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Nordic Gold |
IHI Bupa ISM |
Bupa Int'l |
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NHC Global Private ~ Gold |
International Swiss Medical ~ Complete |
World Wide Options |
| Cover Summary |
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| Composition of the respective plans |
1. Hospital, 2. Outpatient, Medication, Checkups & Evac due to treatment failure |
1. Hospital, 2. Outpatient, Medication, checkups & 3. Evac (Optional) |
1. Medical Insurance (Hosp.) & Optional 2. Medical Plus (O/patient) & 3. Med & Eqpt & 4.
Evacuation & 5. Wellbeing (Dental Optical & Checkups) |
| Deductible Options |
US600, USD2,000. (The NHC Global Hosptial Only cover offes USD5,000, USD10,000 and USD20,000 pa) |
USD200 USD400 USD1,350 USD2,700 |
USD850 USD1,600 USD5,000 USD10,000 |
| Guarantee of Renewal |
Outside USA, Canada & Germany |
Worldwide |
Outside USA |
| Annual Limit |
See reference to numbers above to match limits |
See reference to numbers above to match limits |
See reference to numbers above to match limits |
| USD2,000,000 Indexed by the rate of price rise each year |
1. USD1,000.000 2. USD40,000 |
1. USD2,550.000 2. USD42,500 3. USD2,550 4. Unlimited 5 USD8,550 |
| USA Elective Treatment |
with loading |
100% |
with loading |
| Initial waiting period for routine claims |
nil |
4 weeks unless transferring from another plan |
nil |
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| Inpatient benefits |
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| Standard Private Room Accomodation |
100% |
100% |
100% |
| Intensive care unit |
100% |
100% |
100% |
| Surgery, treatment, tests, scans |
100% |
100% |
100% |
| Medicine, dressings and nursing |
100% |
100% |
100% |
| Oncology |
100% |
100% |
100% |
| Pacemaker and other surgery implants |
100% |
USD25,000 |
100% |
| Organ transplant - Bunt NOT purchase costs. |
100% and as well the donor's costs for harvesting |
USD345,000 |
USD255,000 and as well the donor's costs for harvesting ONLY if donor a BUPA Int'l member |
| Dialysis |
100% |
100% |
100% |
| Accomodation for one legal guardian (per day) |
USD200 |
100% |
100% |
| Physiotherapy applied in hospital |
100% |
100% |
100% |
| Patient transport to hospital |
100% |
USD3,350 |
100% |
| Medical evacuation (emergency) |
100% |
Optional |
Optional |
| Hospital cash benefit when treatment is free |
USD100 |
Nil |
USD170 |
| (30 days max) |
(30 days max) |
| Emergency room treatment |
100% |
100% |
100% |
| HIV/AIDS treatment |
USD20,000 (Platinum offers 100% cover) Need submit aids test with application |
100% if due to by transfusion or medical occupation, but must provide test result after infection |
100% - Covered as per policy conditions, provided not pre-existing |
| Rehabilitation |
USD10,000 |
USD600 / day USD54,000 total / year |
100% |
| 90 days max |
Up to 3 months Max |
30 days max |
| Hospice and terminal care |
USD10,000 |
Nil |
USD34,000 lifetime limit |
| Cover for Congenital birth defects, inherited disorders, malformations and related conditions |
USD40,000 per year, for hospital cover, IF diagnosed before the age of 3 |
100% hospital cover providing mother 12 months on plan |
Lifetime limt USD34,000 |
| Dental Accident |
Up to USD10,000 or USD20,000 IF you add dental cover |
Acute emergency dental treatment
due to serious accident requiring
hospitalisation
In case of doubt, the decision will
be left with IHI Bupa consultant |
100% |
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| Outpatient benefits |
Included with Hospital |
Optional |
Optional |
| Including Medication |
Optional |
| IF included in your plan the Max cover is |
Same as US$2m, shared with hospital |
Part of the Outpatient Max of USD40,000, reimbursed 90% |
USD42,500 pa |
| Including Medication |
USD2,550 pa, but long term medication capped @ USD17.000 pa (Reimbursed 80%) to a lifetime max of
USD102,000. |
| Surgery |
100% |
100% |
100% |
| GP/specialist consultations and treatment |
100% |
90% - Max 15 visits each 30 day period for GPS and specialists separately. Total max 30 visits per
month! |
100% Max 35 visits / year |
| Lab tests, x-rays, scans, endoscopies |
100% |
90% |
100% |
| Physiotherapy, Osteotherapy, Chiropractor & Speech therapy |
Max USD1500 pa (Chiropractic, acupuncture & speech therapy included) |
Max 12 visits / pa speech therapy @90%; ; chiropractor & osteopath reimbursed 50% |
100% upto 30 visits Physiotherapy, osteopathy and chiropractor treatment Includes Speech therapy
|
| Chinese Medicine |
Nil |
Nil |
100% up to 15 visits - Includes acupuncture and homeopathy but no cover for ayurvedic
treatment or aromatherapy |
| Acupuncture, homeopathic treatment, |
Acupuncture included with Phsiotherapy |
IF performed by a physicia,n, 90% to max.USD2,200 / year - incl. neuraltherapy, phytotherapy &
antroposophic treatments |
| Home nursing |
100% |
USD135 / day max |
100% |
| 90 days max |
40 days max |
30 days / year |
| Health checks & Vaccinations |
USD300 /year (Platinum USD600/ year) |
USD500/yearr checkup, 90% vaccination |
Full health screen
Mammogram
Papanicolaou (PAP) test
Prostate cancer screen
Colon cancer screen
Bone densitometry
Four dietetic consultations / year
Vaccinations Max USD 850 /year |
| Outpatient over for Congenital birth defects, inherited disorders, malformations and related
conditions |
USD10,000 per year, for outpatient cover, IF diagnosed before the age of 3 |
90% but note: Max US$40,000 for outpatient care. |
Max USD127,500 during first 90 days after birth |
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| Psychiatric Treatment |
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| In-patient psychiatric care |
100% |
Nil |
90 days overnight with Max 90 LIFETIME limit, but day case treatment permitted @ 20 visits / year |
| Out-patient psychiatric care |
USD2,000 |
90%, but as with other specialists - Max 15 visits / 30 days |
100% upto 30 visits for both psychiatric and psychological consulations |
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| Maternity and childbirth benefits |
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| Waiting period |
12 months |
12 months |
10 months |
| Normal pregnancy and delivery costs including elective cesareans |
USD10,000 (USD20,000 if you choose Platinum cover) |
100% in hospital, 90% for outpatient treatment/visits |
USD11,050 hospital delivery + USD3,400 for pre and post natal outpatient care |
| Complications of pregnancy and childbirth |
100% |
100% - but not for elective caesareans which are only reimburse as per normal delivery |
100% |
| Child birth based on fertility treatment |
Covered as per a normal pregnancy / childbirth. No cover for pregnancy/ birth complications or
miscarriage if fertiity treatment involved |
Delivery following fertility treatment will be reimbursed to a max. of the customary charges for
normal delivery |
100% |
| Newborn Cover |
Under the cover of the mother within one month of birth. If there are congenital problems then see
above |
In full, as per policy conditions |
USD127,500 Max for first 90 days after birth |
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| Chronic Conditions |
100% |
100% hospital 90% Outpatient |
Lifetime limit USD102,000.. Medication @ 80%up to USD17,000 After 3 years |
| Consultations, tests and medication |
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| Evacuation and Repatriation |
Included |
Optional |
Optional |
| Medical evacuation and repatriation to residential/other country |
100% on medical grounds for 'treatment failure' |
Transportation to the nearest suitable place of treatment if you have a serious illness or injury. |
Transportation to the nearest suitable place of treatment if you have a serious illness or injury. |
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| Dental Treatment |
Optional - Choice of Standard or Extended Dental |
Optional |
Optional- inclded with medical check ups as per '5' - Wellbeing |
| Waiting Period |
6 month waiting period is waived if you pay annually |
Standard 6 month wait for routine treatment and 12 month wait for crowns bridges etc |
Preventive and routine dental treatment is available after 6months’ membership Orthodontic treatment up
to the age of 19 is available after 2years’ membership |
| Routine dental treatment including check up |
(Supplementary cover) Standard USD 2,000 pax / year @65% for routine treatments & USD
10,000 for emergency tretment |
75% reimbursed to US$2,000 pa |
100% for preventtive, 80% for routine and major restorative -thought orthodontic capped @
50% . Max pa USD5.950 |
| Major restorative dental treatment |
| Emergency in-patient dental treatment |
100% |
100% |
| Emergency out-patient dental treatment |
USD850 - part of '2' worldwide medical plus - outpatient module(optional) |
| Vision |
Nil |
USD270 /year for lenses not frames, nor sunglases |
Each year
Spectacle lenses
100%
Contact lenses
80%
Spectacle frames
Once every two membership years, 80% up to
USD150 |
| E. & O. E. Please consult insurers policies or ask us to help clarify any points of
concern. This summary is intended as an overview |
