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since 7/2003

accident insurance Spain

agencia vinculada de seguros

Bespoke health products / productos de salud a medida ... for / para:

boat and golf insurance in Spain

business insurance in Spain

car insurance in Spain

Commercial Premises insurance - Spain

Community Insurance 'Comunidad' - Spain

Company Platinum - health plan for employees in Latin America and the Caribbean

"couples" 

dental and medical insurance plans

Dependencia

English insurance agent in Spain

España

España - seguros médicos - pero ¿cuál?

¿Estudiando en otro país?

expatriate insurance

Français

Health insurance

health insurance Bulgaria

health insurance Cyprus

health insurance Czech Republic

health insurance France

health insurance Germany

health insurance Italy

health insurance Poland

health insurance Portugal

health insurance Spain

health insurance UK

house insurance Spain

insurance Barcelona seguros

insurance Madrid seguros

insurance Valencia seguros

international health, medical and travel insurance cover

international travel insurance

Laser (eye) 

life insurance in Spain

Maritime plan - international health cover (crew only)

Moving to Spain?

Oil and Gas Industry - health insurance

Over 60 and living in Spain?

Patrocinadores - América Latina y el Caribe

Products 

'Residencia' (medical insurance)

Retirement? How about retiring to Spain?

Sanitas Accesible Síndrome de Down

Sanitas Accesible Down Syndrome

Sanitas Accidentes

Sanitas Autónomos Cuadro

Sanitas Autónomos Reembolso

Sanitas Dental

Sanitas (English) agent

Sanitas Estudiantes

Sanitas Exterior - 100% hospital and outpatient reimbursement health insurance costs for employees working in 190 countries (when company is based in Spain!)

Sanitas Familia

Sanitas Health Plan

Sanitas Multi

Sanitas Mundi 

Sanitas Oro 

Sanitas Oro Reembolso / Reimbursement 

Sanitas Renta (income)

Spain

Spain - index...

'Student Visas'

 (medical insurance)

Studying outside Spain for at least 6 months?

Studying overseas?

Teachers - international health cover (Spain)

traducciones juradas (sworn translations)

translations y traducciones

turismo rural tourism

welcome to Spain!

Worldwide Health Options

Worldwide Travel Options

world travel insurance

www.e-healthinsuranceservices.com

Lifeline membership guide (from 1.10.2006) (Membership Guide 2008) (Worldwide Health Options)

2. What is covered?

This section contains your table of benefits and the accompanying notes. Before you look at these please read the important information below about the kind of costs that we cover.

2.1 Treatment that we cover

For us to cover any treatment that you receive, it must satisfy all of the following requirements:

- it is at least consistent with generally accepted standards of medical practice in the country in which  treatment is being received

- it is clinically appropriate in terms of type, duration, location and frequency, and

- it is covered under the terms and conditions of the plan.

2.2 Conditions that we cover

Acute conditions

This plan covers you for  treatment of acute conditions. Acute conditions are diseases, illnesses or injuries that respond to medical care without the need for long-term or prolonged  treatment. The  treatment that you receive should be likely to lead to a complete recovery, or restore you as closely as possible to your previous state of health.

Please note that this definition above means that you do not have cover for  treatment for chronic conditions (please see Section 3 for more information about chronic conditions).

Acute and chronic conditions - how it works in practice

1. We  will cover an acute condition until we become aware that it is chronic.

2. If you develop a condition which is known to be chronic, we  will pay for  treatment to

- diagnose your condition

- stabilise your condition

but, we will not pay for ongoing  treatment or drugs to maintain your health or control the condition.

3. If you suffer from an acute flare-up of a chronic condition we will pay for  treatment you receive during this period.

Example: a chronic condition such as angina is usually controlled by medication. We  will not pay for drugs, consultations or other  treatment to control this condition. However, angina could lead to severe chest pains and the need for a heart bypass; this is an acute flare-up of a chronic condition. In this situation we would pay costs associated with the heart by-pass according to the table of benefits (section 2.4) and the notes (section 2.5)

Please contact the customer services helpline if you have any questions about acute and chronic conditions.

2.3 Reasonable and customary charges

We  only pay costs when the charges made by the provider of services are reasonable and customary. By this we mean that the charges are the same as those made to our members by the majority of other service providers in the same country: and also that they are not more than the provider would normally charge.

2.4 Table of benefits

The table of benefits shows the benefits and limits that apply to your plan. The notes that follow it in section 2.5 contain the detailed rules for each benefit. You also need to read 3. What is not covered?  so that you understand the exclusions on your plan. A copy of the Table of benefits can be found on the fold-out cover of the guide.

How to read the Table of benefits

There are three levels of cover: Essential, Classic and Gold. You need to read the column in the table of benefits that applies to your level of cover, as shown on your Membership Certificate.

Benefit limits

There are two kinds of benefit shown in this table. The 'overall annual maximum' is the maximum we will pay for all benefits in total for each person, each membership year. Some benefits also have a limit applied to them separately: for example Home Nursing.

All benefit limits apply per member and per membership year; This means that once a benefit limit has been reached, that benefit will no longer be available until you renew your plan and start a new membership year.

Currencies

All the benefit limits in this table of benefits and notes are set out in three currencies: £ sterling, $ US dollars and € euros.

The currency in which you pay us your subscriptions is the currency that applies to your membership for the purpose of the benefit limits.

For example, if you pay your subscriptions in £ sterling then the benefit limits given in £ sterling apply to your membership and $ US dollar and € euro limits do not apply to you.

If you are unsure which level of cover you have, the currency that applies to your membership, or whether you have an annual deductible, you can check on our Membersworld website or contact the customer services helpline.

Table of benefits

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: Contact / contacto ...

 

BUPA insurance products

1. How to use your Lifeline plan 2. What is covered? / Table of benefits
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  

 

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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Contact / contacto ...

main index / índice principal

Disclaimer / Aviso

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Mainly health plans S.L CIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento: 1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71 Hoja: GU-6611.

Suscrita Póliza de Responsabilidad Civil Profesional conforme a lo dispuesto en la Ley de Mediación de Seguros Privados

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Última modificación: 30 de November de 2011