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)
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
Non-hospitalisation benefits cover outpatient treatment such as general practitioners, specialists and other medical assistance 100% up to specific maximum amounts.
Reimbursements under this supplementary module 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 annual maximum limit for Module 1 of
| EUR 35,000 | GBP 25,000 | USD 25,000 |
| General practitioners and specialists | ||||||
GP consultations, per consultation
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Chinese doctor consultation (if charged separately), per
consultation. Maximum EUR 200 / GBP 150 per policy year
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Eye and ear specialists / other specialists, per
consultation
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Psychiatrists, per consultation
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| Expenses are reimbursed for a maximum of 15 consultations within a 30 day period |
| Therapists | ||||||||||||
Dietetic guidance, speech therapy per consultation (Maximum
4 consultations per policy year)
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Physiotherapy, ergotherapy per consultation
Maximum per policy year
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Chiropractor / osteopath all inclusive, per consultation
Maximum per policy year
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Medical check-up all inclusive per year
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| Examinations and other medical assistance | ||||||
Laboratory test, analysis
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X-ray
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ECG
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Scan and endoscopic examinations, per examination
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Injection and vaccination
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Acupuncture and homeopath treatment, performed by a
physician (Acupuncture and homeopathic treatment shall only be covered when
performed by a physician / doctor authorised in the country of practice)
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Special assistance
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Surgical intervention
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also:
| 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.
| 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