BPL EM 16082016 - EB

Flexible, affordable international medical insurance created exclusively for expats

+44 (0)1242 584 558

BPL EM 16082016 - EB

If you are looking for international medical insurance, the chances are we

have the cover you need

+44 (0)1242 584 558

BPL EM 16082016 - EB

Affordable Medical Insurance for global expatriates

Finding good quality, affordable health insurance can be difficult at the best of times so whether you are looking for just basic in-patient cover or something more comprehensive, our range of plans offers you a choice:

Comprehensive, affordable medical insurance designed for expatriates Choose from three levels of cover – Bronze, Silver or Gold Emergency medical evacuation included as standard Hazardous sports cover available $1,000,000 to $5,000,000 annual cover

Flexible medical insurance

Whichever plan you choose, we'll guide you through the process of finding the right specialist and the very best medical facilities available, no matter where in the world you may be living or travelling:

BRONZE PLAN - includes hospital accommodation and treatment, out-patient treatment, emergency medical evacuation costs and out of area cover

SILVER PLAN - in addition to the benefits provided by the Bronze Plan, the Silver Plan includes osteopathy, acupuncture, homeopathy & psychiatric treatment

GOLD PLAN - the most comprehensive plan offering all the benefits provided under the Silver Plan plus routine maternity care and compassionate travel

B

S

G

BPL EM 16082016 - EB

BRONZE SILVER GOLD

Overall annual maximum $1,000,000 $3,000,000 $5,000,000

Policy period deductible $100 $100 $100

INPATIENT TREATMENT / DAYPATIENT TREATMENT / HOSPITALISATION

Standard private or semi-private room accommodation $600 (up to 240 nights) $600 (up to 240 nights) $800

Intensive care unit up to 180 consecutive nights $1,500 $1,500 100%

In-patient or day-patient surgery 100% 100% 100%

Anaesthetist charges 20% (total surgery cost) 20% (total surgery cost) 100%

Laboratory tests, x-rays and other treatment related to in-patient covered event(s)

100% 100% 100%

Prescribed medication 100% 100% 100%

Cancer care including chemotherapy and radiotherapy 100% 100% 100%

Public hospital daily indemnity benefit $50 (max $1,000) $50 (max $1,000) $100 (max $1,000)

Organ transplant Not covered Not covered $500,000

Premature babies Not Covered Not covered $15,000 (lifetime maximum for first 31 days after each birth)

OUTPATIENT TREATMENT

Bronze Plan Maximum of 15 consultations each insured person for each coverage period

Silver Plan Maximum of 20 consultations each insured person for each coverage period

Gold Plan Maximum of 30 consultations each insured person for each coverage period

Physician, each consultation $70* $70* 100%

Specialists and consultants, each consultation $70* $70* 100%

Physiotherapy, each consultation $75* $75* $75*

Chiropractors, each consultation $50* $50* $75*

Surgical intervention, each consultation $500* $500* 100%

Psychiatrist, each consultation Not covered $60* 100% (up to maximum of $10,000

Alternative medical benefits (osteopathy, acupuncture & homeopathy), each consultation

Not covered $75* $75*

Prescription medication related to a covered condition 100% 100% 100%

X-rays, each consultation $250 each x-ray (following in-patient treatment)

$250 each x-ray 100%

Pathology, diagnostic tests and procedures, MRI, PET & CT scans, endoscopy (gastroscopy, colonoscopy, cystoscopy)

$600 each examination $600 each examination $1,000 each examination

Laboratory tests, each consultation $300 each test (following in-patient treatment)

$300 each test 100%

Summary of Benefits

BPL EM 16082016 - EB

BRONZE SILVER GOLD

Overall annual maximum $1,000,000 $3,000,000 $5,000,000

Policy period deductible $100 $100 $100

Mental and nervous conditions (12 month waiting period) Not covered $5,000 for inpatient treatment only (lifetime maximum of $20,000)

$10,000 (lifetime maximum of $30,000)

Emergency outpatient treatment $1,000,000 (lifetime maximum)

$1,000,000 (lifetime maximum)

$1,000,000 (lifetime maximum)

WELLNESS BENEFITS, OPTICAL & AUDIOLOGY BENEFITS

Adult wellness health check : check-ups and routine examinations (12 month waiting period applies) over age 18

Not covered Not covered $175

Well child care : check-ups, routine visits and vaccinations (12 month waiting period applies) up to age 18. Maximum 3 visits per policy period

$20 each visit $35 each visit $200

Eye sight test, one each year (12 month waiting period applies) Not covered Not covered 100%

DENTAL BENEFITS

Emergency dental treatment following an accident $500 100% 100%

SUPPLEMENTARY DENTAL BENEFITS (available at an additional premium)*

Overall combined maximum limit $1,000

Class I – covers the cost of diagnostic, general and preventative treatment.

100% 100% 100%

Class II – covers the costs of restorative (basic), endodontics, prosthodontics – removable (maintenance), prosthodontics – fixed bridge (maintenance) oral surgery

80% 80% 80%

Class III – covers the costs of orthodontic treatment (3 month waiting period.

50% of costs ($1,000 lifetime maximum)

50% of costs ($1,000 lifetime maximum)

50% of costs ($1,000 lifetime maximum)

* Individuals subject to a $50 deductible and families subject to a $150 deductible. Orthodontic treatment is not subject to the deductible.

MATERNITY BENEFITS

Routine pregnancy and childbirth (12 month waiting period) Not covered Not covered $7,500 each pregnancy

Complications of pregnancy and childbirth (12 month waiting period)

Not covered Not covered $15,000

Contribution towards the initial pediatric check-up for the new born

Not covered $100 $300

EVACUATION, TRAVEL & TRANSPORTATION BENEFITS

Emergency medical evacuation 100% 100% 100%

Medical escort to accompany insured person 100% 100% 100%

Reasonable travelling costs of a friend or close relative to accompany insured person

100% 100% 100%

Overnight accommodation costs for friend or close relative up to maximum of 10 nights

$180 $270 $360

Medical referral assistance including replacing essential prescription drugs

100% 100% 100%

Return economy class ticket for adult to take care of any children at home of insured person

100% 100% 100%

BPL EM 16082016 - EB

BRONZE SILVER GOLD

Overall annual maximum $1,000,000 $3,000,000 $5,000,000

Policy period deductible $100 $100 $100

Return economy class ticket for close friend or relative to travel to the location of insured person

100% 100% 100%

Emergency medical treatment while travelling outside your geographical area of cover

30 days 30 days 30 days

LOCAL BURIAL or RETURN OF MORTAL REMAINS

Transportation of the deceased’s mortal remains to their home country OR

100% 100% 100%

Contribution to the cost of the coffin OR $540 $630 $720

Cremation costs in the country where death occurred and transportation of the urn to the deceased’s country or residence of home country OR

$540 $720 $900

Local burial in the country where death occurred (other than home country)

$1,800 $2,700 $3,600

Compassionate return economy ticket and accommodation for up t 10 nights to visit their home country where a close relative (under the age of 75) of the insured has either died or is in a life threatening condition

Not covered Not covered 100%

HAZARDOUS SPORTS COVER (available at an additional premium)

Cover provided for participation in non-professional, non-sanctioned, recreational sports and activities at amateur level only, including but not limited to; motorcycle and motor scooter riding, mountaineering (to a 4,500-meter limit), hang gliding, parachuting, bungee jumping, water skiing, snowmobiling and snowboarding

$20,000

(lifetime maximum)

$20,000

(lifetime maximum)

$20,000

(lifetime maximum)

The schedule of benefits is a brief outline of the plan benefits. All are subject to the definitions, conditions, limitations, exclusions and provisions of the plan. A copy of the policy wording is available at www.bellwoodprestbury.com/expatmedex.

BPL EM 16082016 - EB

To find out more, please call our specialist team of advisers

on + 44 (0)1242 584558

BPL EM 16082016 - EB

Annual Premiums US$

BRONZE PLAN Age Area 1 Area 2 Area 3

0 to 19 $608 $699 $1,435

20 to 24 $787 $874 $1,682

25 to 29 $966 $1,049 $1,927

30 to 34 $1,001 $1,166 $2,220

35 to 39 $1,132 $1,281 $2,514

40 to 44 $1,352 $1,511 $2,896

45 to 49 $1,552 $1,694 $3,034

50 to 54 $1,790 $1,914 $3,238

55 to 59 $2,143 $2,351 $3,570

60 to 64 $2,781 $3,050 $4,632

65 to 69 $3,675 $4,030 $6,122

SILVER PLAN Age Area 1 Area 2 Area 3

0 to 19 $803 $857 $1,839

20 to 24 $976 $1,024 $2,180

25 to 29 $1,148 $1,190 $2,522

30 to 34 $1,283 $1,332 $2,553

35 to 39 $1,419 $1,473 $2,584

40 to 44 $1,647 $1,718 $3,221

45 to 49 $1,793 $1,906 $4,166

50 to 54 $1,906 $2,098 $4,498

55 to 59 $2,376 $2,617 $4,585

60 to 64 $3,082 $3,396 $5,949

65 to 69 $4,073 $4,488 $7,861

GOLD PLAN Age Area 1 Area 2 Area 3

0 to 19 $1,127 $1,170 $2,688

20 to 24 $1,405 $1,459 $3,335

25 to 29 $1,682 $1,748 $3,982

30 to 34 $1,902 $1,981 $4,437

35 to 39 $2,123 $2,214 $4,893

40 to 44 $2,588 $2,651 $5,701

45 to 49 $2,742 $2,800 $6,009

50 to 54 $2,863 $2,908 $6,378

55 to 59 $3,487 $3,674 $7,049

60 to 64 $4,524 $4,767 $9,145

65 to 69 $5,979 $6,299 $12,085

Optional Dental Plan US$ 401 per person per year Optional Hazardous Sports Cover An additional 15% of the above medical premiums All premiums are subject to change and are for guidance only. All premiums exclude local taxes which will be added at the prevailing rate

BPL EM 16082016 - EB

Choose your area of cover

The area of cover that you choose will determine the premium that will apply to your policy and where you have three areas of cover to choose from:

Area 1 EU member countries: Albania, Belarus, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Gibraltar, Greenland, Iceland, Isle of Man, Macedonia, Moldova, Montenegro, Norway, Romania, Serbia, Switzerland, Turkey, Ukraine

Area 2 As Area A plus all other countries excluding the USA, Canada and Islands of the Caribbean

Area 3 All countries worldwide including the USA, Canada and Islands of the Caribbean

How to apply for cover

When you have decided what cover is suitable for you, all you need to do is complete an application form. The form can be downloaded from www.bellwoodprestbury.com/expatmedex and forwarded to us either by e-mail, fax or post along with your payment instructions. We ask you to give only basic information about yourself and any members of your family you wish to insure; we will not ask you to give details of your medical history. Your new policy will not cover treatment for any medical condition which existed prior to the start of cover. This relates not only to those conditions for which you had already received a firm diagnosis but also to treatment of any medical condition for which you actually had symptoms, even though no diagnosis had been attached to those symptoms. All that matters is that you know, or ought reasonably to have known, that something was wrong even if you had not consulted a doctor. However, after a two-year period of continuous cover has elapsed, cover may be available for those pre-existing medical conditions which were excluded at the start of your new policy. This will be subject to the written agreement of the plan underwriter and on the basis that you have not had any medical treatment or any medical advice, or taken any drugs or medicine, or followed any special diets.

Over 60 If you are over 60, you will be asked to complete in a simple health questionnaire. Contact us today and we will guide you through the process of applying for cover.

BPL EM 16082016 - EB

What isn’t covered

Whilst the cover benefits provided under each plan are extensive, there are a few items that are not covered:

Pre-existing medical conditions

Treatment that is not medically necessary

Experimental treatment

Injury sustained whilst participating in organized, professional and/or amateur sports

Adult vaccinations and inoculations

Cosmetic surgery

Treatment, purchase and fitting of false teeth

Injury sustained whilst under the influence of alcohol or drugs

Congenital abnormalities

Self inflicted injuries

Sexually transmitted diseases

Treatment of AIDS

Treatment of chronic fatigue syndrome

Occupational diseases

Services of a convalescent home, a hospice or health care at home

For a full list of the policy exclusions, please refer to the plan policy wording.

BPL EM 16082016 - EB

About Bellwood Prestbury

Bellwood Prestbury are a leading global insurance specialist who work with the leading international medical insurance companies and providers worldwide. We are authorised and regulated by the Financial Conduct Authority (FCA) the regulatory body overseeing UK financial services firms. Bellwood Prestbury are also a member of British Expertise, the leading UK organisation for British companies offering professional services internationally, and members of other specialist industry bodies and accredited by the British Assessment Bureau to ISO 9001. If you would like to know more about our range of services and how we may be able to help you, please contact our specialist team of advisers on +44(0)1242 584558 or e-mail us at info@bellwoodprestbury.com.

About the insurer

ExpatMedex is insured and underwritten by Astrenska Insurance Limited of PO Box 637, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1WR, United Kingdom. Intana is appointed by Astrenska Insurance Limited to provide policy administration, claims management, evacuation and assistance services to this policy.

www.bellwoodprestbury.com/expatmedex

Bellwood Prestbury is the trading style of Bellwood Prestbury Limited registered in England and Wales as company number 1100251. Registered Office: 4 Imperial Square, Cheltenham, GL50 1QB.

Bellwood Prestbury Limited is authorised and regulated in the United Kingdom by the Financial Conduct Authority.