Lifeline Membership Guide - Table of benefits

Overall annual maximum		Lifeline Essential	Lifeline Classic	Lifeline Gold
£ sterling		£500,000	£750,000	£1,000,000
$ US dollars		$900,000	$1,200,000	$1,600,000
€ 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$900 or €750 each Membership year	We pay up to £ sterling 500, US$900 or €750 each Membership year

Consultants' fees for consultations	Note 1c	Not covered	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year

Pathology, X-rays and diagnostic tests	Note 1d	Not covered	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year

Costs for treatment by therapists and complementary medicine practitioner	Note 1e	Not covered	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year

Consultants' fees and psychologists' fees for psychiatric treatment (after two years' membership)	Note 1f	Not covered	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year

Costs for treatment by a Family doctor	Note 1g	Not covered	Not covered	We pay up to £ sterling 3,000, US$4,800 or €4,500 each Membership year

Prescribed drugs and dressings	Note 1h	Not covered	Not covered	We pay up to £ sterling 600, US$960 or €900 each Membership year

Accident-related dental treatment	Note 1i	Not covered	Not covered	We pay up to £ sterling 400, US$700 or €600 each Membership year
Note 2: In-patient treatment

Hospital accommodation	Note 2a	Paid in full	Paid in full	Paid in full

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	Paid in full	Paid in full

Prosthesis and appliances	Note 2g	Paid in full	Paid in full	Paid in full

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	Paid in full	Paid in full

Maternity cover (after 10 months membership)	Note 3b	Not covered	We pay up to £ sterling 3,000, US$5,500 or €4,500 each Membership year	We pay up to £ sterling 5,000, US$9,000 or €7,500 each Membership year

MRI, CT and PET scans	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

Home nursing after in-patient treatment	Note 3f	We pay up to £ sterling 100, US$160 or €150 each day up to a maximum of 10 days each Membership year	We pay up to £ sterling 100, US$160 or €150 each day up to a maximum of 20 days each Membership year	We pay up to £ sterling 100, US$160 or €150 each day up to a maximum of 30 days each Membership year

In-patient cash benefit	Note 3g	We pay up to £ sterling 75, US$120 or €110 each night up to a maximum of 20 nights each Membership year	We pay up to £ sterling 75, US$120 or €110 each night up to a maximum of 20 nights each Membership year	We pay up to £ sterling 75, US$120 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 3h	Not covered	We pay up to £ sterling 10,000, US$18,000 or €15,000 each Membership year	We pay up to £ sterling 10,000, US$18,000 or €15,000 each Membership year

Hospice and palliative care	Note 3i	We pay up to £ sterling 20,000, US$36,000 or €30,000 maximum benefit for the whole of your membership	We pay up to £ sterling 20,000, US$36,000 or €30,000 maximum benefit for the whole of your membership	We pay up to £ sterling 20,000, US$36,000 or €30,000 maximum benefit for the whole of your membership

In-patient, rehabilitation	Note 3j	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

Healthline services	Note 3k	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

2.5 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 )

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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

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accident insurance / Boating insurance (jet skis, sailing and motor boats) / Business insurance (churches, clinics, factories, schools, shows, Town Halls, warehouses, workshops (chemical products, leather, metal, paper or cardboard, plastic or rubber, textile) / Car insurance (including foreign number plates/registrations, top of the range or Classic cars) / Caravan insurance / Civil liability insurance eg trades, hairdressers, academies, bars, restaurants, tourist guides, monitors, shows) / Commercial Premises insurance (amusement arcades and one-armed bandits, bars, beauty salons, cafes, cake shops, chemists, clubs, discos, florists, fruit shops, gift shops, gyms, health shops, hairdressers, international 'phone call shops, ironmongers, jewellers*, newsagents, opticians, restaurants, sex-shops, shoe shops, stationery shops, street cafés, supermarkets, telephone shops*, travel agencies,) / Financial planning ideas - and how to save money in Spain ... / Funeral insurance / Golf insurance / health and dental insurance plans / Health insurance offers eg SMEs, catering, shops / Home insurance (as an owner or tenant) / Horse insurance / Hunting insurance / Insurance for agricultural vehicles / Insurance for Building Companies / Insurance for Electrical Equipment / Insurance for Haulage Companies / Insurance for Companies selling or renting equipment / International health insurance (transfer your Sanitas rights both ways) / Life insurance (protect your family if you die or become disabled) / Machinery Breakdown Insurance / Maritime insurance (crews only) / Mobile insurance - checklists adapted to your mobile screen... / Mortgage repayment life insurance (it may be cheaper to replace your current mortgage repayment life insurance, eg people in Spain working with/in/on/at:) ( animals / aviation / building sector / Civil protection and police / countryside, vets / factories or mines / home makers or parks / hospitals, consulting rooms, clinics / logistics and transport / office workers / press or mass media / sales reps / ships, wharfs, at sea / shop workers, SMEs, cars, hotels / shows and culture / training, unemployed, retired ) / Motorbike-motorcycle insurance / Office insurance / Responsabilidad Civil - PYMEs, fundaciones, asociaciones... / Returning to the UK from abroad? (you may not be covered by the NHS for 6 months) / Seguro contra daños (RC) / Seguro de amortización, por ejemplo personas que trabajan con/en: ( animales / aviación / barcos, muelles, alta mar / campo y veterinarios / casa o cuidando parques / construcción / en la calle / espectáculos y cultura / fábricas o minas / formación, desempleados, jubilados / hospitales, consultas, clínicas / logística y transporte / oficinas / prensa o medios de comunicación / protección civil y policía / tiendas, pymes, bares, hoteles ) / Seguro de automoción (talleres de automóviles, mecánico, eléctrico, chapa y pintura, estaciones de servicio, túneles de lavado, garajes, concesionarios (con o sin talleres de reparación de vehículos) / Seguro de Comercio (agencias de viajes, bares, cafeterías, charcuterías, clubes, discotecas, farmacias, ferreterías, floristerías, fruterías, gimnasios, joyerías*, locutorios telefónicos, ópticas, papelerías, pastelerías, peluquerías, quioscos (periódicos, freidurías y bares en la vía pública), relojerías*, restaurantes, salones de belleza, salones recreativos, sex-shops, supermercados, tiendas de calzado, tiendas de productos dietéticos, tiendas de regalos, tiendas de teléfonos*, tragaperras, traperías y desperdicios ) / Seguro de Comunidades / Seguro de decesos / Seguro de empresas (almacenes, ayuntamientos, clínicas, espectáculos, escuelas, fábricas, iglesias, talleres metalúrgicas / textil / cuero / plásticos y goma / papel y cartón / productos químicos) / seguros agrarios / Seguros para casas rurales, hoteles, fondas, pensiones, complejos turísticos / insurance for rural houses, hotels, guest houses, bed and breakfast, tourist resorts / seguros para transportistas / transport hauliers / road haulage insurance / seguros - vehículos agrícolas / seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance for sheep, cows, goats, poultry / Shop insurance / Travel insurance - visa compliant eg for US students, tourists or business trips, includes dangerous areas, professions and sports /

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