Seguro Internacional | Full
International Evolution Comprehensive 10000
Deductible: 10.000 USD and Max. Coverage: 1.000.000 USD/Year
From
US$ 111 . 86
Evolution Health Plan | ComprehensivePage 1 of 9HDI/UK/EVO/TOB-COMP/04/21
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1 Hospital Benefits
IN-PATIENT HOSPITAL STAY – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
All required medical treatment provided to you when you are admitted as a registered in-patient in
a hospital for a period of not less than 24 hours, and only when appropriate diagnostic procedures
and/or treatment is not available on an out-patient or day-patient basis.
To include:
• Cost of hospital accommodation in a standard single bedded room (where available), nursing,
operating theatre fees, high dependency/intensive care/coronary care unit and special nursing
fees.
• Surgeons’, anaesthetists, consultants and physician fees.
• Physiotherapy.
• Internal prosthesis, medical aids/devices where used as an integral part of a surgical
procedure.
• Prescribed drugs and dressings.
• Diagnostic tests including x-rays, pathology and MRI/CT/PET scans.
DAY-PATIENT TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Any surgical or medical procedures that you receive which are on an out-patient basis, but where
you require a period of recovery in a hospital bed. It includes the costs of hospital accommodation,
operating theatre, nursing, surgeons, anaesthetists, consultants and physician fees, diagnostic
procedures and prescribed drugs and medicines.
PARENTAL HOSPITAL STAY
Hospital accommodation costs for one insured person to stay with an insured child dependant,
who is under age 19, and being admitted to hospital as an in-patient for medical treatment covered
by this policy.
IN-PATIENT PSYCHIATRIC TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Medical treatment provided when you are admitted as a registered in-patient in a recognised
psychiatric unit of a hospital. It includes the cost of hospital accommodation in a standard single
bedded room (where available), consultant psychiatrist’s/psychologist’s fees, diagnostic procedures
and prescribed drugs and medicines.
ACCIDENT AND EMERGENCY ROOM TREATMENT
Treatment given in a hospital casualty ward or emergency room immediately following an accident
or the sudden onset of a serious medical condition. Resulting in eligible in-patient or day-patient
treatment. By immediate we mean within 2 hours of the eligible incident causing the problem.
Evolution Health Plan
Comprehensive
Overall maximum limit $ / £ / €
1,000,000
Full Refund
Full Refund
Full Refund
Full Refund –
Maximum 15
nights
Full Refund
This is the maximum amount of money we will pay to, or on behalf of, each insured person in each
period of insurance. Benefit provisions where the limit is ‘Full Refund’ are collectively subject to the
overall maximum limit applying. For the avoidance of doubt, if a benefit is not included below then it is
not covered by your policy unless agreed by us as an exception.
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1 Hospital Benefits
IN-PATIENT HOSPITAL STAY – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
All required medical treatment provided to you when you are admitted as a registered in-patient in
a hospital for a period of not less than 24 hours, and only when appropriate diagnostic procedures
and/or treatment is not available on an out-patient or day-patient basis.
To include:
• Cost of hospital accommodation in a standard single bedded room (where available), nursing,
operating theatre fees, high dependency/intensive care/coronary care unit and special nursing
fees.
• Surgeons’, anaesthetists, consultants and physician fees.
• Physiotherapy.
• Internal prosthesis, medical aids/devices where used as an integral part of a surgical
procedure.
• Prescribed drugs and dressings.
• Diagnostic tests including x-rays, pathology and MRI/CT/PET scans.
DAY-PATIENT TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Any surgical or medical procedures that you receive which are on an out-patient basis, but where
you require a period of recovery in a hospital bed. It includes the costs of hospital accommodation,
operating theatre, nursing, surgeons, anaesthetists, consultants and physician fees, diagnostic
procedures and prescribed drugs and medicines.
PARENTAL HOSPITAL STAY
Hospital accommodation costs for one insured person to stay with an insured child dependant,
who is under age 19, and being admitted to hospital as an in-patient for medical treatment covered
by this policy.
IN-PATIENT PSYCHIATRIC TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Medical treatment provided when you are admitted as a registered in-patient in a recognised
psychiatric unit of a hospital. It includes the cost of hospital accommodation in a standard single
bedded room (where available), consultant psychiatrist’s/psychologist’s fees, diagnostic procedures
and prescribed drugs and medicines.
ACCIDENT AND EMERGENCY ROOM TREATMENT
Treatment given in a hospital casualty ward or emergency room immediately following an accident
or the sudden onset of a serious medical condition. Resulting in eligible in-patient or day-patient
treatment. By immediate we mean within 2 hours of the eligible incident causing the problem.
Evolution Health Plan
Comprehensive
Overall maximum limit $ / £ / €
1,000,000
Full Refund
Full Refund
Full Refund
Full Refund –
Maximum 15
nights
Full Refund
This is the maximum amount of money we will pay to, or on behalf of, each insured person in each
period of insurance. Benefit provisions where the limit is ‘Full Refund’ are collectively subject to the
overall maximum limit applying. For the avoidance of doubt, if a benefit is not included below then it is
not covered by your policy unless agreed by us as an exception.
Evolution Health Plan | ComprehensivePage 2 of 9HDI/UK/EVO/TOB-COMP/04/21
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REHABILITATION CARE – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Treatment received on an in-patient basis in a recognised rehabilitation unit, under the supervision
and direction of a physician, to restore health and mobility after an accident, injury or illness
covered by this policy.
KIDNEY DIALYSIS BENEFIT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Kidney dialysis needed temporarily for sudden kidney failure resulting from a disease or injury,
covered by your policy.
ORGAN IMPLANTATION BENEFIT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Costs directly related to the implantation of the following natural human organs; kidney, liver,
heart, lung, stem cell, bone marrow and skin grafts (where medically necessary and not for
cosmetic purposes).
• There is NO cover for the costs associated with locating a replacement organ, or for the
removal of the organ from the donor, or any transportation and administration costs.
• There is NO cover for costs associated with procurement and/or implantation of an artificial
and /or non-human organ.
• There is NO costs for medical treatment associated with cryopreservation, implantation or
reimplantation of living cells or living tissues whether autologous or provided by a donor.
DAY-PATIENT PSYCHIATRIC COVER
The cost of hospital accommodation in a standard single bedded room (where available) in a
registered psychiatric unit for a psychiatric illness including, consultant psychiatric fees, diagnostic
procedures and prescribed drugs and medicines.
LOCAL AMBULANCE SERVICES
The cost of provision of ambulance services to transport you to hospital in the event of a medical
emergency.
IN-PATIENT CHRONIC CONDITION BENEFITS
In-patient treatment of chronic medical conditions diagnosed after the start date of the policy or
agreed to be covered in writing at application stage.
Chronic or end stage renal failure which requires regular or long term dialysis is not covered under this
benefit.
2 Cancer Care Benefit
A CANCER TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
From the date an insured person is diagnosed with cancer, subject to it not pre-existing the start
date of the policy, whether it is in its acute, chronic or terminal stage, all and any treatment received
thereafter on an in-patient, day-patient or out-patient basis involving: consultations, diagnostic
tests, scans, investigations, prescribed drugs and dressings, chemotherapy, radiotherapy, stem cell
transplants (from either bone marrow or blood), routine management and palliative treatments;
will be assessed and paid for under this benefit.
Eligible costs incurred up until the point of diagnosis are not assessed under this benefit but may be
covered under any out-patient benefit if included in your plan.
F EXTERNAL PROSTHESES
An external device (i.e. artificial limbs) that substitutes or supplements a missing part of the body.
Full Refund –
maximum 13
weeks
Up to 20,000
Lifetime Limit
Full Refund
Full Refund
200,000
Full Refund
2,500
Full Refund -
Limited to 4 separate
day case admissions per
period of cover
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REHABILITATION CARE – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Treatment received on an in-patient basis in a recognised rehabilitation unit, under the supervision
and direction of a physician, to restore health and mobility after an accident, injury or illness
covered by this policy.
KIDNEY DIALYSIS BENEFIT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Kidney dialysis needed temporarily for sudden kidney failure resulting from a disease or injury,
covered by your policy.
ORGAN IMPLANTATION BENEFIT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Costs directly related to the implantation of the following natural human organs; kidney, liver,
heart, lung, stem cell, bone marrow and skin grafts (where medically necessary and not for
cosmetic purposes).
• There is NO cover for the costs associated with locating a replacement organ, or for the
removal of the organ from the donor, or any transportation and administration costs.
• There is NO cover for costs associated with procurement and/or implantation of an artificial
and /or non-human organ.
• There is NO costs for medical treatment associated with cryopreservation, implantation or
reimplantation of living cells or living tissues whether autologous or provided by a donor.
DAY-PATIENT PSYCHIATRIC COVER
The cost of hospital accommodation in a standard single bedded room (where available) in a
registered psychiatric unit for a psychiatric illness including, consultant psychiatric fees, diagnostic
procedures and prescribed drugs and medicines.
LOCAL AMBULANCE SERVICES
The cost of provision of ambulance services to transport you to hospital in the event of a medical
emergency.
IN-PATIENT CHRONIC CONDITION BENEFITS
In-patient treatment of chronic medical conditions diagnosed after the start date of the policy or
agreed to be covered in writing at application stage.
Chronic or end stage renal failure which requires regular or long term dialysis is not covered under this
benefit.
2 Cancer Care Benefit
A CANCER TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
From the date an insured person is diagnosed with cancer, subject to it not pre-existing the start
date of the policy, whether it is in its acute, chronic or terminal stage, all and any treatment received
thereafter on an in-patient, day-patient or out-patient basis involving: consultations, diagnostic
tests, scans, investigations, prescribed drugs and dressings, chemotherapy, radiotherapy, stem cell
transplants (from either bone marrow or blood), routine management and palliative treatments;
will be assessed and paid for under this benefit.
Eligible costs incurred up until the point of diagnosis are not assessed under this benefit but may be
covered under any out-patient benefit if included in your plan.
F EXTERNAL PROSTHESES
An external device (i.e. artificial limbs) that substitutes or supplements a missing part of the body.
Full Refund –
maximum 13
weeks
Up to 20,000
Lifetime Limit
Full Refund
Full Refund
200,000
Full Refund
2,500
Full Refund -
Limited to 4 separate
day case admissions per
period of cover
Evolution Health Plan | ComprehensivePage 3 of 9HDI/UK/EVO/TOB-COMP/04/21
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Combined Limit
of 5,000
Full Refund
1,000
1,000
1,000
2,5003 Out-Patient Benefits
A Full Refund
B
OUT-PATIENT MINOR SURGERY
Minor surgical procedures carried out in a doctors clinic/consulting rooms or out-patient centre by
a registered medical practitioner.
OUT-PATIENT SERVICES
The services ordered by a physician who is licensed as a general practitioner, consultant or
physician, including prescribed drugs, medicines and dressings.
DIAGNOSTIC TESTS, X-RAYS, PATHOLOGY
The cost of diagnostic tests, investigations including ECG, X-rays, pathology and histology.
OUT-PATIENT CHRONIC CONDITION BENEFITS
Treatment of chronic medical conditions on an out-patient basis diagnosed after the start date of
the policy or agreed to be covered in writing at application stage.
Chronic or end stage renal failure which requires regular or long term dialysis is not covered under
this benefit.
MRI/CT/PET SCANS
The cost of MRI/CT/PET scans when ordered by a physician.
PHYSIOTHERAPY
Treatment provided by a licensed Physiotherapist.
MEDICAL AIDS AND DEVICES
The cost of hiring mobility aids and devices including: walking sticks or frames, wheelchairs and
crutches.
COMPLEMENTARY THERAPIES
Chiropractic, homeopathy, osteopathy, acupuncture, ayurvedic, herbal and Chinese medicines,
consultations with registered practitioners, including prescribed drugs and medicines.
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Full Refund –
maximum 10
visits
Full Refund –
Maximum 12
weeks
HORMONE REPLACEMENT THERAPY
Treatment received to relieve the symptoms of the menopause, including; prescribed medicines,
patches and implants.
OUT-PATIENT PSYCHIATRIC TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS
BENEFIT, A 12 MONTH WAIT PERIOD APPLIES TO THIS BENEFIT – MUST BE REFERRED BY A
PHYSICIAN
Treatment of any psychiatric and psychological disorders by a consultant psychiatrist/
psychotherapist, diagnosed after the start date of the policy, including consultations and prescribed
drugs and medicines. This is subject to a referral from a primary physician.
HOME NURSING
Nursing at home where prescribed as medically necessary immediately following a period of in-
patient treatment covered by this policy. All nursing must be provided by a qualified nurse and
must be under the supervision and direction of a physician.
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Combined Limit
of 5,000
Full Refund
1,000
1,000
1,000
2,5003 Out-Patient Benefits
A Full Refund
B
OUT-PATIENT MINOR SURGERY
Minor surgical procedures carried out in a doctors clinic/consulting rooms or out-patient centre by
a registered medical practitioner.
OUT-PATIENT SERVICES
The services ordered by a physician who is licensed as a general practitioner, consultant or
physician, including prescribed drugs, medicines and dressings.
DIAGNOSTIC TESTS, X-RAYS, PATHOLOGY
The cost of diagnostic tests, investigations including ECG, X-rays, pathology and histology.
OUT-PATIENT CHRONIC CONDITION BENEFITS
Treatment of chronic medical conditions on an out-patient basis diagnosed after the start date of
the policy or agreed to be covered in writing at application stage.
Chronic or end stage renal failure which requires regular or long term dialysis is not covered under
this benefit.
MRI/CT/PET SCANS
The cost of MRI/CT/PET scans when ordered by a physician.
PHYSIOTHERAPY
Treatment provided by a licensed Physiotherapist.
MEDICAL AIDS AND DEVICES
The cost of hiring mobility aids and devices including: walking sticks or frames, wheelchairs and
crutches.
COMPLEMENTARY THERAPIES
Chiropractic, homeopathy, osteopathy, acupuncture, ayurvedic, herbal and Chinese medicines,
consultations with registered practitioners, including prescribed drugs and medicines.
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Full Refund –
maximum 10
visits
Full Refund –
Maximum 12
weeks
HORMONE REPLACEMENT THERAPY
Treatment received to relieve the symptoms of the menopause, including; prescribed medicines,
patches and implants.
OUT-PATIENT PSYCHIATRIC TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS
BENEFIT, A 12 MONTH WAIT PERIOD APPLIES TO THIS BENEFIT – MUST BE REFERRED BY A
PHYSICIAN
Treatment of any psychiatric and psychological disorders by a consultant psychiatrist/
psychotherapist, diagnosed after the start date of the policy, including consultations and prescribed
drugs and medicines. This is subject to a referral from a primary physician.
HOME NURSING
Nursing at home where prescribed as medically necessary immediately following a period of in-
patient treatment covered by this policy. All nursing must be provided by a qualified nurse and
must be under the supervision and direction of a physician.
Evolution Health Plan | ComprehensivePage 4 of 9HDI/UK/EVO/TOB-COMP/04/21
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Chronic Condition Benefits
Wellness Benefits ALL BENEFITS ARE SUBJECT TO A 12 MONTH WAIT PERIOD
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HOSPICE CARE TREATMENT - PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Accommodation in a hospice for palliative treatment for an insured person who has been given a
terminal prognosis.
HIV AND AIDS TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT, A TWO
YEAR WAIT PERIOD APPLIES TO THIS BENEFIT
Medical treatment for HIV and AIDS including related diseases where contracted as a direct result
of a blood transfusion received after the insured persons start date.
WELLNESS SCREENING
Including cancer screening (cervical smears, mammograms and prostate/colon/testicular), testing
for body temperature, pulse, blood pressure, respiration, full blood count, fasting blood sugar, lipid
(fats) profile, kidney function panel, liver function panel and thyroid panel.
This is not applicable to insured persons under the age of 16.
TRAVEL VACCINATIONS/PREVENTATIVE MEDICATIONS
Vaccinations and immunisations and preventative medications that are directly related to overseas
travel requirements.
CHILD VACCINATIONS
Routine and preventative vaccinations for an insured child up to age 10.
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OPTICAL BENEFIT
One annual vision/eye test.
VISION BENEFIT
Contribution towards the cost of glasses or contact lenses where prescribed by an ophthalmologist
or optician.
This does not cover: contact lenses supplied for cosmetic purposes only, sunglasses of any kind,
replacement glasses or contact lenses where they were worn prior to the start date of an insured persons
policy.
LASER EYE BENEFIT
Treatment and consultations related to corrective laser eye treatment when performed by a
qualified ophthalmic surgeon.
This does not cover: laser eye surgery where glasses or contact lenses were worn prior to the start date of
an insured persons policy.
HEARING TEST BENEFIT
One annual hearing test.
HEARING AID BENEFIT
Contribution towards the costs of a hearing aid where prescribed by an audiologist/ENT Consultant.
2,500 each
insured period
up to 37,500
Lifetime Limit
75
75
Full Refund -
maximum 14
nights
200
Not Covered
Full Refund
Not Covered
Not Covered
Not Covered
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B
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4
5
Chronic Condition Benefits
Wellness Benefits ALL BENEFITS ARE SUBJECT TO A 12 MONTH WAIT PERIOD
A
A
HOSPICE CARE TREATMENT - PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT
Accommodation in a hospice for palliative treatment for an insured person who has been given a
terminal prognosis.
HIV AND AIDS TREATMENT – PRE-AUTHORISATION IS REQUIRED FOR THIS BENEFIT, A TWO
YEAR WAIT PERIOD APPLIES TO THIS BENEFIT
Medical treatment for HIV and AIDS including related diseases where contracted as a direct result
of a blood transfusion received after the insured persons start date.
WELLNESS SCREENING
Including cancer screening (cervical smears, mammograms and prostate/colon/testicular), testing
for body temperature, pulse, blood pressure, respiration, full blood count, fasting blood sugar, lipid
(fats) profile, kidney function panel, liver function panel and thyroid panel.
This is not applicable to insured persons under the age of 16.
TRAVEL VACCINATIONS/PREVENTATIVE MEDICATIONS
Vaccinations and immunisations and preventative medications that are directly related to overseas
travel requirements.
CHILD VACCINATIONS
Routine and preventative vaccinations for an insured child up to age 10.
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OPTICAL BENEFIT
One annual vision/eye test.
VISION BENEFIT
Contribution towards the cost of glasses or contact lenses where prescribed by an ophthalmologist
or optician.
This does not cover: contact lenses supplied for cosmetic purposes only, sunglasses of any kind,
replacement glasses or contact lenses where they were worn prior to the start date of an insured persons
policy.
LASER EYE BENEFIT
Treatment and consultations related to corrective laser eye treatment when performed by a
qualified ophthalmic surgeon.
This does not cover: laser eye surgery where glasses or contact lenses were worn prior to the start date of
an insured persons policy.
HEARING TEST BENEFIT
One annual hearing test.
HEARING AID BENEFIT
Contribution towards the costs of a hearing aid where prescribed by an audiologist/ENT Consultant.
2,500 each
insured period
up to 37,500
Lifetime Limit
75
75
Full Refund -
maximum 14
nights
200
Not Covered
Full Refund
Not Covered
Not Covered
Not Covered
Evolution Health Plan | ComprehensivePage 5 of 9HDI/UK/EVO/TOB-COMP/04/21
6 Dental Treatment Benefits
A EMERGENCY DENTAL TREATMENT
Dental treatment for immediate pain relief where required as a direct result of an accident. Only
treatment received during the first 48 hours following the date of the accident is covered.
Please not there is no cover available for:
• Treatment where the injury was caused by eating or drinking anything, even if it contained a
foreign body.
• Treatment where the damage was caused by normal wear and tear.
• Treatment where the damage was caused by teeth brushing or any other oral hygiene
procedure.
• Treatment where the injury was caused by any means other than extra-oral impact.
• Emergency dental treatment shall not include; restorative or remedial work; the use of any
precious metals; orthodontic treatment of any kind; or dental surgery performed in a hospital,
unless dental surgery is the only treatment available to alleviate the pain.
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NON-EMERGENCY ROUTINE DENTAL TREATMENT – A 6 MONTH WAIT PERIOD AND A 10%
CO-INSURANCE APPLIES TO THIS BENEFIT
Including: Routine examinations, cleaning and polishing, fillings using amalgams or composite
materials, extractions (not wisdom tooth), x-rays, moulds and treatment for the relief of an infection
including antibiotics and temporary fillings.
Please note there is no cover available for:
• The cost of precious metals in any dental procedure;
• Gingivitis, periodontosis, or gum disease of any kind.
• Dental procedures other than those stated above.
• Replacement of existing crowns, inlays, fillings, bridges or missing teeth apparent at the start
date of the policy.
NON-EMERGENCY MAJOR DENTAL TREATMENT – A 6 MONTH WAIT PERIOD AND A 10%
CO-INSURANCE APPLIES TO THIS BENEFIT
Root canal treatment, new porcelain crown, new inlay, new bridgework, repairs to crown or inlay,
repairs to bridge.
Please note there is no cover available for:
• The cost of precious metals in any dental procedure;
• Gingivitis, periodontitis, or gum disease of any kind.
• Dental procedures other than those stated above.
• Replacement of existing crowns, inlays, fillings, bridges or missing teeth apparent at the start
date of the policy.
EXTRACTION OF WISDOM TEETH - A 6 MONTH WAIT PERIOD AND A 10% CO-INSURANCE
APPLIES TO THIS BENEFIT - PRE-AUTHORISATION REQUIRED FOR IN-PATIENT TREATMENT.
Extraction of buried, impacted or un-erupted wisdom teeth on an in-patient, day-patient or out-
patient basis.
ORTHODONTIC TREATMENT - A 6 MONTH WAIT PERIOD AND A 10% CO-INSURANCE APPLIES
TO THIS BENEFIT
Orthodontic dental treatment for insured children under age 19.
Full Refund
750
750
Full Refund
Not Covered
6 Dental Treatment Benefits
A EMERGENCY DENTAL TREATMENT
Dental treatment for immediate pain relief where required as a direct result of an accident. Only
treatment received during the first 48 hours following the date of the accident is covered.
Please not there is no cover available for:
• Treatment where the injury was caused by eating or drinking anything, even if it contained a
foreign body.
• Treatment where the damage was caused by normal wear and tear.
• Treatment where the damage was caused by teeth brushing or any other oral hygiene
procedure.
• Treatment where the injury was caused by any means other than extra-oral impact.
• Emergency dental treatment shall not include; restorative or remedial work; the use of any
precious metals; orthodontic treatment of any kind; or dental surgery performed in a hospital,
unless dental surgery is the only treatment available to alleviate the pain.
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NON-EMERGENCY ROUTINE DENTAL TREATMENT – A 6 MONTH WAIT PERIOD AND A 10%
CO-INSURANCE APPLIES TO THIS BENEFIT
Including: Routine examinations, cleaning and polishing, fillings using amalgams or composite
materials, extractions (not wisdom tooth), x-rays, moulds and treatment for the relief of an infection
including antibiotics and temporary fillings.
Please note there is no cover available for:
• The cost of precious metals in any dental procedure;
• Gingivitis, periodontosis, or gum disease of any kind.
• Dental procedures other than those stated above.
• Replacement of existing crowns, inlays, fillings, bridges or missing teeth apparent at the start
date of the policy.
NON-EMERGENCY MAJOR DENTAL TREATMENT – A 6 MONTH WAIT PERIOD AND A 10%
CO-INSURANCE APPLIES TO THIS BENEFIT
Root canal treatment, new porcelain crown, new inlay, new bridgework, repairs to crown or inlay,
repairs to bridge.
Please note there is no cover available for:
• The cost of precious metals in any dental procedure;
• Gingivitis, periodontitis, or gum disease of any kind.
• Dental procedures other than those stated above.
• Replacement of existing crowns, inlays, fillings, bridges or missing teeth apparent at the start
date of the policy.
EXTRACTION OF WISDOM TEETH - A 6 MONTH WAIT PERIOD AND A 10% CO-INSURANCE
APPLIES TO THIS BENEFIT - PRE-AUTHORISATION REQUIRED FOR IN-PATIENT TREATMENT.
Extraction of buried, impacted or un-erupted wisdom teeth on an in-patient, day-patient or out-
patient basis.
ORTHODONTIC TREATMENT - A 6 MONTH WAIT PERIOD AND A 10% CO-INSURANCE APPLIES
TO THIS BENEFIT
Orthodontic dental treatment for insured children under age 19.
Full Refund
750
750
Full Refund
Not Covered
Request contact
Apply and/or receive advice from a specialized executive