| Overall annual maximum |
|
Lifeline Essential |
Lifeline Classic |
Lifeline Gold |
| £ sterling |
|
£500,000 |
£750,000 |
£1,000,000 |
| $ US dollars |
|
$1,000,000 |
$1,500,000 |
$2,000,000 |
| € euros |
|
€750,000 |
€1,000,000 |
€1,500,000 |
| Note 1: Out-patient treatment |
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| Out-patient surgical operations |
Note 1a |
Paid in full |
Paid in full |
Paid in full |
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| Wellness - mammogram, PAP test, prostate cancer screening or colon cancer screening (after one year's membership) |
Note 1b |
Not covered |
We pay up to £ sterling 500, US$1,000 or €750 each Membership year |
We pay up to £ sterling 500, US$1,000 or €750 each Membership year |
Physiotherapy, osteopathy and chiropractor treatment
|
Note 1c |
Not covered |
We pay in full for up to 15 visits each Membership year |
We pay in full for up to 30 visits each Membership year |
| Costs for treatment by therapists and complementary medicine practitioner |
Note 1c |
Not covered |
We pay in full for up to 5 visits each Membership year |
We pay in full for up to 15 visits each Membership year |
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| Consultants' and Psychologists' fees for psychiatric treatment (after two years' membership) |
Note 1d |
Not covered |
We pay in full for up to 15 visits each Membership year |
We pay in full for up to 30 visits each Membership year |
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| Pathology, X-rays and diagnostic tests |
Note 1d |
Not covered |
We pay up to £ sterling 5,000, US$10,000 or €8,000 each Membership year |
Paid in full |
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| Consultants' fees for consultations |
Note 1f |
Not covered |
We pay up to £ sterling 5,000, US$10,000 or €8,000 each Membership year |
We pay in full for up to 35 visits each Membership year |
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| Costs for treatment by a family doctor |
Note 1g |
Not covered |
Not covered |
We pay in full for up to 35 visits each Membership year |
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| Prescribed drugs and dressings |
Note 1h |
Not covered |
Not covered |
We pay up to £ sterling 600, US$1,200 or €900 each Membership year |
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| Accident-related dental treatment |
Note 1i |
Not covered |
Not covered |
We pay up to £ sterling 400, US$800 or €600 each Membership year |
chronic cover
Prophylactic surgery
repatriation of mortal remains
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| Note 2: In-patient treatment ( see important note) |
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| Hospital accommodation |
Note 2a |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
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| Surgical operations including pre- and post-operative care |
Note 2b |
Paid in full |
Paid in full |
Paid in full |
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| Nursing care, drugs and surgical dressings |
Note 2c |
Paid in full |
Paid in full |
Paid in full |
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| Physicians' fees |
Note 2d |
Paid in full |
Paid in full |
Paid in full |
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| Theatre charges and intensive care |
Note 2e |
Paid in full |
Paid in full |
Paid in full |
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| Pathology, X-rays, diagnostic tests and physiotherapy |
Note 2f |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
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| Prosthetic implants, prosthetic devices and appliances (limited to £ sterling 2,000, US$4,000 or €3,000 per prosthetic device ) |
Note 2g |
Paid in full ... April 2009 updates |
Paid in full... April 2009 updates |
Paid in full... April 2009 updates |
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| Parent accommodation |
Note 2h |
Paid in full |
Paid in full |
Paid in full |
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| Psychiatric treatment (after two years' membership, lifetime maximum of 90 days) |
Note 2i |
Paid in full |
Paid in full |
Paid in full |
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| Note 3: Further benefits |
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| Cancer treatment |
Note 3a |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
Paid in full April 2009 updates |
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| Maternity cover (after 10 months membership) |
Note 3b |
Not covered |
We pay up to £ sterling 3,000, US$6,000 or €4,500 each Membership year (April 2009 updates ) |
We pay up to £ sterling 5,000, US$10,000 or €7,500 each Membership year (April 2009 updates ) |
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| Advanced imaging |
Note 3c |
Paid in full |
Paid in full |
Paid in full |
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| Transplant services |
Note 3d |
Paid in full |
Paid in full |
Paid in full |
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| Local road ambulance |
Note 3e |
Paid in full |
Paid in full |
Paid in full |
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| Local air ambulance |
Note 3f |
We pay up to £ sterling 5,000, US$10,000 or €7,300 each Membership year |
We pay up to £ sterling 5,000, US$10,000 or €7,300 each Membership year |
We pay up to £ sterling 5,000, US$10,000 or €7,300 each Membership year |
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| Home nursing after in-patient treatment |
Note 3g |
We pay up to £ sterling 100, US$200 or €150 each day up to a maximum of 10 days each Membership year |
We pay up to £ sterling 100, US$200 or €150 each day up to a maximum of 20 days each Membership year |
We pay up to £ sterling 100, US$160 or €200 each day up to a maximum of 30 days each Membership year |
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| In-patient cash benefit |
Note 3h |
We pay up to £ sterling 75, US$150 or €110 each night up to a maximum of 20 nights each Membership year |
We pay up to £ sterling 75, US$150 or €110 each night up to a maximum of 20 nights each Membership year |
We pay up to £ sterling 75, US$150 or €110 each night up to a maximum of 20 nights each Membership year |
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| HIV/AIDS drug therapy including ART (after 5 years' membership) |
Note 3i |
Not covered |
We pay up to £ sterling 10,000, US$20,000 or €15,000 each Membership year |
We pay up to £ sterling 10,000, US$20,000 or €15,000 each Membership year |
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| Hospice and palliative care |
Note 3j |
We pay up to £ sterling 20,000, US$40,000 or €30,000 maximum benefit for the whole of your membership |
We pay up to £ sterling 20,000, US$40,000 or €30,000 maximum benefit for the whole of your membership |
We pay up to £ sterling 20,000, US$40,000 or €30,000 maximum benefit for the whole of your membership |
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| In-patient, rehabilitation |
Note 3k |
We pay in full for up to 30 nights each Membership year |
We pay in full for up to 30 nights each Membership year |
We pay in full for up to 30 nights each Membership year |
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| Newborn care |
Note 3l |
We pay £ sterling 75,000, US$150,000 or €110,000 maximum benefit for all treatment received during the first 90 days following birth |
We pay £ sterling 75,000, US$150,000 or €110,000 maximum benefit for all treatment received during the first 90 days following birth |
We pay £ sterling 75,000, US$150,000 or €110,000 maximum benefit for all treatment received during the first 90 days following birth |
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| Healthline services |
Note 3m |
Included |
Included |
Included |
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| Note 4: Optional benefits (if purchased) |
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| USA cover |
Note 4a |
100% of costs in network 80% of costs out of network. Treatment must be pre-authorised |
100% of costs in network 80% of costs out of network. Treatment must be pre-authorised |
100% of costs in network 80% of costs out of network. Treatment must be pre-authorised |
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| Assistance cover (Evacuation and Repatriation ) |
|
See Section 4 for details of the optional Assistance cover. Your Membership Certificate will show if you have purchased this cover. The overall annual maximum benefit limit does not apply |
See Section 4 for details of the optional Assistance cover. Your Membership Certificate will show if you have purchased this cover. The overall annual maximum benefit limit does not apply |
See Section 4 for details of the optional Assistance cover. Your Membership Certificate will show if you have purchased this cover. The overall annual maximum benefit limit does not apply |
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