Europe
Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal including Madeira and Azores, Romania, Russia: West of the Urals only, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and Vatican City
Worldwide excluding the USA
China, Greece, Guatemala, Honduras, Hong Kong, Israel, Jersey, Mexico, Russian Federation, Singapore, Switzerland, United Kingdom and anywhere in Europe.
Worldwide including the USA
Worldwide, USA, US Minor Outlying Islands
