Changes to your Global Health Elite Plan from renewal

This is the overall maximum limit to the amount that you can claim during any one period of cover

BRONZE - £625,000 or $1,000,000 or €940,000 or AED 3,670,000
SILVER - £1,125,000 or $1,800,000 or €1,690,000 or AED 6,606,000
GOLD - £1,560,000 or $2,500,000 or €2,340,000 or AED 9,175,000
PLATINUM - £1,560,000 or $2,500,000 or €2,340,000 or AED 9,175,000

Higher benefit limits for the routine maintenance of chronic conditions for Gold and Platinum policyholders

Chronic conditions cover as previously defined

BRONZE - Not covered
SILVER - Up to £600 or $1,000 or €900 or AED 3,670 per period of cover
GOLD - Up to £1,600 or $2,500 or €2,400 or AED 9,175 per period of cover
PLATINUM - Full refund

Wider cover for screening under the Routine Dental Treatment benefit

Cover for screening under the Routine Dental benefit has been increased from once per year to twice per year.

Compassionate Home Travel

Cover under the Compassionate Home Travel benefit is as previously defined, and we have made it clear that claims are only eligible for cover if a close relative dies during your period of cover. In addition, there is a new requirement that travel must take place within 28 days of the date of death. If you are entitled a No claim incentive (applicable only to individual plan holders whose date of entry is prior to 1st January 2007) and you make a claim under the Compassionate Home Travel benefit, you will lose your No claim incentive.

Changing your plan type, area of cover or excess 

How up-grading your plan type affects the pregnancy and childbirth benefit (* Please see examples at the end of this page)

If you upgrade your plan type when you are already pregnant, or if you become pregnant during the twelve month period after upgrading your plan type, any benefit we will pay in respect of that pregnancy and birth will be restricted to the benefit that we would have paid with regard to your previous plan. This applies to the following benefits:-

- Complications of pregnancy,
- Routine maternity care and childbirth,
- Cover for newborns.

Changing your plan currency

Once cover under your plan has commenced, you cannot change your plan currency. If you wish to change your plan currency, you will have to apply for a new Global Health plan and you will be given a new date of entry. The pre-existing condition exclusion will apply from your date of entry to your new plan, and any waiting periods will start from your new date of entry.

Completing your Global Health Elite application form

Once your Global Health application has been submitted to us it will become our property and cannot be returned.

Orchid Countries

Bali is now an Orchid country. If you live in Bali and you require Area One cover, you must tell us and you must pay the Orchid rate.

Settling your claim

All documents submitted in relation to your claim will become our property immediately upon settlement of your claim and the original documents cannot be returned.

Alternative treatments and therapies

The exclusion has been amended to make it clear that we do not pay for naturotherapy, AIS Stretch Therapy, mesotherapy, craniosacral therapy or Ayervedic medicine.

Failure to follow medical advice

We do not pay for treatment arising from or related to your unreasonable failure to seek or follow medical advice and/or prescribed treatment, or your unreasonable delay in seeking or following such medical advice and/or prescribed treatment. We do not pay for complications arising from ignoring such advice.

Foot care

The exclusion has been amended to make it clear that we do not pay for chiropody.

Infertility, IVF and assisted reproduction

The exclusion has been amended to make it clear that there is no cover for complications of pregnancy arising from a pregnancy established through assisted reproduction until after the 12-week scan, irrespective of how long you have been covered by the plan.

The exclusion has also been amended to make it clear that there is no cover in respect of treatment of any newborn child (within the first 28 days of life), born following assisted reproduction treatment (e.g., IVF), in the event of any multiple birth and/or in the event of any birth occurring within 36 weeks of conception.

Genetic testing and/or genetic engineering

We do not pay for genetic testing and/or genetic engineering.

Nasal septum deviation

We do not pay for the treatment of nasal septum deviation.

Pregnancy

The exclusion has been amended to make it clear that there is no cover for complications of pregnancy arising from a pregnancy established through assisted reproduction until after the 12-week scan, irrespective of how long you have been covered by the plan.

Also, that there is no cover for treatment received due to complications of pregnancy if you act as a surrogate or have anyone else acting as a surrogate for you.

The exclusion has been amended to make it clear that there is no cover for routine maternity care and childbirth expenses if you act as a surrogate or have anyone else acting as a surrogate for you. There is no cover for ante-natal classes or doulas.

For full details of treatment/tests that are covered by the Routine Maternity benefit, please refer to the Maternity section of our website www.william-russell.com/maternity

Suicide

We do not pay for repatriation or burial of mortal remains if you commit suicide.

Tourette’s Syndrome

We do not pay for the testing or treatment of Tourette’s Syndrome.

Vitamins, dietary supplements and natural substances

The exclusion has been amended to make it clear that we do not pay for vitamins, dietary supplements and substances which are available naturally and that can be purchased without prescription including, but not limited to, vitamins, minerals and organic substances.