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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 3: Medical evacuation and repatriation

If you have extended your insurance to cover Medical evacuation and repatriation, your policy will cover expenses in connection with medical transport if the treatment required is not available at your location. Regardless of the circumstances, you must inform us before the transport is commenced, either directly or through the attending physician.

Medical evacuation and repatriation must be pre-approved by IHI, in consultation with the attending physician, our medical consultants will choose an alternative place of treatment.

Please remember to state your policy number in all correspondence with IHI.

Medical evacuation and repatriation covers transportation to a qualified place of treatment if you have a serious illness or injury. For instance, we will cover expenses for transportation by aeroplane or helicopter. Expenses for an accompanying person are also covered.

also:

Module 1	Non-Hospitalisation Benefits
Module 2	Medicine & Appliances
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.

Medical evacuation and repatriation covers transportation to a qualified place of treatment if you have a serious illness or injury.

Medical evacuation & repatriation
Transportation expenses by aeroplane or helicopter	100%
Accompanying person	100%
Return journey to residential address abroad / home country within 3 months after completion of treatment	100%
Statutory arrangements in case of death, such as embalming and zinc coffin. Transportation of the urn / coffin	100%
Expenses are covered up to the overall annual insurance sum of your policy
In all circumstances, we must be notified before the transportation takes place, either directly or through the attending physician. Medical evacuation & repatriation must be pre-approved by the Company

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

This glossary with definitions is part of the Policy Conditions

Acute serious illness	Anniversary date	Applicant	Application
Claim	Commencement date	Deductible	Documents
Due date	Hospitalisation	Insurance	Insured
Normal occupation	Outpatient	Policy conditions	Policyholder
Policy schedule	Pre-existing condition	Reimbursement rates	Renewal
Serious injury	Special terms	Standard terms	Subrogation
Surgery	Terminal phase	Waiting period

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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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