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yourFamily

As a family, you’re more than a collection of individuals. You’re a team. And you want a simple, integrated insurance plan that works for all of you, together. That’s exactly what our family health plans provide.

Currency:

Annual Maximum Benefit

$1,500,000 £1,000,000 €1,250,000

Maximum Lifetime Benefit

$2,500,000 £1,500,000 €2,000,000
Accomodation
Accomodation
Semi-private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
100% (90% US/Canada)
Intensive care unit
Intensive care unit
100% (90% US/Canada)
Inpatient ancillary services including physical and occupational therapy as day-or inpatient
Inpatient ancillary services including physical and occupational therapy as day-or inpatient
100% (90% US/Canada)
Surgeons' and anaesthetists' fees
Surgeons' and anaesthetists' fees
100% (90% US/Canada)
Inpatient consultation by specialist
Inpatient consultation by specialist
100% (90% US/Canada)
Emergency room
Emergency room
100% (90% US/Canada)
Pathology, radiology, and diagnostic tests
Pathology, radiology, and diagnostic tests
100% (90% US/Canada)
MRI, CT and PET scans
MRI, CT and PET scans
100% (90% US/Canada)
Private duty nursing (Lifetime maximum)
Private duty nursing (Lifetime maximum)
$7,500 £5,000 €6,000
Skilled nursing facility (Lifetime maximum)
Skilled nursing facility (Lifetime maximum)
$7,500 £5,000 €6,000
Home health care (Lifetime maximum)
Home health care (Lifetime maximum)
$7,500 £5,000 €6,000
Hospice care services (Lifetime maximum)
Hospice care services (Lifetime maximum)
$10,000 £6,500 €8,000
Emergency dental treatment (as a result of accident)
Emergency dental treatment (as a result of accident)
100% (90% US/Canada)
Cancer treatment
Cancer treatment
100% (90% US/Canada)
Child accompaniment
If the Insured Person is a child under 16 who requires Hospitalisation, We will pay for necessary overnight accommodation for one parent in the same Hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary.
Child accompaniment
100%
MANAGED TRANSPLANT PROGRAMME
Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. A 24-month waiting period applies for all transplants.
MANAGED TRANSPLANT PROGRAMME
Organ transplants maximum lifetime
Organ transplants maximum lifetime
$500,000 £300,000 €400,000
Tissue transplants (as part of the overall organ max.)
Tissue transplants (as part of the overall organ max.)
$250,000 £150,000 €200,000
Surgery as outpatient
Surgery as outpatient
100% (90% US/Canada)
Physician office visits and specialist fees
Physician office visits and specialist fees
90%
Diagnostic and therapeutic services (as outpatient, per visit)
Diagnostic and therapeutic services (as outpatient, per visit)
90%
Physical therapy (as outpatient, per visit)
Physical therapy (as outpatient, per visit)
$75 £50 €60 90%, policy year max 30 visits
Occupational therapy (as outpatient, per visit)
Occupational therapy (as outpatient, per visit)
$75 £50 €60 90%, policy year max 30 visits
Chiropractic services
Referral letter required from medical physician
Chiropractic services
$750 £500 €600 90%, policy year maximum for chiropractic services
Complementary medicine
Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy
Complementary medicine
$500 £350 €400 90%
Prescription program
Prescription program
In US (no deductible applies): 90% generic, 80% brand. All other countries (ded. applies): 90%
Routine dental
Routine dental
Diagnostic and preventive dental
Diagnostic and preventive dental
Dental plan option available
Dental plan option available
✔ See dental options
Pregnancy, normal delivery
Pregnancy, normal delivery
$10,000 £6,500 €7,500 - 90%
Complications of pregnancy (including non-elective, medically necessary Cesarean section)
Routine nursery, included under maternity benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. In the case of an elective Cesarean section, which is not medically necessary, benefit will be paid at the cost of a normal delivery, up to the Pregnancy, normal delivery limit.
Complications of pregnancy (including non-elective, medically necessary Cesarean section)
$12,000 £8,000 €8,500 - 90%
Newborn cover
Included in newborn cover are premature births, congenital conditions and birth anomalies. Newborn cover is only available for a covered pregnancy. A 12-month waiting period applies for all maternity benefits.
Newborn cover
$25,000 £15,000 €20,000
Adults
Adults
$500 £300 €400
Routine physical exams in connection with overall health and wellbeing
Routine physical exams in connection with overall health and wellbeing
90%
Pap smear
Pap smear
90%
Mammograms
Ages 35-39 one baseline exam Ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline Age 50 & over one exam annually Any age whenever prescribed by a physician
Mammograms
90%
Prostate cancer screening
Prostate cancer screening
90%, One test per policy year for males age 50 or over
Immunisations and vaccinations
Immunisations and vaccinations
90%
Children: Maximum per policy year - birth to age 12 months
Children: Maximum per policy year - birth to age 12 months
$300 £225 €275
Children: Maximum per policy year - 13 months and over
Children: Maximum per policy year - 13 months and over
$200 £125 €150
Children: Routine medical exams and immunisations and vaccinations
Children: Routine medical exams and immunisations and vaccinations
100%
Children: Child preventive care services
Children: Child preventive care services
100%
Children: Hearing tests
Children: Hearing tests
100%
Maximum per 24 month period
Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. Not subject to deductible.
Maximum per 24 month period
$300 £225 €275
Medical evacuation and assistance
Medical evacuation and assistance
100%
24/7 Emergency medical assistance hotline
24/7 Emergency medical assistance hotline
YES
Repatriation of mortal remains
Repatriation of mortal remains
100%
Family emergency travel
Family emergency travel
N/A
Repatriation accompaniment
Repatriation accompaniment
$2,500 £1,500 €1,750 - 100%
Repatriation family accompaniment
Repatriation family accompaniment
N/A
Security and Natural Disaster
Access to SAND protection provides you with international emergency response in situations such as political unrest and natural disasters, anywhere in the world. Specifically, the protection can help all our members by offering emergency services, including evacuations, contingency planning, remote medical abilities, crisis management and tracking services. Members can contact the service and receive advice and help from the 24/7 operations centre.
Security and Natural Disaster
Access only
eHealth records account
eHealth records account
YES
Lifetime maximum for mental health benefits (inpatient and outpatient)
Lifetime maximum for mental health benefits (inpatient and outpatient)
$25,000 £15,000 €20,000
Policy year mental illness, maximum (out-of-hospital) 15 visits
Policy year mental illness, maximum (out-of-hospital) 15 visits
$2,500 £1,500 €2,000 per policy year
Lifetime mental illness, maximum per insured (in-hospital)
Lifetime mental illness, maximum per insured (in-hospital)
60 days
Lifetime maximum for mental health benefits (out-of-hospital)
Lifetime maximum for mental health benefits (out-of-hospital)
80 visits
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
YES
available as an optional benefit on all plans
available as an optional benefit on all plans
N/A
Lifetime maximum
Lifetime maximum
$25,000 £15,000 €20,000 YES
Lifetime maximum
Lifetime maximum
$15,000 £10,000 €12,000 YES
Chronic conditions are treated like any other condition under the Policy
Chronic conditions are treated like any other condition under the Policy
YES
Lump sum in case of death (all causes)
Lump sum in case of death (all causes)
$5,000 £5,000 €5,000
Individual deductible
Individual deductible
NO
Family deductible
Family deductible
YES
Deductible options are:
Deductible options are:
$200 £125 €150
$500 £300 €400
$1,000 £650 €750
$5,000 £3,000 €4,000
YES
An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$1,000 £650 €750
YES
Functions just like the individual out of pocket except this is protection for the entire family. If the family out of pocket maximum is reached regardless of whether the individual out of pocket limit is reached the entire family under cover has their 90% benefits switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%. are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$3,000 £2,000 €2,250
Cover Region 1 – Worldwide including US and Canada and their territories.
Please note that Cover Region 1 is limited to 180 days in the US in any 12-month period.
Cover Region 1 – Worldwide including US and Canada and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our UnitedHealthcare (UHC) Preferred Provider Network. The UHC Network is one of the largest in the US with over 650,000 medical providers. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – does not include any cover for US and Canada and their territories.
Family deductible
Family deductible
$150 £100 €125
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
100%
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
80%
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
50%
Policy year maximum (per insured person)
Policy year maximum (per insured person)
$1,500 £1,000 €1,200
Orthodontic lifetime maximum
Orthodontic lifetime maximum
$1,500 £1,000 €1,200