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 4: Dental and optical cover
Dental and optical cover gives you the right to reimbursement of dental treatment, glasses and contact lenses.
Routine dental treatment is covered 80% with maximum amounts.
Special dental treatment is covered 50% up to an annual maximum.
Glasses and contact lenses are covered 80% with specific maximum limits.
Reimbursements under these two modules are effected at 50-80%, but they will not in any event exceed the following amounts or the respective annual maximums of Module 4A
| EUR 5,000 | GBP 3,500 | USD 5,000 |
and Module 4B
| EUR 7,500 | GBP 5,000 | USD 7,500 |
The overall annual maximum for Module 4A is
| EUR 5,000 | GBP 3,500 | USD 5,000 |
| Module 4A | ||||||
| Routine dental treatment (80%) | ||||||
Examinations, maximum
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Tooth cleaning, maximum
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Fillings per tooth, maximum
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Root treatment per tooth, maximum
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Tooth extractions per tooth, maximum
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Surgery, maximum
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X-ray, maximum
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Anesthesia, maximum
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Special assistance, maximum
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and the annual maximum for Module 4B is
| EUR 7,500 | GBP 5,000 | USD 7,500 |
| Module 4B | ||||||
| Routine dental treatment (80%) | ||||||
Examinations, maximum
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Tooth cleaning, maximum
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Fillings per tooth, maximum
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Root treatment per tooth, maximum
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Tooth extractions per tooth, maximum
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Surgery, maximum
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X-ray, maximum
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Anesthesia, maximum
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Special assistance, maximum
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| Module 4A: Special dental treatment ( 50% ) | ||||||
Bridgework
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Crowns
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Periodontitis
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Orthodontics (tooth adjustment)
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Dentures
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Special dental treatment per policy year, maximum
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| Module 4B: Special dental treatment ( 50% ) | ||||||
Bridgework
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Crowns
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Periodontitis
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Orthodontics (tooth adjustment)
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Dentures
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Special dental treatment per policy year, maximum
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| Module 4A: Glasses and contact lenses (80%) | ||||||
One pair of glasses (excluding frames) per policy year,
maximum
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Contact lenses, per policy year, maximum
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| Frames and sunglasses are not covered |
| Module 4B: Glasses and contact lenses (80%) | ||||||
One pair of glasses (excluding frames) per policy year,
maximum
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Contact lenses, per policy year, maximum
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| Frames and sunglasses are not covered |
also:
| Module 1 | Non-Hospitalisation Benefits |
| Module 2 | Medicine & Appliances |
| Module 3 | Medical evacuation and repatriation |
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