Hospital Costs (including accommodation)

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

Parent Accommodation

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

Theatre Fees

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

ICU/HDU (intensive care/ high dependency unit)

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

Specialist Fees

We will pay for the surgeon, anesthetist and assistant’s fees both in surgery and immediately before or after surgery on the same day. We will pay for surgeon’s consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

Pathology, X-rays and diagnostics tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physio / Chiro / Osteo / Complementary therapists / dietician and speech therapy

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

Chronic conditions

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only. This includes all in-patient care following the active treatment for malignant neoplastic diseases.

Prosthetic Implants

We will pay for prosthetic implants needed as part of your treatment.

Home Nursing

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

Cash benefit

We will pay a lump sum cash benefit per night you spend in the hospital where you are not charged for your admission (ie: at a public hospital)

Congenital and hereditary conditions

We will pay for the treatment of Congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth regardless the date of diagnosis. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family.

Cover Outside of Geographical Area

Covered until stable for transfer or up to the cash limit supplied.

Cancer treatment

We will pay for fees specifically related to the examination of suspected tumors, active treatment of Cancer, including hospitalization for tumor removal, radiotherapy, chemotherapy and associated consultations, drugs and laboratory and diagnostic tests, but not included the control examinations after active treatment. Malignant neoplastic diseases are considered chronic conditions after active treatment.

Transplant Services

We will pay for the costs of any treatment directly related to the implantation of a replacement organ, including bone marrow transplants. We will also pay towards costs associated with transplant services as an out-patient related to a provided or forthcoming transplant, including for the avoidance of doubt anti-rejection medicines. We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

Advanced imaging

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Road Ambulance Services

We will pay for the costs of a medically necessary road ambulance to either transfer you to hospital following an accident or from home to the hospital and back or from one hospital to another.

Hospital Costs (including accommodation)

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

Parent Accommodation

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

Theatre Fees

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

ICU/HDU (intensive care/ high dependency unit)

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

Specialist Fees

We will pay for the surgeon, anesthetist and assistant’s fees both in surgery and immediately before or after surgery on the same day. We will pay for surgeon’s consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

Pathology, X-rays and diagnostics tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physio / Chiro / Osteo / Complementary therapists / dietician and speech therapy

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

Chronic conditions

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only. This includes all in-patient care following the active treatment for malignant neoplastic diseases.

Rehabilitation

We will pay for In-Patient rehabilitation costs following surgery.

Prosthetic Implants

We will pay for prosthetic implants needed as part of your treatment.

Home Nursing

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

Cash benefit

We will pay a lump sum cash benefit per night you spend in the hospital where you are not charged for your admission (ie: at a public hospital).

Congenital and hereditary conditions

We will pay for the treatment of Congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth regardless the date of diagnosis. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family.

Cover Outside of Geographical Area

Covered until stable for transfer or up to the cash limit supplied.

Outpatient Surgery

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

General Practitioner & Specialist Fees

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

Pathology/x-rays and diagnostic tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physiotherapy

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purposes of providing short term focused treatment to relieve pain or restore function.

Drugs and Dressings and Medical Aids

We will pay for the cost of drugs and dressings and medical aids prescribed by your medical practitioner on your medical document that will only be used for the treatment of a disease, illness or injury. In the case of Medical Aids, up to HUF 100,000.

Chronic conditions

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain, all outpatient care following the active treatment of malignant neoplastic diseases).

Emergency Out-Patient treatment

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient, including specialists, laboratory and diagnostic examinations) up to the limits provided.

Cancer treatment

We will pay for fees specifically related to the examination of suspected tumors, active treatment of Cancer, including hospitalization for tumor removal, radiotherapy, chemotherapy and associated consultations, drugs and laboratory and diagnostic tests, but not included the control examinations after active treatment. Malignant neoplastic diseases are considered chronic conditions after active treatment.

Transplant Services

We will pay for the costs of any treatment directly related to the implantation of a replacement organ, including bone marrow transplants. We will also pay towards costs associated with transplant services as an out-patient related to a provided or forthcoming transplant, including for the avoidance of doubt anti-rejection medicines. We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

Advanced imaging

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Road Ambulance Services

We will pay for the costs of a medically necessary road ambulance to either transfer you to hospital following an accident or from home to the hospital and back or from one hospital to another.

Repatriation of Mortal Remains

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

International Emergency Medical Evacuation (subject to Our approval)

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need we will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/ country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to 16,250 HUF each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

Health Screening

We will pay towards an annual preventive health screening up to the sum insured above the age of 2. The list of the available preventive sreening elements can be found in the Meaning of Words section.

Hospital Costs (including accommodation)

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

Parent Accommodation

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

Theatre Fees

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

ICU/HDU (intensive care/ high dependency unit)

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

Specialist Fees

We will pay for the surgeon, anesthetist and assistant’s fees both in surgery and immediately before or after surgery on the same day. We will pay for surgeon’s consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

Pathology, X-rays and diagnostics tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physio / Chiro / Osteo / Complementary therapists / dietician and speech therapy

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

Chronic conditions

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only. This includes all in-patient care following the active treatment for malignant neoplastic diseases.

Rehabilitation

We will pay for In-Patient rehabilitation costs following surgery.

Prosthetic Implants

We will pay for prosthetic implants needed as part of your treatment.

Home Nursing

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

Cash benefit

We will pay a lump sum cash benefit per night you spend in the hospital where you are not charged for your admission (ie: at a public hospital)

Congenital and hereditary conditions

We will pay for the treatment of Congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth regardless the date of diagnosis. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family.

Cover Outside of Geographical Area

Covered until stable for transfer or up to the cash limit supplied.

Outpatient Surgery

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

Cancer treatment

We will pay for fees specifically related to the examination of suspected tumors, active treatment of Cancer, including hospitalization for tumor removal, radiotherapy, chemotherapy and associated consultations, drugs and laboratory and diagnostic tests, but not included the control examinations after active treatment. Malignant neoplastic diseases are considered chronic conditions after active treatment.

Transplant Services

We will pay for the costs of any treatment directly related to the implantation of a replacement organ, including bone marrow transplants. We will also pay towards costs associated with transplant services as an out-patient related to a provided or forthcoming transplant, including for the avoidance of doubt anti-rejection medicines. We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

Advanced imaging

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Maternity Care

Maternity benefit is only available after 12 months of continuous cover. Cover includes hospital charges, obstetrician and midwife fees for normal childbirth, pre and postnatal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for terminations of pregnancy, other than miscarriage, ectopic pregnancy and stillbirth. We will pay for elective C-section and Childbirth at home. Restricted to cover in Hungary.

Childbirth Allowance

This benefit is only available after 12 months of continuous cover and only in the event of births occurring after prenatal care reimbursed under the insurance, during the coverage period. We will pay a lump sum childbirth allowance per child in case of your childbirth if you are not charged for your admission (ie: at a public hospital).

Newborn care

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth in case the birth and the maternity care was covered by the insurance. Children can be added as a close relative onto their parent’s policy within 30 days of birth with no exclusions (subject to the congenital benefit wording).

Road Ambulance Services

We will pay for the costs of a medically necessary road ambulance to either transfer you to hospital following an accident or from home to the hospital and back or from one hospital to another.

Repatriation of Mortal Remains

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

International Emergency Medical Evacuation (subject to Our approval)

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need we will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/ country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to 16,250 HUF each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

Preventive

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% copay for this. (ie: check-up, X-ray, scale and polish, mouth guard)

Routine and Restorative

We will pay towards costs of routine and restorative dental treatment and oral surgeries after you have been covered for 6 months on this option. 20% copay for this. (ie: fillings, root canal treatment, crowns/bridge, implant, anesthesia, orthodontic treatment, if it is required due to the jaw damaged during an accident)

Orthodontic

We will pay towards costs of orthodontic treatment up to the age of 18 after you have been covered for 2 years on this option. 50% copay for this. (ie: dental braces/retainers)

Hospital Costs (including accommodation)

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

Parent Accommodation

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

Theatre Fees

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

ICU/HDU (intensive care/ high dependency unit)

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

Specialist Fees

We will pay for the surgeon, anesthetist and assistant’s fees both in surgery and immediately before or after surgery on the same day. We will pay for surgeon’s consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

Pathology, X-rays and diagnostics tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physio / Chiro / Osteo / Complementary therapists / dietician and speech therapy

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

Chronic conditions

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only. This includes all in-patient care following the active treatment for malignant neoplastic diseases.

Rehabilitation

We will pay for In-Patient rehabilitation costs following surgery.

Psychiatric

We will pay for room and board and the costs of treatment when admitted to a psychiatric hospital up to the limits specified while under the supervision of a consultant psychiatrist.

Prosthetic Implants

We will pay for prosthetic implants needed as part of your treatment.

Prosthetic devices

We will pay towards the costs of any items, supplies or equipment used in the course of in-patient medical treatment or home care, such as orthopedic supports, crutches, wheelchairs, hearing aids or speaking aids.

Home Nursing

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

Cash benefit

We will pay a lump sum cash benefit per night you spend in the hospital where you are not charged for your admission (ie: at a public hospital)

Congenital and hereditary conditions

We will pay for the treatment of Congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth regardless the date of diagnosis. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family.

Cover Outside of Geographical Area

Covered until stable for transfer or up to the cash limit supplied.

Outpatient Surgery

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

General Practitioner & Specialist Fees

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

Pathology/x-rays and diagnostic tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physiotherapy

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purposes of providing short term focused treatment to relieve pain or restore function.

Drugs and Dressings and Medical Aids

We will pay for the cost of drugs and dressings and medical aids prescribed by your medical practitioner on your medical document that will only be used for the treatment of a disease, illness or injury. In the case of Medical Aids, up to HUF 100,000.

Consultations with therapists & complementary therapists

We will pay for the costs of treatment provided by a registered therapist, such as an Occupational Therapist and Complementary Therapist (acupuncture, homeopathy, chiropractic treatment or osteopathy). We will not pay for sexual therapy

Chronic conditions

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain, all outpatient care following the active treatment of malignant neoplastic diseases).

Speech therapy

We will pay for speech therapy in order to restore speech following an accident or for a condition (ie: stroke), under the recommendation of your specialist. We will not pay for developmental delay or language disorders.

Emergency Out-Patient treatment

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient, including specialists, laboratory and diagnostic examinations) up to the limits provided.

Psychiatric

We will pay for the consultation and associated costs for psychiatry, psychology or psychotherapy provided the overall treatment plan is under the referral of a practicing registered psychiatrist/ psychologist.

Cancer treatment

We will pay for fees specifically related to the examination of suspected tumors, active treatment of Cancer, including hospitalization for tumor removal, radiotherapy, chemotherapy and associated consultations, drugs and laboratory and diagnostic tests, but not included the control examinations after active treatment. Malignant neoplastic diseases are considered chronic conditions after active treatment.

Transplant Services

We will pay for the costs of any treatment directly related to the implantation of a replacement organ, including bone marrow transplants. We will also pay towards costs associated with transplant services as an out-patient related to a provided or forthcoming transplant, including for the avoidance of doubt anti-rejection medicines. We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

Advanced imaging

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Maternity Care

Maternity benefit is only available after 12 months of continuous cover. Cover includes hospital charges, obstetrician and midwife fees for normal childbirth, pre and postnatal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for terminations of pregnancy, other than miscarriage, ectopic pregnancy and stillbirth. We will pay for elective C-section and Childbirth at home. Restricted to cover in Hungary.

Childbirth Allowance

This benefit is only available after 12 months of continuous cover and only in the event of births occurring after prenatal care reimbursed under the insurance, during the coverage period. We will pay a lump sum childbirth allowance per child in case of your childbirth if you are not charged for your admission (ie: at a public hospital).

Complications of pregnancy

This benefit is only available after 12 months of continuous cover. We will pay for the costs of a Caesarian Section where medically necessary arising as a result of a complication, including conditions such as pre-eclampsia, threatened miscarriage, baby is in breech position or the life of the mother and/or baby is under threat.

Newborn care

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth in case the birth and the maternity care was covered by the insurance. Children can be added as a close relative onto their parent’s policy within 30 days of birth with no exclusions (subject to the congenital benefit wording).

Road Ambulance Services

We will pay for the costs of a medically necessary road ambulance to either transfer you to hospital following an accident or from home to the hospital and back or from one hospital to another.

Repatriation of Mortal Remains

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

International Emergency Medical Evacuation (subject to Our approval)

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need we will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/ country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to 16,250 HUF each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

Health Screening

We will pay towards an annual preventive health screening up to the sum insured above the age of 2. The list of the available preventive sreening elements can be found in the Meaning of Words section.

Baby Wellness

We will pay towards 4 health checks per year up until your child reaches the age of 2 and then the annual limits will apply.

Vaccinations

We pay towards medically necessary vaccinations and immunizations including travel vaccinations.

Preventive

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% copay for this. (ie: check-up, X-ray, scale and polish, mouth guard)

Routine and Restorative

We will pay towards costs of routine and restorative dental treatment and oral surgeries after you have been covered for 6 months on this option. 20% copay for this. (ie: fillings, root canal treatment, crowns/bridge, implant, anesthesia, orthodontic treatment, if it is required due to the jaw damaged during an accident)

Orthodontic

We will pay towards costs of orthodontic treatment up to the age of 18 after you have been covered for 2 years on this option. 50% copay for this. (ie: dental braces/retainers)

Hospital Costs (including accommodation)

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

Parent Accommodation

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

Theatre Fees

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

ICU/HDU (intensive care/ high dependency unit)

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

Specialist Fees

We will pay for the surgeon, anesthetist and assistant’s fees both in surgery and immediately before or after surgery on the same day. We will pay for surgeon’s consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

Pathology, X-rays and diagnostics tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physio / Chiro / Osteo / Complementary therapists / dietician and speech therapy

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

Chronic conditions

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only. This includes all in-patient care following the active treatment for malignant neoplastic diseases.

Rehabilitation

We will pay for In-Patient rehabilitation costs following surgery.

Psychiatric

We will pay for room and board and the costs of treatment when admitted to a psychiatric hospital up to the limits specified while under the supervision of a consultant psychiatrist.

Prosthetic Implants

We will pay for prosthetic implants needed as part of your treatment.

Prosthetic devices

We will pay towards the costs of any items, supplies or equipment used in the course of in-patient medical treatment or home care, such as orthopedic supports, crutches, wheelchairs, hearing aids or speaking aids.

Palliative Care

We will pay toward the costs of palliative care (whether in a hospice or at home) if you have received a terminal diagnosis and can no longer receive active medical treatment leading towards your recovery.

Home Nursing

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

Cash benefit

We will pay a lump sum cash benefit per night you spend in the hospital where you are not charged for your admission (ie: at a public hospital)

Congenital and hereditary conditions

We will pay for the treatment of Congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth regardless the date of diagnosis. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family.

Cover Outside of Geographical Area

Covered until stable for transfer or up to the cash limit supplied.

Outpatient Surgery

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

General Practitioner & Specialist Fees

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

Pathology/x-rays and diagnostic tests

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

Physiotherapy

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purposes of providing short term focused treatment to relieve pain or restore function.

Drugs and Dressings and Medical Aids

We will pay for the cost of drugs and dressings and medical aids prescribed by your medical practitioner on your medical document that will only be used for the treatment of a disease, illness or injury. In the case of Medical Aids, up to HUF 100,000.

Consultations with therapists & complementary therapists

We will pay for the costs of treatment provided by a registered therapist, such as an Occupational Therapist and Complementary Therapist (acupuncture, homeopathy, chiropractic treatment or osteopathy). We will not pay for sexual therapy.

Chronic conditions

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain, all outpatient care following the active treatment of malignant neoplastic diseases).

Speech therapy

We will pay for speech therapy in order to restore speech following an accident or for a condition (ie: stroke), under the recommendation of your specialist. We will not pay for developmental delay or language disorders.

Emergency Out-Patient treatment

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient, including specialists, laboratory and diagnostic examinations) up to the limits provided.

Psychiatric

We will pay for the consultation and associated costs for psychiatry, psychology or psychotherapy provided the overall treatment plan is under the referral of a practicing registered psychiatrist/ psychologist.

Cancer treatment

We will pay for fees specifically related to the examination of suspected tumors, active treatment of Cancer, including hospitalization for tumor removal, radiotherapy, chemotherapy and associated consultations, drugs and laboratory and diagnostic tests, but not included the control examinations after active treatment. Malignant neoplastic diseases are considered chronic conditions after active treatment.

Transplant Services

We will pay for the costs of any treatment directly related to the implantation of a replacement organ, including bone marrow transplants. We will also pay towards costs associated with transplant services as an out-patient related to a provided or forthcoming transplant, including for the avoidance of doubt anti-rejection medicines. We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

Advanced imaging

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Maternity Care

Maternity benefit is only available after 12 months of continuous cover. Cover includes hospital charges, obstetrician and midwife fees for normal childbirth, pre and postnatal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for terminations of pregnancy, other than miscarriage, ectopic pregnancy and stillbirth. We will pay for elective C-section and Childbirth at home. Restricted to cover in Hungary.

Childbirth Allowance

This benefit is only available after 12 months of continuous cover and only in the event of births occurring after prenatal care reimbursed under the insurance, during the coverage period. We will pay a lump sum childbirth allowance per child in case of your childbirth if you are not charged for your admission (ie: at a public hospital).

Complications of pregnancy

This benefit is only available after 12 months of continuous cover. We will pay for the costs of a Caesarian Section where medically necessary arising as a result of a complication, including conditions such as pre-eclampsia, threatened miscarriage, baby is in breech position or the life of the mother and/or baby is under threat.

Newborn care

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth in case the birth and the maternity care was covered by the insurance. Children can be added as a close relative onto their parent’s policy within 30 days of birth with no exclusions (subject to the congenital benefit wording).

Accidental dental

We will pay towards treatment of damaged teeth following an accident. We will not pay for the repair of dental implants, crowns or dentures nor orthodontic treatments.

Road Ambulance Services

We will pay for the costs of a medically necessary road ambulance to either transfer you to hospital following an accident or from home to the hospital and back or from one hospital to another.

Repatriation of Mortal Remains

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

International Emergency Medical Evacuation (subject to Our approval)

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need we will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/ country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to 16,250 HUF each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

Health Screening

We will pay towards an annual preventive health screening up to the sum insured above the age of 2. The list of the available preventive sreening elements can be found in the Meaning of Words section.

Baby Wellness

We will pay towards 4 health checks per year up until your child reaches the age of 2 and then the annual limits will apply.

Vaccinations

We pay towards medically necessary vaccinations and immunizations including travel vaccinations.

Preventive

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% copay for this. (ie: check-up, X-ray, scale and polish, mouth guard)

Routine and Restorative

We will pay towards costs of routine and restorative dental treatment and oral surgeries after you have been covered for 6 months on this option. 20% copay for this. (ie: fillings, root canal treatment, crowns/bridge, implant, anesthesia, orthodontic treatment, if it is required due to the jaw damaged during an accident)

Orthodontic

We will pay towards costs of orthodontic treatment up to the age of 18 after you have been covered for 2 years on this option. 50% copay for this. (ie: dental braces/retainers)