Updated Benefit List

Main cover	Standard	Comprehensive	Prestige	Prestige Plus
Overall policy limit per member	Up to $1,600,000 a year	Up to $1,600,000 a year	Up to $2,500,000 a year	Up to $5,000,000 a year
Your excess	No excess / $250 / $750 / $1,500 / $4,000	No excess / $250 / $750 / $1,500 / $4,000	No excess / $40 / $80 / $150 / $250	No excess / $40 / $80 /$150 / $250
Area of cover	- Africa plus India, Pakistan, Bangladesh and Sri Lanka - Worldwide excluding USA	- Africa plus India, Pakistan, Bangladesh and Sri Lanka - Worldwide excluding USA	- Africa plus India, Pakistan, Bangladesh and Sri Lanka - Worldwide excluding USA - Worldwide	- Africa plus India, Pakistan, Bangladesh and Sri Lanka - Worldwide excluding USA - Worldwide
Hospital and day patient fees	✔	✔	✔	✔
Psychiatric treatment	✔ Maximum of 30 nights	✔ Maximum of 30 nights	✔ Maximum of 30 nights	✔ Maximum of 30 nights
Inpatient and day patient treatment of chronic conditions	✔	✔	✔	✔
Organ or tissue transplant	✔	✔	✔	✔
Reconstructive surgery	✔	✔	✔	✔
Newborn cover	Up to $100,000, maximum of 90 nights	Up to $100,000, maximum of 90 nights	Up to $100,000, maximum of 90 nights	Up to $100,000, maximum of 90 nights
Parent accommodation	✔	✔	✔	✔
Cash benefit for each night you receive free inpatient treatment and free hospital accommodation	Up to $450 a night, maximum of 30 nights	Up to $450 a night, maximum of 30 nights	Up to $450 a night, maximum of 30 nights	Up to $450 a night, maximum of 30 nights
Surgical procedures	✔	✔	✔	✔
Outpatient treatment	✔ Up to $3,000 a year. Treatment must take place up to a maximum of 30 days prior to hospitalisation, and up to a maximum of 90 days following hospitalisation	✔ Up to $5,000 a year	✔ Up to $10,000	✔ Up to $10,000
Routine management of chronic conditions	✘	Up to $2,000 a year, within the Outpatient limit	Up to $5,000 a year	Up to $5,000 a year
Consultations and treatment for psychiatric illness	✘	✘	Up to $4,500 per medical condition	Up to $4,500 per medical condition
Home nursing	Up to a maximum of 60 days per medical condition	Up to a maximum of 60 days per medical condition	Up to a maximum of 90 days per medical condition	Up to a maximum of 120 days per medical condition
Emergency treatment	Up to $2,000 a year	Up to $2,000 a year	✔	✔
Complementary practitioner fees	✘	✘	Up to $1,500 a year	Up to $2,000 a year
Cancer treatment	✔	✔	✔	✔
Routine pregnancy and childbirth	✘	✘	Up to $4,500 a year	Up to $8,000 a year
Medical conditions that arise during pregnancy and childbirth	✔	✔	✔	✔
Accidental damage to teeth	Up to $3,750 per inpatient event	Up to $3,750 per inpatient event	Up to $3,750 per event	Up to $3,750 per event
Routine dental treatment	✘	✘	+ 75% of the cost up to $400	75% of the cost up to $1,000
Major restorative dental	✘	✘	✘	75% of the cost up to $1,000
Evacuation and repatriation	✔	✔	✔	✔
Additional expenses linked to an evacuation and repatriation	Up to $120 a day up to a maximum of $5,000 a year	Up to $120 a day up to a maximum of $5,000 a year	Up to $120 a day up to a maximum of $5,000 a year	Up to $120 a day up to a maximum of $5,000 a year
Ambulance transport	✔	✔	✔	✔
Emergency unforeseen treatment in the USA which does not require treatment in the accident and emergency unit of a hospital	80% of the cost up to $500	80% of the cost up to $500	80% of the cost up to $500	80% of the cost up to $500
Emergency unforeseen treatment outside your area of cover which needs to take place in the accident and emergency unit of a hospital	Paid in full up to 90 days a year	Paid in full up to 90 days a year	Paid in full up to 90 days a year	Paid in full up to 90 days a year
CT, MRI and PET scans	✔	✔	✔	✔
Durable medical equipment	Up to $2,500 a year	Up to $2,500 a year	Up to $2,500 a year	Up to $3,500 a year
Kidney dialysis	✔	✔	✔	✔
Palliative care	Paid in full for inpatient treatment up to a maximum of 30 nights	Paid in full for inpatient treatment up to a maximum of 30 nights	✔	✔
Rehabilitation treatment	Up to 28 days per event. Can be extended by an additional 92 days where medically necessary	Up to 28 days per event. Can be extended by an additional 92 days where medically necessary	Up to 28 days per event. Can be extended by an additional 92 days where medically necessary	Up to 28 days per event. Can be extended by an additional 92 days where medically necessary
Congenital anomalies	Up to $100,000 per medical condition	Up to $100,000 per medical condition	Up to $100,000 per medical condition	Up to $100,000 per medical condition
Health and wellbeing - Vaccinations - Health check	✘	✘	+ Vaccinations and one health check up to $400 a year	✔ Vaccinations + Health check up to $400 a year

Main cover

Standard

Comprehensive

Prestige

Prestige Plus