since 7/2003
Bespoke health products / productos de salud a medida ... for / para:
boat and golf insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
Company Platinum - health plan for employees in Latin America and the Caribbean
dental and medical insurance plans
English insurance agent in Spain
España - seguros médicos - pero ¿cuál?
health insurance Czech Republic
international health, medical and travel insurance cover
international travel insurance
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Patrocinadores - América Latina y el Caribe
'Residencia' (medical insurance)
Retirement? How about retiring to Spain?
Sanitas Accesible Síndrome de Down
Sanitas Accesible Down Syndrome
Sanitas Oro Reembolso / Reimbursement
Studying outside Spain for at least 6 months?
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
www.e-healthinsurance.eu
IHI International Health and Hospital Plan (2007) ( Castellano )
Hospital Plan
Health insurance requirements differ from country to country, and everyone has individual needs depending on their age and occupation. This is why we offer a flexible modular system that allows you to tailor your own insurance policy.
The Hospital Plan covers hospitalisation expenses such as hospital services, childbirth, organ transplant, rehabilitation and emergency room treatment. It is the fundamental cover providing comprehensive inpatient cover, and it can be taken out on its own...
or you can choose to add one or more of the following modules:
| Module 1 | Non-Hospitalisation Benefits |
| Module 2 | Medicine & Appliances |
| Module 3 | Medical evacuation and repatriation |
| Module 4 | Dental and optical cover |
Reimbursement under the Hospital Plan are effected at 100% of the expenses, unless you have chosen a deductible. In this case, you will be reimbursed as soon as qualified expenses exceed the amount of the deductible.
Reimbursements will not in any event exceed the following amounts or the overall annual maximum cover per person per policy year of
| EUR 1,500,000 | GBP 1,200,000 | USD 1,800,000 |
You can choose to take out your insurance:
| With a deductible.. | or without a deductible. |
| Choose your currency - euros, pounds sterling or US dollars |
In the List if Reimbursements, you can see in detail which benefits are covered under the different modules, and how they can be combined to give you exactly the cover you want.
All amounts are in EUR / GBP / USD
| Hospital services - during hospitalisation | 100% |
| Semi-private / private room | 100% |
| Intensive care room | 100% |
| Room and board for a parent accompanying an insured child | 100% |
| Surgery | 100% |
| Medical treatment, laboratory tests, X-rays | 100% |
| Medicine while in hospital | 100% |
| Pacemaker | 100% |
| Psychatric treatment | 100% |
| Outpatient treatment in a hospital or clinic | |
| Surgery | 100% |
| Chemotherapy, radiotherapy | 100% |
| Dialysis | 100% |
| Other outpatient treatment is reimbursed under Module 1: Non-Hospitalisation Benefits |
| Childbirth | ||||||||||||||||||||||||
| Normal delivery, complicated delivery and elective caesarean
delivery, including pre- and postnatal treatment. Maximum per delivery:
|
||||||||||||||||||||||||
| Medically prescribed caesarean, including pre- and postnatal
treatment. Maximum per delivery:
|
||||||||||||||||||||||||
| Delivery / caesarean following fertility treatment.
Excluding pre- and postnatal treatment, maximum:
|
||||||||||||||||||||||||
| The above maximum rates for maternity shall be reduced by the deductible chosen. |
| Childbirth / Home delivery | ||||||
Doctor / specialist, midwife
|
||||||
Home nursing in connection with home delivery
|
||||||
| Pre- and postnatal examinations are reimbursed under Module 1: Non-hospitalisation benefits |
| Organ transplant | ||||||
Organ transplant
|
||||||
Per diagnosis and course of treatment all included, maximum:
Only human organs The procurement of the organ must be pre-approved by the Company |
| Emergency room treatment | ||||||
Emergency room treatment in connection with acute illness
or accident
|
| Local transport by ambulance | ||||||
Medically prescribed transport to and from
hospital
|
||||||
Per policy year, maximum
|
| Rehabilitation | ||||||
Medically prescribed rehabilitation in connection with
treatment at an authorised rehabilitation centre
|
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Maximum per day for maximum 3 months per illness
|
| Home nursing | ||||||
For expenses incurred for medically prescribed assistance
in your private home by a certified nurse
|
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Maximum per day for maximum 40 days per policy year
|
| Hospital cash benefit | ||||||
If room, board and treatment are received free of charge,
per night maximum
|
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| Maximum 60 nights per policy year (must be pre-approved by the Company) |
| Emergency dental treatment | ||||||
Acute emergency dental treatment due to serious accident
requiring
hospitalisation
|
||||||
| In case of doubt, the decision will be left with the Company's dental consultant |
| Para pedir una cotización o una aclaración / For a quote or details: | |
| saniprof@mail.ddnet.es / dmh@e-consultas.com | |
| Fax: | (+ 34) 91 8032484 |
| Teléfono / 'phone: | (+ 34) 609 522 300 |
This glossary with definitions is part of the Policy Conditions
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