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Mainly Health Plans SL

Lifeline membership guide (from 1.10.2008) ( Guide )

2. What is covered?

Table of benefits

Note 1: Out-patient treatment

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        
Out-patient surgical operations Note 1a Paid in full Paid in full Paid in full
         
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
         
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
         
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
         
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
         
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
         
Prescribed drugs and dressings Note 1h Not covered Not covered We pay up to £ sterling 600, US$1,200 or €900 each Membership year
         
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
        
Note 2: In-patient treatment (  see important note)        
         
Hospital  accommodation Note 2a Paid in full April 2009 updates Paid in full April 2009 updates Paid in full April 2009 updates
         
Surgical operations including pre- and post-operative care Note 2b Paid in full Paid in full Paid in full
         
Nursing care, drugs and surgical dressings Note 2c Paid in full Paid in full Paid in full
         
Physicians' fees Note 2d Paid in full Paid in full Paid in full
         
Theatre charges and intensive care Note 2e Paid in full Paid in full Paid in full
         
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
         
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
         
Parent accommodation Note 2h Paid in full Paid in full Paid in full
         
Psychiatric treatment (after two years' membership, lifetime maximum of 90 days) Note 2i Paid in full Paid in full Paid in full
         
Note 3: Further benefits        
         
Cancer treatment Note 3a Paid in full April 2009 updates Paid in full April 2009 updates Paid in full April 2009 updates
       
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 )
       
Advanced imaging Note 3c Paid in full Paid in full Paid in full
       
Transplant services Note 3d Paid in full Paid in full Paid in full
       
Local road ambulance Note 3e Paid in full Paid in full Paid in full
         
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
         
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
       
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
       
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
       
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
       
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
       
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
       
Healthline services Note 3m Included Included Included
         
Note 4: Optional benefits (if purchased)        
         
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
         
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
         

2.4 Notes to the table of benefits

Each benefit described in this section is payable according to the limits set out in the table of benefits ( section 2.4 and back cover of Membership Guide)

 

Index

Lifeline:

* provides international private medical insurance for people living or working abroad for at least six months of the year 

* for individuals and their families

* three different levels of cover to meet any client's needs:

  Product description (and limits)
Essential Essential 
Classic Classic
Gold Gold

Company Scheme  (Castellano  Deutsch Français Português)

For more information please contact me:  
email davidharris@wanadoo.es / saniprof@mail.ddnet.es
Fax: (+ 34) 91 8032484
'phone: (+ 34) 609 522 300
Also more information on.. www.e-healthinsuranceservices.com 

 

BUPA insurance products

1. How to use your Lifeline plan 2. What is covered?
3. What is not covered? 4. Assistance Cover (optional if purchased)
5. Pre-authorisation 6. Making a claim
7. Annual deductibles 8. Paying subscriptions and other charges
9. Your membership 10. Making a complaint
11. Glossary 12. Medical words and phrases
Lifeline Essential Lifeline Classic
Lifeline Gold