Global Elite Health Plan Comparison | Expatriate Health Insurance

	Elite Plans
	Bronze	Silver	Gold
Annual Limit	$ 1,000,000	$ 2,000,000	$ 2,500,000
Annual Limit	£ 625,000	£ 1,250,000	£ 1,560,000
Annual Limit	€ 887,500	€ 1,775,000	€ 2,215,000
Annual Limit	AED 3,670,000	AED 7,340,000	AED 9,175,000
Hospital Treatment
In-patient & day-patient treatment in a private room
Parent accommodation when the patient is a child
Hospital cash benefit Paid for each night spent in a hospital where no charge is made. Max 60 nights per period of cover.	$ 40	$ 80	$ 250
Hospice and palliative care The life-time limit for palliative care of a medical condition	$ 25,000	$ 50,000	$ 100,000
Organ and bone marrow transplant Heart, kidney, liver, lung, heart and lung, bone marrow and stem cell transplants only
Hospital Treatment
In-patient & day-patient treatment in a private room
Parent accommodation when the patient is a child
Hospital cash benefit Paid for each night spent in a hospital where no charge is made. Max 60 nights per period of cover.	£25	£50	£160
Hospice and palliative care The life-time limit for palliative care of a medical condition	£15,625	£31,250	£62,500
Organ and bone marrow transplant Heart, kidney, liver, lung, heart and lung, bone marrow and stem cell transplants only
Hospital Treatment
In-patient & day-patient treatment in a private room
Parent accommodation when the patient is a child
Hospital cash benefit Paid for each night spent in a hospital where no charge is made. Max 60 nights per period of cover.	€36	€70	€225
Hospice and palliative care The life-time limit for palliative care of a medical condition	€22,200	€44,375	€88,750
Organ and bone marrow transplant Heart, kidney, liver, lung, heart and lung, bone marrow and stem cell transplants only
Hospital Treatment
In-patient & day-patient treatment in a private room
Parent accommodation when the patient is a child
Hospital cash benefit Paid for each night spent in a hospital where no charge is made. Max 60 nights per period of cover.	AED147	AED294	AED920
Hospice and palliative care The life-time limit for palliative care of a medical condition	AED91,750	AED183,500	AED367,000
Organ and bone marrow transplant Heart, kidney, liver, lung, heart and lung, bone marrow and stem cell transplants only
Treatment for Cancer
In-patient & day-patient treatment, radiotherapy and chemotherapy
Out-patient follow-up consultations and tests Excess applied per claim, per period of cover
Treatment for Cancer
In-patient & day-patient treatment, radiotherapy and chemotherapy
Out-patient follow-up consultations and tests Excess applied per claim, per period of cover
Treatment for Cancer
In-patient & day-patient treatment, radiotherapy and chemotherapy
Out-patient follow-up consultations and tests Excess applied per claim, per period of cover
Treatment for Cancer
In-patient & day-patient treatment, radiotherapy and chemotherapy
Out-patient follow-up consultations and tests Excess applied per claim, per period of cover
Post-hospital Treatment
Out-patient treatment Full refund for doctor consultations, prescribed drugs and dressings, diagnostic tests, physiotherapy & complementary medicine received within 90 days of being discharged from the hospital.	Physio is limited to $ 1,000 & complementary medicine is limited to 10 sessions
Home nursing Maximum 12 weeks per period of cover
Rehabilitation treatment following discharge from hospital	For up to 7 days per medical condition	For up to 15 days per medical condition	For up to 30 days per medical condition
Medical Aids such as wheelchairs, crutches, etc. Per medical condition per period of cover	$ 250	$ 500	$ 1,000
External prosthetic devices Per device	$ 500	$ 1,000	$ 1,500
Post-hospital Treatment
Out-patient treatment Full refund for doctor consultations, prescribed drugs and dressings, diagnostic tests, physiotherapy & complementary medicine received within 90 days of being discharged from the hospital.	Physio & complementary medicine is limited to £625
Home nursing Maximum 12 weeks per period of cover
Rehabilitation treatment following discharge from hospital	For up to 7 days per medical condition	For up to 15 days per medical condition	For up to 30 days per medical condition
Medical Aids such as wheelchairs, crutches, etc. Per medical condition per period of cover	£160	£325	£625
External prosthetic devices Per device	£325	£625	£940
Post-hospital Treatment
Out-patient treatment Full refund for doctor consultations, prescribed drugs and dressings, diagnostic tests, physiotherapy & complementary medicine received within 90 days of being discharged from the hospital.	Physio & complementary medicine is limited to €950
Home nursing Maximum 12 weeks per period of cover
Rehabilitation treatment following discharge from hospital	For up to 7 days per medical condition	For up to 15 days per medical condition	For up to 30 days per medical condition
Medical Aids such as wheelchairs, crutches, etc. Per medical condition per period of cover	€225	€450	€890
External prosthetic devices Per device	€450	€890	€1,335
Post-hospital Treatment
Out-patient treatment Full refund for doctor consultations, prescribed drugs and dressings, diagnostic tests, physiotherapy & complementary medicine received within 90 days of being discharged from the hospital.	Physio & complementary medicine is limited to AED3,700
Home nursing Maximum 12 weeks per period of cover
Rehabilitation treatment following discharge from hospital	For up to 7 days per medical condition	For up to 15 days per medical condition	For up to 30 days per medical condition
Medical Aids such as wheelchairs, crutches, etc. Per medical condition per period of cover	AED920	AED1,835	AED3,670
External prosthetic devices Per device	AED1,835	AED3,670	AED5,505
Out-patient Treatment
Emergency ward treatment
Out-patient surgical procedure
GP and specialist consultations, treatments, tests and prescribed drugs	Post-hospital treatment only
Treatment by a Chiropractor, Osteopath, Homeopath or Acupuncturist Restricted to 10 sessions per period of cover	Post-hospital treatment only
Traditional Chinese medicine China only, restricted to 10 visits per period of cover, by practitioners registered in China		$ 32	$ 32
Physiotherapy	$ 1,000	$ 2,500	$ 5,000
Chronic conditions - Periodic tests and treatment		$ 10,000
Hormone Replacement Therapy		Max. period of 12 months from the date of diagnosis	Max. period of 18 months from the date of diagnosis
Out-patient Treatment
Emergency ward treatment
Out-patient surgical procedure
GP and specialist consultations, treatments, tests and prescribed drugs	Post-hospital treatment only
Treatment by a Chiropractor, Osteopath, Homeopath or Acupuncturist Restricted to 10 sessions per period of cover	Post-hospital treatment only
Traditional Chinese medicine China only, restricted to 10 visits per period of cover, by practitioners registered in China		£20	£20
Physiotherapy	£625	£1,575	£3,125
Chronic conditions - Periodic tests and treatment		£6,250
Hormone Replacement Therapy		Max. period of 12 months from the date of diagnosis	Max. period of 18 months from the date of diagnosis
Out-patient Treatment
Emergency ward treatment
Out-patient surgical procedure
GP and specialist consultations, treatments, tests and prescribed drugs	Post-hospital treatment only
Treatment by a Chiropractor, Osteopath, Homeopath or Acupuncturist Restricted to 10 sessions per period of cover	Post-hospital treatment only
Traditional Chinese medicine China only, restricted to 10 visits per period of cover, by practitioners registered in China		€30	€30
Physiotherapy	€890	€2,250	€4,450
Chronic conditions - Periodic tests and treatment		€8,875
Hormone Replacement Therapy		Max. period of 12 months from the date of diagnosis	Max. period of 18 months from the date of diagnosis
Out-patient Treatment
Emergency ward treatment
Out-patient surgical procedure
GP and specialist consultations, treatments, tests and prescribed drugs	Post-hospital treatment only
Treatment by a Chiropractor, Osteopath, Homeopath or Acupuncturist Restricted to 10 sessions per period of cover	Post-hospital treatment only
Traditional Chinese medicine China only, restricted to 10 visits per period of cover, by practitioners registered in China		AED118	AED118
Physiotherapy	AED3,670	AED9,175	AED18,350
Chronic conditions - Periodic tests and treatment		AED36,700
Hormone Replacement Therapy		Max. period of 12 months from the date of diagnosis	Max. period of 18 months from the date of diagnosis
Treatment for HIV & AIDS
Treatment arising from or related to HIV and/or HIV-related illness Includes HIV or ARC. Per period of cover for a maximum of 5 years. Waiting periods apply	$ 5,000 In-patient or day-patient treatment only	$ 5,000	$ 5,000
Treatment for HIV & AIDS
Treatment arising from or related to HIV and/or HIV-related illness Includes HIV or ARC. Per period of cover for a maximum of 5 years. Waiting periods apply	£3,125 In-patient or day-patient treatment only	£3,125	£3,125
Treatment for HIV & AIDS
Treatment arising from or related to HIV and/or HIV-related illness Includes HIV or ARC. Per period of cover for a maximum of 5 years. Waiting periods apply	€4,450 In-patient or day-patient treatment only	€4,450	€4,450
Treatment for HIV & AIDS
Treatment arising from or related to HIV and/or HIV-related illness Includes HIV or ARC. Per period of cover for a maximum of 5 years. Waiting periods apply	AED18,350 In-patient or day-patient treatment only	AED18,350	AED18,350
Well-being Benefits
Preventative Health Benefit Adults only. Entitles you to check up of your choice or vaccinations. Excess applies per period of cover. Continuous 12 month waiting period will apply.		$ 250	$ 450
Annual optical examination
Well-child benefit Includes routine vaccinations and developmental check-ups. Life-time limit. Continuous 12 month waiting period will apply.			$ 250
Well-being Benefits
Preventative Health Benefit Adults only. Entitles you to check up of your choice or vaccinations. Excess applies per period of cover. Continuous 12 month waiting period will apply.		£160	£280
Annual optical examination
Well-child benefit Includes routine vaccinations and developmental check-ups. Life-time limit. Continuous 12 month waiting period will apply.			£160
Well-being Benefits
Preventative Health Benefit Adults only. Entitles you to check up of your choice or vaccinations. Excess applies per period of cover. Continuous 12 month waiting period will apply.		€235	€400
Annual optical examination
Well-child benefit Includes routine vaccinations and developmental check-ups. Life-time limit. Continuous 12 month waiting period will apply.			€225
Well-being Benefits
Preventative Health Benefit Adults only. Entitles you to check up of your choice or vaccinations. Excess applies per period of cover. Continuous 12 month waiting period will apply.		AED920	AED1,650
Annual optical examination
Well-child benefit Includes routine vaccinations and developmental check-ups. Life-time limit. Continuous 12 month waiting period will apply.			AED920
Pregnancy & Childbirth Benefits
Routine maternity care, out-patient complications of pregnancy & normal child birth Per pregnancy. Continuous 12 months waiting period will apply			80% of costs up to $ 6,400
Child birth that necessitates an emergency surgical procedure Per pregnancy. Continuous 12 months waiting period will apply			$ 15,000
In- & day-patient treatment for complications of pregnancy Per period of cover. Continuous 12 months waiting period will apply	$ 4,800	$ 15,000
Cover for newborns In- and day-patient accommodation and treatment charges received during the first 28 days of life, continuous 12 months waiting period will apply		$ 5,000	$ 100,000
Pregnancy & Childbirth Benefits
Routine maternity care, out-patient complications of pregnancy & normal child birth Per pregnancy. Continuous 12 months waiting period will apply			80% of costs up to £4,000
Child birth that necessitates an emergency surgical procedure Per pregnancy. Continuous 12 months waiting period will apply			£9,375
In- & day-patient treatment for complications of pregnancy Per period of cover. Continuous 12 months waiting period will apply	£3,000	£9,375
Cover for newborns In- and day-patient accommodation and treatment charges received during the first 28 days of life, continuous 12 months waiting period will apply		£3,125	£62,500
Pregnancy & Childbirth Benefits
Routine maternity care, out-patient complications of pregnancy & normal child birth Per pregnancy. Continuous 12 months waiting period will apply			80% of costs up to €5,700
Child birth that necessitates an emergency surgical procedure Per pregnancy. Continuous 12 months waiting period will apply			€13,300
In- & day-patient treatment for complications of pregnancy Per period of cover. Continuous 12 months waiting period will apply	€4,250	€13,300
Cover for newborns In- and day-patient accommodation and treatment charges received during the first 28 days of life, continuous 12 months waiting period will apply		€4,450	€88,750
Pregnancy & Childbirth Benefits
Routine maternity care, out-patient complications of pregnancy & normal child birth Per pregnancy. Continuous 12 months waiting period will apply			80% of costs up to AED23,488
Child birth that necessitates an emergency surgical procedure Per pregnancy. Continuous 12 months waiting period will apply			AED55,050
In- & day-patient treatment for complications of pregnancy Per period of cover. Continuous 12 months waiting period will apply	AED17,616	AED55,050
Cover for newborns In- and day-patient accommodation and treatment charges received during the first 28 days of life, continuous 12 months waiting period will apply		AED18,350	AED367,000
Psychiatric Treatment
Life-time limit for psychiatric treatment Limit applies in respect of in-patient, day-patient and out-patient treatment combined	Up to $ 40,000	Up to $ 48,000	Up to $ 64,000
In-patient psychiatric treatment Max 30 days per period of cover. 24 month waiting period applies.	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Out-patient psychiatric treatment All treatment must be authorised in advance by us. 24 month waiting period applies.	Post-hospital treatment only, within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Psychiatric Treatment
Life-time limit for psychiatric treatment Limit applies in respect of in-patient, day-patient and out-patient treatment combined	Up to £25,000	Up to £30,000	Up to £40,000
In-patient psychiatric treatment Max 30 days per period of cover. 24 month waiting period applies.	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Out-patient psychiatric treatment All treatment must be authorised in advance by us. 24 month waiting period applies.	Post-hospital treatment only, within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Psychiatric Treatment
Life-time limit for psychiatric treatment Limit applies in respect of in-patient, day-patient and out-patient treatment combined	Up to €35,500	Up to €42,500	Up to €57,000
In-patient psychiatric treatment Max 30 days per period of cover. 24 month waiting period applies.	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Out-patient psychiatric treatment All treatment must be authorised in advance by us. 24 month waiting period applies.	Post-hospital treatment only, within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Psychiatric Treatment
Life-time limit for psychiatric treatment Limit applies in respect of in-patient, day-patient and out-patient treatment combined	Up to AED146,800	Up to AED176,160	AED234,880
In-patient psychiatric treatment Max 30 days per period of cover. 24 month waiting period applies.	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Out-patient psychiatric treatment All treatment must be authorised in advance by us. 24 month waiting period applies.	Post-hospital treatment only, within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment	Within life-time limit for psychiatric treatment
Dental Benefits
Emergency in-patient dental treatment for accidental injury Within 15 days of accident
Emergency out-patient dental treatment for accidental injury Within 72 hours of accident		$ 500	$ 1,000
Routine dental treatment			$ 1,000
Dental Benefits
Emergency in-patient dental treatment for accidental injury Within 15 days of accident
Emergency out-patient dental treatment for accidental injury Within 72 hours of accident		£325	£625
Routine dental treatment			£625
Dental Benefits
Emergency in-patient dental treatment for accidental injury Within 15 days of accident
Emergency out-patient dental treatment for accidental injury Within 72 hours of accident		€450	€890
Routine dental treatment			€890
Dental Benefits
Emergency in-patient dental treatment for accidental injury Within 15 days of accident
Emergency out-patient dental treatment for accidental injury Within 72 hours of accident		AED1,835	AED3,670
Routine dental treatment			AED3,670
Emergency Evacuation
Emergency evacuation
Economy class return airfare to country of residence
Economy transport expenses of a companion
Accommodation expenses of a companion Up to daily limits shown. Max 15 days per period of cover	$ 72	$ 96	$ 250
Compassionate home travel Life-time limit of one claim only per insured member. Continuous 12 month waiting period will apply. Return economy airfare to attend the funeral of a close family member.
Repatriation of mortal remains Cannot be used in conjunction with Local burial or cremation benefit	$ 8,000	$ 11,200	$ 16,000
Local burial or cremation Available if death occurs outside your home country. Cannot be used in conjunction with the Repatriation of mortal remains benefit.	$ 1,600	$ 1,600	$ 1,600
Emergency Evacuation
Emergency evacuation
Economy class return airfare to country of residence
Economy transport expenses of a companion
Accommodation expenses of a companion Up to daily limits shown. Max 15 days per period of cover	£45	£60	£160
Compassionate home travel Life-time limit of one claim only per insured member. Continuous 12 month waiting period will apply. Return economy airfare to attend the funeral of a close family member.
Repatriation of mortal remains Cannot be used in conjunction with Local burial or cremation benefit	£5,000	£7,000	£10,000
Local burial or cremation Available if death occurs outside your home country. Cannot be used in conjunction with the Repatriation of mortal remains benefit.	£1,000	£1,000	£1,000
Emergency Evacuation
Emergency evacuation
Economy class return airfare to country of residence
Economy transport expenses of a companion
Accommodation expenses of a companion Up to daily limits shown. Max 15 days per period of cover	€64	€85	€225
Compassionate home travel Life-time limit of one claim only per insured member. Continuous 12 month waiting period will apply. Return economy airfare to attend the funeral of a close family member.
Repatriation of mortal remains Cannot be used in conjunction with Local burial or cremation benefit	€7,100	€9,940	€14,200
Local burial or cremation Available if death occurs outside your home country. Cannot be used in conjunction with the Repatriation of mortal remains benefit.	€1,420	€1,420	€1,420
Emergency Evacuation
Emergency evacuation
Economy class return airfare to country of residence
Economy transport expenses of a companion
Accommodation expenses of a companion Up to daily limits shown. Max 15 days per period of cover	AED265	AED353	AED920
Compassionate home travel Life-time limit of one claim only per insured member. Continuous 12 month waiting period will apply. Return economy airfare to attend the funeral of a close family member.
Repatriation of mortal remains Cannot be used in conjunction with Local burial or cremation benefit	AED29,360	AED41,104	AED58,720
Local burial or cremation Available if death occurs outside your home country. Cannot be used in conjunction with the Repatriation of mortal remains benefit.	AED5,875	AED5,875	AED5,875
NEW FOR 2013
The following benefits are new for 2013:
NEW FOR 2013
The following benefits are new for 2013:
NEW FOR 2013
The following benefits are new for 2013:
NEW FOR 2013
The following benefits are new for 2013:
Reconstructive Surgery
Surgical operations to restore appearace after an accident or after surgery for breast cancer	In-patient, day-patient and post-hospital out-patient treatment only
Reconstructive Surgery
Surgical operations to restore appearace after an accident or after surgery for breast cancer	In-patient, day-patient and post-hospital out-patient treatment only
Reconstructive Surgery
Surgical operations to restore appearace after an accident or after surgery for breast cancer	In-patient, day-patient and post-hospital out-patient treatment only
Reconstructive Surgery
Surgical operations to restore appearace after an accident or after surgery for breast cancer	In-patient, day-patient and post-hospital out-patient treatment only
Renal Dialysis
Short term kidney dialysis before or after a kidney transplant operation or following sudden kidney failure Max. 4 weeks
Renal Dialysis
Short term kidney dialysis before or after a kidney transplant operation or following sudden kidney failure Max. 4 weeks
Renal Dialysis
Short term kidney dialysis before or after a kidney transplant operation or following sudden kidney failure Max. 4 weeks
Renal Dialysis
Short term kidney dialysis before or after a kidney transplant operation or following sudden kidney failure Max. 4 weeks
War and Terrorism
Treatment arising directly or indirectly as a consequence of war or terrorism Provided you are an innocent bystander	In-patient, day-patient and post-hospital out-patient treatment only
War and Terrorism
Treatment arising directly or indirectly as a consequence of war or terrorism Provided you are an innocent bystander	In-patient, day-patient and post-hospital out-patient treatment only
War and Terrorism
Treatment arising directly or indirectly as a consequence of war or terrorism Provided you are an innocent bystander	In-patient, day-patient and post-hospital out-patient treatment only
War and Terrorism
Treatment arising directly or indirectly as a consequence of war or terrorism Provided you are an innocent bystander	In-patient, day-patient and post-hospital out-patient treatment only

Comparison Chart - Global Health Plans