IHI First Choice International health insurance for small and medium sized businesses ( BUPA group ) Module 1 Childbirth / seguros médicos y de viaje / worldwide medical cover

The Hospitalisation and inpatient treatment module is mandatory. It provides 100% cover for eg surgery, chemotherapy and organ transplant. This module also provides full cover for any emergency treatment and cover for expenses in connection with childbirth.

Expenses are covered up to the overall insurance sum of the policy:

USD	EUR	GBP
1,800,000	1,500,000	1,000,000

Childbirth	USD	EUR	GBP
Normal delivery Prenatal and postnatal examinations are reimbursed under - Module 2 Outpatient treatment	7,200	6,000	4,100
Complicated delivery requiring hospitalisation	100%	100%	100%
Medically prescribed caesarean	100%	100%	100%
Home delivery, doctor / specialist, midwife	190	160	110
Home nursing in connection with home delivery	480	400	275
Delivery following fertility treatment is reimbursed according to the reimbursement rate for normal delivery

Hospitalisation and inpatient treatment	Local transport by ambulance	Hospital cash benefit	Emergency room treatment
Crisis management	Organ transplant		Newborn cover
Emergency out of area cover

Optional modules:

Module 2	Outpatient treatment
Module 3	Medicine and appliances
Module 4	Medical evacuation
Module 5	Rehabilitation and nursing
Module 6	Dental and optical

Module description

The following provides an overview of each module - please see the List of reimbursements for full details.

INDEX

Product Structure	List of reimbursements
Policy Conditions	Glossary

Para pedir una cotización o una aclaración / For a quote or details:
email	*saniprof@mail.ddnet.es / dmh@e-consultas.com*
Fax:	(+ 34) 91 8032484
Teléfono / 'phone:	(+ 34) 609 522 300

Accompanying person (evacuation / repatriation)	Appliances	Application process	Childbirth
Contact lenses	Crisis management	Dental and optical	Diagnostic tests and procedures
Emergency out of area cover	Emergency room treatment	Glasses	Glossary
General practitioner consultations	Home nursing	Hormone replacement therapy eg under 40	Hospice
Hospitalisation and inpatient treatment	Hospital cash benefit	Injections and vaccinations	Local transport by ambulance
Major restorative dental treatment	Medical evacuation	Medical underwriting	Medicine and appliances
modular structure ( 1, 2, 3, 4, 5, 6, )	Newborn cover	Online services	Organ transplant
Outpatient / day case treatment in a hospital or clinic	Outpatient treatment	Payment	Personal Service Team
Policy Conditions	Prescribed arch support	Prescribed hearing aids	Prescribed slings and bandages
Product Structure	regions	Rehabilitation and nursing	Renewal
Repatriation	Routine dental treatment	Security Monitor - Supplementary service	Specialist consultations
Statutory arrangements in case of death eg embalming, zinc coffin, urn	Surgical intervention / outpatient surgical operations	Therapist consultations	Wellbeing University - healthier bottom line performance...

Mandatory module
Module 1	Hospitalisation and inpatient treatment

Optional modules:

Module 2	Outpatient treatment
Module 3	Medicine and appliances
Module 4	Medical evacuation
Module 5	Rehabilitation and nursing

Policy conditions (valid from 1 January 2007)

Art 1. Acceptance of the insurance	Art 2. Commencement date	Art 3. Waiting periods in connection with new insurance contracts and extension of cover	Art 4. Who is covered by the insurance?
Art 5. Where is cover provided?	Art 6. What is covered by the insurance?	Art 7. Module 1. Hospitalisation & inpatient treatment	Art 8. Module 2. Outpatient treatment
Art 9. Module 3. Medicine & appliances	Art 10. Module 4. Medical evacuation	Art 11. Module 5. Rehabilitation & nursing	Art 12. Module 6. Dental & optical
Art 13. Exceptions for reimbursement	Art 14. How to report a claim	Art 15. Cover by third parties	Art 16. Payment of premium
Art 17. Information necessary to the company	Art 18. Assignment, cancellation and expiry	Art 19. Disputes, venue etc

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