Depending on where you reside and travel to, there are three geographical areas of cover designed to suit your needs. Whichever area of cover is selected, you can receive medical treatment not only in your country of residence, but also in any other country within the chosen area of cover.

 

Area 1

Provides worldwide cover.

Area 2

Provides cover throughout the world, except the USA and Canada.

Area 3

Provides European cover. We define Europe as:

Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Federal Republic of Yugoslavia, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom of Great Britain and Northern Ireland, Uzbekistan.

Your cover

Hospital charges incurred during an in-patient hospital stay are covered, giving you peace of mind throughout the hospital treatment. This includes charges for:

• accommodation
  
   
• nursing care
  
   
• diagnostic tests
  
   
• psychiatric treatment
  
   
• operating theatre charges
  
   
• physiotherapy.

The cover also includes:

• surgeons' and anaesthetists bills
  
   
• stays in intensive care
  
   
• in-patient drugs, dressings and surgical appliances.

Hospital bills paid directly

We can settle in-patient bills directly with numerous hospitals worldwide. However, if you're looking to have treatment at a hospital where we don't have such an arrangement, let us know prior to treatment commencing. We may still be able to make arrangements to settle bills directly with the hospital. You then don't need to worry about having to make a pre-payment on admission to the hospital.

 

Third party local knowledge

In some parts of the world we operate in association with local companies that offer preferential access to, and direct settlement with, their own local network of hospitals. Doing this enables our associates to provide you with a larger choice of hospitals.

Using their expert local knowledge our associates will help you locate appropriate hospitals in their areas, as well as confirm your cover and arrange for direct settlement to take place. Each associate also provides an English-speaking telephone line exclusively for our healthcare members so, if you need to discuss any aspect of your cover, help is always at hand.

 

As there are many conditions which don't require an overnight stay in hospital, the Standard Plan also provides cover for surgical procedures when the treatment is given on a day-patient or out-patient basis.

As with in-patient cover, for those hospitals which we have an arrangement with, we are able to settle claims directly. You can therefore concentrate on getting better rather than worry about paying for your treatment.

 

Abbeygate healthcare's Travel Insurance is available at a competitive rate as it has been designed specifically to complement the out-of-area cover already present on our International Health Plans. This means that medical expenses cover has not been duplicated, keeping the cost of travel insurance to a minimum.

 

International Travel Plan benefits include:

 

• up to 95 days; cover for each trip away from your country of residence
  
   
• £2,000,000 personal liability cover
  
   
• £25,000 for personal accident
  
   
• £25,000 legal expenses
  
   
• £5,000 for loss of deposit, cancellation charges or curtailment of trip
  
   
• £3,000 additional travel and accommodation expenses
  
   
• £2,000 extended delay
  
   
• £1,500 for loss/theft of personal baggage or effects
  
   
• £1,000 missed departure
  
   
• £500 for loss/theft or personal money, cheques or travellers' cheques
  
   
• £250 loss of passport
  
   
• £100 for delayed departure
  
   
• Travel Information Line.
  
  (All sums shown are maximum levels of cover).

Available 24 hours a day, 365 days a year, which means that in the case of an emergency, if you can't get immediate in-patient treatment locally, we will evacuate you to either the nearest appropriate medical facility, or back to your principal country of residence.

As a member you will have access to the award winning health information service, Health at Hand, 24 hours per day staffed by:

• Registered nurses, midwives and pharmacists who have over 300 years' combined experience.
  
   
• Counsellors who have at least five years' post qualification experience and are specially chosen with the skills to handle issues confidentially over the telephone.
  
   

Supported by one of the largest electronic medical libraries in Europe, you can get free, immediate help and information 24 hours a day, 365 days a year. Although this award winning service isn't there to replace your doctor, it's reassuring to know you can pick up the phone and talk to a professional whenever you wish.

To make things easier when you call, Health at Hand is split into the following 'clinics':

• Family Clinic
  
   
• Care and Counselling Clinic
  
   
• Pills and Prescriptions Clinic
  
   
• Travel Clinic
  
   
• Healthy Living Clinic
  
   
• Men's Health Clinic
  
   
• Women's Health Clinic.

Health at Hand does not take the place of your GP, nor does it diagnose or prescribe. All calls are free of charge and made in complete confidence.

 

If you find yourself in hospital, the last thing you want to worry about is making yourself understood - or being able to understand your doctor's diagnosis.

That's why this healthcare is delighted to offer its international members a telephone interpretation service as part of their healthcare cover. This service carries no additional cost, apart from the price of a phone call.

Here's how it works. If you're in hospital, and need an interpreter to help you, simply call the interpretation service at any time of day or night. Within minutes, they'll arrange for a skilled interpreter to come on the line to assist you.

They can also set up a conference call with up to five different lines, so that friends and family can listen in (putting their minds at rest, as well as your own). Plus there's an additional document translation service, available at an extra charge.