Should anything go wrong while you’re abroad, the last thing you want to face is unexpected and potentially expensive medical costs. That’s why medical cover is widely regarded as one of the most important parts of any travel insurance policy, helping to protect you financially and ensuring you can access the care you need, when and where you need it.
We will pay you up to the amount shown in the Features and Benefits table for the following expenses which are necessary as a result of you suffering unforeseen bodily injury, serious illness or compulsory quarantine.
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside the United Kingdom.
2. Emergency dental treatment for the immediate relief of pain (to your natural teeth) you have to pay outside the United Kingdom, up to the amount shown in the Features and Benefits table.
3.If you die outside the United Kingdom, the cost of funeral expenses and the reasonable cost of transporting your ashes to your home, or the extra costs of returning your body to your home.
4. If you die within the United Kingdom, the reasonable extra cost of transporting your body to the funeral directors near your home.
5. Reasonable extra transport (economy class) and accommodation expenses (room only) you have to pay, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. This includes, where authorised by our Emergency Assistance Service, reasonable extra transport or accommodation expenses for a close relative or travelling companion to stay with you or travel to you from the United Kingdom to escort you, and extra travel expenses to return you home if you are unable to use your return ticket.
If you are delayed returning to the United Kingdom because of an event insured under this section of your policy, we will automatically extend your policy with us (at no extra premium) until you return home.
If a close relative or travelling companion stays with you after your booked return date to the United Kingdom due to an insured event, we will automatically extend their policy (at no extra premium) until you return home, provided they had previously purchased a policy with us covering this trip.
If a close relative or travelling companion travels to you from the United Kingdom to escort you home, they must ensure they have taken out adequate travel insurance for their own needs.
6. The extra costs you have to pay for air transport or other suitable transport, including qualified attendants, to return you to the United Kingdom if it is medically necessary, provided our Emergency Assistance Service has authorised this beforehand. We will only pay for transport in the same class as your outward journey unless otherwise agreed.
1. The excess shown in the Features and Benefits table for each and every claim per incident per section for each insured person unless:
a) You have purchased the excess waiver option, and this is shown on your policy schedule; or
b) You have selected Section O – Cruise Cover and this is shown on your policy schedule, when the excess will not be applicable to medical expenses incurred whilst onboard the cruise ship; or
c) You have successfully reduced your medical expenses bill by more than your excess amount by using your Global Health Insurance Card (EHIC), reciprocal health agreement or private health insurance policy.
2. Any claims arising directly or indirectly from the following:
a) The cost of phone calls, other than the cost of your first call to our Emergency Assistance Service telling them about your bodily injury or serious illness and for which you are able to provide a receipt or other reasonable evidence to show the cost of the call and the phone number dialled. We will also cover the cost of phone calls you receive from our Emergency Assistance Service and for which you are able to provide a receipt or other reasonable evidence to show your costs.
b) The cost of taxi fares, other than the cost of your first taxi fare that takes you to a hospital or an appropriate medical establishment to receive medical attention.
c) The cost of treatment or surgery, including exploratory tests, which is not directly related to the bodily injury or serious illness which you were admitted to hospital for.
d) Any expenses which are not usual or reasonable to treat your bodily injury or serious illness.
e) Any treatment or surgery which, in the opinion of the doctor treating you overseas or our Emergency Assistance Service, can be reasonably delayed until you return to the United Kingdom.
f) Your expenses for getting or replacing medication which, at the time of your departure, you knew you would need or would need to be continued outside the United Kingdom.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre, unless our Emergency Assistance Service agree to this.
h) Any expenses you have on your return to the United Kingdom.
i) Any expenses you have outside the United Kingdom that can be recovered from the health authority in the United Kingdom or through a reciprocal health agreement.
j) Expenses run up as a result of a medical condition if you have not had the recommended inoculations or taken the recommended medication (or both).
k) Your decision not to be returned to the United Kingdom on the date our Emergency Assistance Service believe it is safe to do so.
l) Any claim for pregnancy which falls outside of the definition of complications of pregnancy and childbirth.
m) Any pre-existing medical condition which you have not declared and which we have not accepted, or your failing to keep to the terms of the ‘Important conditions relating to health’ section.
n) Any claims arising directly or indirectly from the following:
a. You taking part in a winter sports activity, unless your policy schedule shows that you have bought winter sports cover.
b. You travelling on a cruise trip(s), unless your policy schedule shows that you have bought cruise cover.
o) Anything mentioned in the General Exclusions section.