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Note 3 covers additional benefits provided by your membership of the Lifeline plan. These benefits may be in-patient, out-patient or day-case and cover varies depending on whether you have Essential, Classic or Gold cover. Please check the table of benefits to see the limits that apply to your level of cover.

Note 3b: Maternity cover (Classic and Gold only) ( updates April 2009 )

We pay maternity benefits only after you have been covered under the Classic or Gold plan for 10 months.

By maternity benefits we mean, for example:

- ante-natal care such as ultrasound scans

- hospital charges, obstetricians' and midwives' fees for normal childbirth

- post-natal care required by the mother immediately following normal childbirth, such as stitches

- secondary conditions brought about by pregnancy such as backache, high blood pressure, vaginal bleeding, nausea and vomiting

Note: routine care for your baby

We pay for routine care for the baby, for up to seven days following birth, from the mother's maternity benefit.

Any non-routine care, if eligible, is paid from the baby's own in-patient benefit, not the mother's maternity benefit

Any non-routine care, if elegible, is paid from the baby's newborn care benefit, not the mother's maternity benefit.

Your baby is also covered for up to seven days routine care following birth if your baby was born to a surrogate mother and you, as the intended parent, have been covered on the Lifeline Classic or Lifeline Gold plan for 10 months when the baby is born.

Please refer to Surrogate parenting in the What is not covered? section.

Note: maternity complications

We do not pay for maternity complications from your maternity benefit. However, we pay costs for treatment of the following complications from your in-patient or out-patient benefits, as appropriate:

- delivering a baby by caesarean section when medically essential, provided the mother has been a member of this plan for at least 10 months before the delivery.

- Non progression during labour leading to emergency caesarean section (eg dystocia, foetal distress, haemorrhage)

- miscarriage or when the foetus has died and remains with the placenta in the womb

- still birth

- abnormal cell growth in the womb (hydatidform mole)

- foetus growing outside the womb (ectopic pregnancy)

- heavy bleeding in the hours and days immediately after childbirth (post-partum haemorrhage)

- afterbirth left in the womb after delivery of the baby (retained placental membrane)

- complications following any of the above conditions

Please also see Section 9.3 "Adding dependants"

Lifeline:

* provides international private medical insurance for people living or working abroad for at least six months of the year

* for individuals and their families

* three different levels of cover to meet any client's needs:

	Product description (and limits)
Essential	Essential
Classic	Classic
Gold	Gold

Company Scheme ( Castellano Deutsch Français Português )

For more information please contact me:
email	davidharris@wanadoo.es / *saniprof@mail.ddnet.es*
Fax:	(+ 34) 91 8032484
'phone:	(+ 34) 609 522 300
Also more information on..	www.e-healthinsuranceservices.com

BUPA insurance products

Lifeline Essential	Lifeline Classic
Lifeline Gold

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