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Core plans
Out-patient plans
Dental plans
Area of cover

Policy terms and conditions
The following Table of Benefits was designed for promotional purpose and offers an overview of the cover we provide under each plan. All limits are per member, per Insurance Year, unless otherwise stated. Cover is subject to product availability and to our policy terms and conditions, as detailed in our Benefit Guide, which is available on our website: www.allianzcare.com/en/UKEI

We provide our Care plans in three different levels, which offer from essential to premium cover:

Care Base

Care Enhanced

Care Signature

Please see the tables in the following pages for a comparison of the three levels and choose the one that suits you.

Under these cover levels, you will find three modules that cover different types of treatments: Core for in-patient and high-cost treatments, then Out-patient and Dental. You must select the type of Core plan you prefer, then you can add either an Out-patient plan or a Dental plan, or both. You can’t buy the Out-patient plan and the Dental plan separately, without a Core plan.

Please note that the type of Core plan you select will determine the type of the other modules, e.g. if you choose the Care Base Core Plan, then you must select the Care Base Out-patient Plan, and so on.

Core Plans

Key to Table of Benefits:
√	Covered in full, up to the maximum plan limit
X	Not available

		Care Base	Care Enhanced	Care Signature
Maximum plan limit		£ 830,000 / € 1,000,000 / US$ 1,350,000	£ 1,660,000 / € 2,000,000 / US$ 2,700,000	£ 3,100,000 / € 3,703,705 / US$ 5,000,000
In-patient benefits
Hospital accommodation	Pre-authorisation required	Private room	Private room	Private room
Intensive care	Pre-authorisation required	√	√	√
Prescription drugs and materials In-patient and day-care treatment only Prescription drugs are those which legally can only be purchased when you have a doctor’s prescription	Pre-authorisation required	√	√	√
Surgical fees, including anaesthesia and theatre charges	Pre-authorisation required	√	√	√

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Physician and therapist fees In-patient and day-care treatment only	Pre-authorisation required	√	√	√
Surgical appliances and materials	Pre-authorisation required	√	√	√
Diagnostic tests In-patient and day-care treatment only	Pre-authorisation required	√	√	√
Organ transplant In-patient treatment only	Pre-authorisation required	√	√	√
Bariatric surgery In-patient and out-patient treatment 24-month waiting period applies	Pre-authorisation required	X	70%, up to £ 12,450 / € 15,000 / US$ 20,250	80% up to £ 16,600 / € 20,000 / US$ 27,000
Psychiatry and psychotherapy In-patient and day-care treatment only	Pre-authorisation required	√	√	√
Accommodation costs for one parent staying in hospital with an insured child under 18	Pre-authorisation required	X	√	√
Emergency in-patient dental treatment		√	√	√

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Other benefits
Day-care treatment	Pre-authorisation required	√	√	√
Kidney dialysis In-patient, day-care and out-patient treatment	Pre-authorisation required	√	√	√
HIV/AIDS treatment In-patient, day-care and out-patient treatment	Pre-authorisation required	√	√	√
Out-patient surgery	Pre-authorisation required	√	√	√
Nursing at home or in a convalescent home Immediately after or instead of hospitalisation	Pre-authorisation required	£ 1,245 / € 1,500 / US$ 2,025, max. 30 days	£ 2,075 / € 2,500 / US$ 3,375, max. 60 days	√ max. 90 days
Rehabilitation treatment In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases		£ 2,490 / € 3,000 / US$ 4,050, max. 30 days	£ 6,225 / € 7,500 / US$ 10,125, max. 60 days	√ max. 90 days
Pre-hospitalisation tests Covered when they are needed in the 72 hours before in-patient or day-care treatment		√	√	√

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Post-hospitalisation treatment Covered when it is needed in the 90 days following discharge from in-patient or day-care treatment for the same acute medical condition		√	√	√
Local ambulance		√	√	√
Emergency treatment outside area of cover For trips of a maximum period of six weeks		£ 83,000 / € 100,000 / US$ 135,000, max. 42 days	£ 210,000 / € 250,000 / US$ 337,500, max. 42 days	√ max. 42 days
Medical evacuation and repatriation		√	√	√
Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre (or if the insured person’s home country is within their area of cover, they can choose to be medically repatriated to their home country).	Pre-authorisation required	√	√	√
Where ongoing treatment is required, we will cover hotel accommodation costs.	Pre-authorisation required	√	√	√
Evacuation in the event of unavailability of adequately screened blood.	Pre-authorisation required	√	√	√
If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs.	Pre-authorisation required	Max. 7 days	Max. 7 days	Max. 7 days

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Travel costs for one person accompanying an evacuated/repatriated person	Pre-authorisation required	£ 1,660 / € 2,000 / US$ 2,700	£ 2,490 / € 3,000 / US$ 4,050	£ 2,490 / € 3,000 / US$ 4,050
Travel costs of insured family members in the event of an evacuation/repatriation	Pre-authorisation required	X	£ 1,660 / € 2,000 / US$ 2,700 per event	£ 1,660 / € 2,000 / US$ 2,700 per event
Travel costs of insured members to be with a close relative who is at peril of death or who has died		X	£ 625 / € 750 / US$ 1,015	£ 1,245 / € 1,500 / US$ 2,025
Repatriation of mortal remains or burial expenses	Pre-authorisation required	√	√	√
Travel costs of insured family members in the event of the repatriation of mortal remains	Pre-authorisation required	X	£ 1,660 / € 2,000 / US$ 2,700 per event	£ 1,660 / € 2,000 / US$ 2,700 per event
CT and MRI scans In-patient and out-patient treatment		√	√	√
PET and CT-PET scans In-patient and out-patient treatment	Pre-authorisation required	√	√	√
Oncology In-patient, day-care and out-patient treatment	Pre-authorisation required	√	√	√
Purchase of a wig, prosthetic bra or other external prosthetic device for cosmetic purposes		£ 165 / € 200 / US$ 270	£ 165 / € 200 / US$ 270	£ 415 / € 500 / US$ 675

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Congenital conditions When diagnosed after your policy’s start date	Pre-authorisation required	£ 12,450 / € 15,000 / US$ 20,250	£ 20,750 / € 25,000 / US$ 33,750	£ 33,200 / € 40,000 / US$ 54,000
Preventive surgery In-patient and out-patient treatment	Pre-authorisation required	X	£ 12,450 / € 15,000 / US$ 20,250	£ 24,900 / € 30,000 / US$ 40,500
Routine maternity In-patient and out-patient treatment 12-month waiting period applies	Pre-authorisation required	X	£ 4,150 / € 5,000 / US$ 6,750 per pregnancy	£ 8,300 / € 10,000 / US$ 13,500 per pregnancy
Complications of childbirth In-patient treatment 12-month waiting period applies	Pre-authorisation required	X	£ 8,300 / € 10,000 / US$ 13,500 per pregnancy	£ 12,450 / € 15,000 / US$ 20,250 per pregnancy
Complications of pregnancy In-patient and out-patient treatment 12-month waiting period applies	Pre-authorisation required	X	√	√
Laser eye treatment		X	X	£ 830 / € 1,000 / US$ 1,350
In-patient cash benefit (per night) Where treatment has been received free of charge		£ 125 / € 150 / US$ 205	£ 125 / € 150 / US$ 205	£ 125 / € 150 / US$ 205

CORE PLANS (cont.)		Care Base	Care Enhanced	Care Signature
Emergency out-patient treatment Where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan		£ 208 / € 250 / US$ 338	£ 625 / € 750 / US$ 1,015	£ 1,245 / € 1,500 / US$ 2,025
Emergency out-patient dental treatment Can also be reimbursed within the terms of any separate Dental Plan		£ 498 / € 600 / US$ 810	√	√
Palliative care In-patient, day-care and out-patient treatment	Pre-authorisation required	√	√	√
Long term care In-patient, day-care and out-patient treatment	Pre-authorisation required	√ Max. 90 days per lifetime	√ Max. 90 days per lifetime	√ Max. 90 days per lifetime
Drug and alcohol addiction treatment For dependent children 10-month waiting period applies		X	£ 830 / € 1,000 / US$ 1,350	£ 830 / € 1,000 / US$ 1,350
Additional Core Plan services
Expat Assistance Programme** Offers access to a range of 24/7 multilingual support services as follows: Confidential and professional counselling up to five sessions per issue, per calendar year (in-person, phone and video) Legal and financial referral services Wellness website access		√	√	√

CORE PLANS (cont.)	Care Base	Care Enhanced	Care Signature
Travel Security Services** Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes: Emergency Security Assistance Hotline (not a free phone number) Country intelligence and security advice Daily security news and travel safety alerts	√	√	√
Olive** Our Health & Wellness support program includes, for example: Fitness app Access to wellness resources	√	√	√
Digital Health App** Reimbursement for one digital health app of your choice for the prevention, detection and management of a disease or condition.	Up to £ 42 / € 50 / US$ 70	Up to £ 42 / € 50 / US$ 70	Up to £ 42 / € 50 / US$ 70
MyHealth Digital Services Manage your cover online with our app or portal anytime, anywhere Submit and track progress of claims Access your policy documents, health services, payment details and more	√	√	√
Second Medical Opinion Service** Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended	√	√	√

Core Plan Deductibles

To reduce your Core Plan premium, simply select an optional deductible from the list below and read across to find the relevant premium discount. You can choose a Core Plan deductible AND/OR an Out-patient Plan deductible (appearing further in this document, after the Out-patient Plans table). Where a deductible is selected, it is payable per person, per Insurance Year. Also, our premiums are expressed in whole numbers (i.e. without any cents or pence etc.); therefore, percentages may be slightly higher or lower than those stated below.

Optional Core Plan Deductibles	Premium discount
No deductible	0%
£ 830 / € 1,000 / US$ 1,350	10%
£ 2,490 / € 3,000 / US$ 4,050	20%
£ 4,980 / € 6,000 / US$ 8,100	30%

Out-patient Plans

You can select an Out-patient Plan together with the corresponding Core Plan. You can’t buy it separately.

		Care Base	Care Enhanced	Care Signature
Maximum plan limit		£ 8,300 / € 10,000 / US$ 13,500	£ 20,750 / € 25,000 / US$ 33,750	No limit
Out-patient Plan benefits
Video consultation services** Accessed via our TeleHealth Hub		√	√	√
Medical practitioner fees		√ up to 15 visits	√ up to 30 visits	√ up to 60 visits
Specialist fees
Chiropractic treatment, osteopathy and podiatry
Prescribed physiotherapy
Non-prescribed physiotherapy
Prescribed speech therapy and occupational therapy	Pre-authorisation required
Homeopathy, Chinese herbal medicine and acupuncture		5 visits	15 visits	20 visits

OUT-PATIENT PLANS (cont.)	Care Base	Care Enhanced	Care Signature
Diagnostic tests	√	√	√
Vaccinations	£ 125/ € 150 / US$ 205	£ 415 / € 500 / US$ 675	√
Prescribed drugs and dressings	£ 830 / €1,000 / US$ 1,350	£ 2,490 / € 3,000 / US$ 4,050	√
Health and wellbeing checks including screening for the early detection of illness or disease Checks are limited to: Physical examination Chest X-ray Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test) Cardiovascular examination (physical examination, electrocardiogram, blood pressure) Neurological examination (physical examination) Bone densitometry (every five years for women aged 50+) Well child test (for children up to the age of six years)	£ 330 / € 400 / US$ 540 15 visits	£ 665 / € 800 / US$ 1,080 15 visits	£ 1,245 / € 1,500 / US$ 2,025 15 visits
Cancer screening Checks are limited to: Annual gynaecological exam Mammogram (every two years for women aged 45+, or younger where a family history exists) Annual prostate screening (yearly for men aged 50+, or younger where a family history exists) Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists) Annual faecal occult blood test BRCA1 and BRCA2 genetic test (where a direct family history exists)	√	√	√

OUT-PATIENT PLANS (cont.)	Care Base	Care Enhanced	Care Signature
Fertility treatment 12-month waiting period applies	X	X	£ 5,810 / € 7,000 / US$ 9,450
Psychiatry and psychotherapy Referral from doctor required for psychotherapy	5 visits	15 visits	30 visits
Prescribed medical aids	£ 415 / € 500 / US$ 675	£ 1,245 / € 1,500 / US$ 2,025	√
Prescribed glasses and contact lenses including eye examination	£ 62 / € 75 / US$ 100	£ 125 / € 150 / US$ 205	£ 250 / € 300 / US$ 405
Dietician fees	X	2 visits	4 visits
Family support Eligible expenses include: Pregnancy yoga or pilates Breastfeeding consultation Post-natal counselling Child hearing exam Family expenses during childbirth Child speech and language therapy (for the treatment of dyslexia and dyspraxia) First aid course for parents who have a child insured as a dependant	X	£ 250 / € 300 / US$ 405	£ 374 / € 450 / US$ 610
Hormone replacement therapy	£ 330 / € 400 / US$ 540	£ 625 / € 750 / US$ 1,015	£ 1,000 / € 1,200 / US$ 1,620
Sleep apnoea	X	£ 665 / € 800 / US$ 1,080	£ 1,245 / € 1,500 / US$ 2,025

Out-patient Plan Deductibles

To reduce your Out-patient Plan premium, simply select an optional deductible from the list below and read across to find the relevant premium discount. You can choose an Out-patient Plan deductible AND/OR a Core Plan deductible. Where a deductible is selected, it is payable per person, per Insurance Year. Also, our premiums are expressed in whole numbers (i.e. without any cents or pence etc.); therefore, percentages may be slightly higher or lower than those stated below.

Optional Out-patient Plan deductibles	Premium discount
No deductible	0%
£ 208 / € 250 / US$ 338	10%
£ 457 / € 550 / US$ 743	20%
£ 705 / € 850 / US$ 1,148	30%

Dental Plans

You can select a Dental Plan together with the corresponding Core Plan. You can’t buy it separately.

	Care Base	Care Enhanced	Care Signature
Maximum plan limit	£ 995 / € 1,110 / US$ 1,500	£ 1,543 / € 1,852 / US$ 2,500	No limit
Dental Plan benefits
Dental treatment	80% refund	80% refund	√
Dental surgery	80% refund	80% refund	√
Periodontics	80% refund	80% refund	√
Orthodontic treatment Please contact us and submit the details we will require before starting treatment, so we can verify if you are covered. 10-month waiting period applies	X	50% refund	65% refund, up to £ 4,150 / € 5,000 / US$ 6,750
Dental prostheses 10-month waiting period applies	X	50% refund	65% refund, up to £ 4,150 / € 5,000 / US$ 6,750

Area of cover

We offer a choice of three different geographical areas of cover:

Worldwide

Please see our Benefit Guide for details on how to navigate the US healthcare system ensuring access to care on a direct billing basis.

Worldwide excluding USA

Europe

The cost of your cover will vary depending on which region of cover you choose. The areas of cover are subject to our terms and conditions.

** Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, fitness app, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The fitness app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The fitness app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that the insurer, its reinsurers and administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.