| Global Health Essential | Global Health Essential |
|---|
| ANNUAL LIMIT | $250,000 | $500,000 |
| STANDARD EXCESS | Nil | Applied once per claim unless otherwise stated. $50 (i1) |
| HOSPITAL TREATMENT | |
| Semi-private accommodation | Full refund | Full refund |
| Private accommodation | The maximum amount refunded per day towards the cost of a private room. $120 (i2) | The maximum amount refunded per day towards the cost of a private room. $150 (i2) |
| Specialist treatment, tests and surgery | Full refund | Full refund |
| Parent accommodation | Full refund | Full refund |
Heart, kidney, liver, lung, heart and lung, and bone marrow transplants. Organ & bone marrow transplants (i3) | Full refund | Full refund |
The life-time limit for palliative care of a medical condition. Hospice and palliative care (i4) | $15,000 | $25,000 |
| Road ambulance | $1,200 | $1,600 |
| TREATMENT FOR CANCER | |
Full refund for the treatment of cancer including surgery, chemotherapy and radiotherapy. In-patient and day-patient (i5) | Full refund | Full refund |
| Out-patient | Full refund for follow-up consultations and tests within one year from surgery or completion of chemotherapy or radiotherapy for Essential Care, and within two years for Essential Care Plus. The excess will be applied once per condition per period of cover. Full refund (i6) | Full refund for follow-up consultations and tests within one year from surgery or completion of chemotherapy or radiotherapy for Essential Care, and within two years for Essential Care Plus. The excess will be applied once per condition per period of cover. Full refund (i6) |
| OUT-PATIENT TREATMENT | |
| Emergency ward treatment | X | Full refund up to the annual out-patient treatment sub-limit of $5,000 Full refund (i7) |
| Out-patient surgical procedure | Full refund up to the annual out-patient treatment sub-limit of $1,000 for Essential Care, $5,000 for Essential Care Plus. Full refund (i8) | Full refund up to the annual out-patient treatment sub-limit of $1,000 for Essential Care, $5,000 for Essential Care Plus. Full refund (i8) |
| GP & specialist consultations, treatment, tests and prescribed drugs | Full refund up to the annual out-patient treatment sub-limit of $1,000 for post-hospital treatment received within 90 days of being discharged from hospital. Full refund (i9) | Full refund up to the annual out-patient treatment sub-limit of $5,000. Full refund (i10) |
| Physiotherapy | For post-hospital treatment received within the 90 day period following discharge from hospital, within the annual out-patient sub-limit. $250 (i11) | Maximum per period of cover, within the annual patient sub-limit of $5,000/AED18,350 $250 (i12) |
| TREATMENT FOR HIV & AIDS | |
| In- & day-patient treatment | Available after 24 months continous cover. Benefit limit per annum for in-patient and day-patient treatment for a maximum of 5 years. $1,000 (i13) | Available after 24 months continous cover. Benefit limit per annum for in-patient and day-patient treatment for a maximum of 5 years. $2,500 (i13) |
| DENTAL CARE | |
Required to restore sound, natural teeth following an accident and received within 15 days of the accident. Emergency in-patient dental (i14) | $2,500 | $5,000 |
| EMERGENCY EVACUATION | |
| Emergency evacuation | Full refund | Full refund |
Full refund of economy return airfare to your country of residence. Return airfare (i15) | Full refund | Full refund |
Full refund of economy class travel. Travelling expenses of a companion (i16) | Full refund | Full refund |
Repatriation of mortal remains if you die whilst outside your home country. The repatriation of mortal remains benefit can not be used in conjunction with the local burial or cremation benefit. Repatriation of mortal remains (i17) | $5,000 | $10,000 |
Local burial or cremation whilst outside your home country. The local burial or cremation benefit can not be used in conjunction with the repatriation of mortal remains benefit. Local burial or cremation (i18) | $1,600 | $1,600 |
PLEASE NOTE:
This chart is for Internet use only. It is not suitable for printing as the interactive (i) notes do not display. Alternatively, please print the 2009
Global Health Elite plan brochure and Global Health Essential plan brochure.
IMPORTANT:
This benefit chart should be read in conjunction with the following:
Global Health Elite individual agreement
Global Health Elite Key Facts
Global Health Essential individual agreement
Global Health Essential Key Facts
KEY: (x) Not covered (i) For your information
IMPORTANT:
This benefit chart should be read in conjunction with the following:
2012 Expatriate Global Insurance brochure
For policies that are required to commence from 1st January 2012:
2012 Global Health Essential agreement
2012 Global Health Essential Key Facts
For policies taken out in the UAE please use the following literature:
2012 Expatriate Global Insurance brochure - DIC
2012 Global Health Essential individual agreement - DIC
2012 Global Health Essential Key Facts - DIC