contractors international health plan · whether you are looking for just basic inpatient cover or...
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Contractors International Health Plan
Contractors International Health Plan
Exclusive, affordable
Whether you are looking for just basic inpatient cover or something more comprehensive, our range of plans offers you a choice.
• Comprehensive,affordablemedicalinsurancedesignedforContractors
• Choosefromthreelevelsofcover–Bronze,SilverorGold
• Selectfromeither3,6,9or12months’cover
• AvailableinGBP,USD,EUR
• EmergencyMedicalEvacuation,Second OpinionService,CompassionateTravelandCrisisManagementAssistancecoverincluded asstandard
• GlobalEmergencyBloodTransfusionService
Whichever plan you choose, we’ll be on hand to help guide you through the process of finding the right specialist and the very best medical facilities available, no matter where in the world you may be.
BRONZE PLAN -includeshospitalaccommodationandtreatment,HIV/AIDSbenefit,emergencymedicalevacuationcostsandout-of-areacover.
SILVER PLAN-includeshospitalaccommodationandtreatment,outpatientspecialistservices,generalpractitionerfees,prescriptiondrugs,cancercare,HIV/AIDSbenefit,emergencymedicalevacuationcostsandout-of-areacover.
GOLD PLAN-includeshospitalaccommodationandtreatment,outpatientspecialistservices,generalpractitionerfees,prescriptiondrugs,cancercare,dentaltreatment,maternitycare,well-being,HIV/AIDSbenefit,emergencymedicalevacuationcostsandout-of-areacover.
As a contractor, finding good quality, affordable health insurance can be difficult at the best of times particularly when you are moving from one place to another at a moment’s notice.
international medical insurance for contractors
Contractors International Health PlanContractors International Health Plan
Summary of coverBRONZE SILVER GOLD
AnnualMaximum $2,000,000 $2,000,000 $2,000,000INPATIENT TREATMENT BENEFITSHospitalServices FullRefund FullRefund FullRefundHospitalCashBenefit(pernight) $500(max30days) $500(max30days) $500(max30days)ParentalAccommodation FullRefund FullRefund FullRefundDaycareTreatment FullRefund FullRefund FullRefundInpatientPsychiatricTreatment FullRefund(max30days) FullRefund(max30days) FullRefund(max30days)ReconstructiveSurgery FullRefund FullRefund FullRefundAccidentandEmergencyRoomTreatment
FullRefund FullRefund FullRefund
Organ,BoneMarrowTransplant&StemCellTreatment
$200,000 $200,000 $200,000
InternalProstheses,MedicalAids&Devices
FullRefund FullRefund FullRefund
HospiceCare FullRefund(max15days) FullRefund(max15days) FullRefund(max15days)LocalRoadAmbulanceServices FullRefund FullRefund FullRefundPOSTTREATMENTBENEFITSPostHospitalTreatment $1,000 CoveredUnder
OutpatientServicesCoveredUnder
OutpatientServicesRehabilitationCare $200,000LifetimeLimit $200,000LifetimeLimit $200,000LifetimeLimitExternalProstheses,MedicalAids&Devices
$500 $1,000 $1,500
CANCERTREATMENTOncology,ChemotherapyandRadiotherapy
FullRefund FullRefund FullRefund
CancerCounselling $2,000 $2,000 $2,000ArtificialHairBenefit $2,000 $2,000 $2,000EMERGENCYMEDICALEVACUATIONEmergencyMedicalEvacuation FullRefund FullRefund FullRefundSupplementaryExpenses Included Included IncludedEmergencyNon-Medical Evacuation
FullRefund FullRefund FullRefund
CompassionateHomeTravel ReturnEconomy AirTicket
ReturnEconomy AirTicket
ReturnEconomy AirTicket
RepatriationorLocalBurial $15,000 $15,000 $15,000
BRONZE SILVER GOLD
OUTPATIENT TREATMENT BENEFITSMRI,CT.PETScans FullRefund FullRefund FullRefundHormoneReplacementTherapy FullRefund FullRefund FullRefundOutpatient Services:GeneralPhysicianFeesSpecialistandConsultantFeesPrescriptionDrugsandDressingsX-Rays,DiagnosticandPathology
FullRefund FullRefund
Physiotherapy (upto20sessions)
FullRefund FullRefund
ComplementaryTherapies FullRefund FullRefundOutpatientPsychiatric Treatment
$1,500 (20%co-insurance)
NursingatHome(to26weeks) FullRefund FullRefund FullRefundDENTAL CARE BENEFITSDentalTreatmentFollowinganAccident
FullRefund FullRefund FullRefund
RoutineDentalTreatment $1,000(20%co-insurance)MATERNITY CARE BENEFITSNormalPregnancy andChildbirth
$10,000PerPregnancy
ComplicatedPregnancy andChildbirth
$20,000
NewbornCare $10,000 $10,000 $10,000WELLBEING BENEFITSRoutineHealthScreening $600VaccinationBenefit $400 $400 $400ADDITIONAL BENEFITSHIV/AIDSBenefit $20,000LifetimeLimit $20,000LifetimeLimit $20,000LifetimeLimitChronicConditionTreatment CoveredWithin
ListedBenefitsCoveredWithin ListedBenefits
CoveredWithin ListedBenefits
Out-of-AreaCover $40,000(max60days) $60,000(max60days) $80,000(max60days)ADDITIONAL SERVICESRed24 (Non-medicalCrisisAssistance)
Included Included Included
BloodcareFoundation (BloodTransfusion)
Included Included Included
BestDoctors (SecondOpinionService)
Included Included Included
Thescheduleofbenefitsisabriefoutlineoftheplanbenefits.Allaresubjecttothedefinitions,conditions,limitations,exclusionsandprovisionsoftheplan.Acopyofthepolicywordingisavailableatbellwoodprestbury.com/pmicontractors
Contractors International Health PlanContractors International Health Plan
Red24 is a crisis management assistance company which supports individuals and businesses to minimise risks in the event of a crisis.
AsabenefitofyourContractorsInternationalHealthPlan,youwillbeprovidedwithaccesstoRed24’swebportalprovidingdetailsofcountry-specificriskinformation.
Youwillbeabletoaccesstravelsafetytipsandadviceand up-to-the-minuteinformation oncivilunrest,naturalhazardsandtraveldisruptionsforhundredsofcountriesand citiesworldwide.
Red24’scrisissupportteamsareonhand24/7onaglobalbasistocoordinateactivitiesshouldyouneedtousetheEmergency Non-MedicalEvacuationbenefit.
Best Doctors is an independent organisation that exists to supplement the healthcare options available to patients around the clock and around the world.
Ifyoureceiveanuncertaindiagnosisorrequireasecondmedicalopiniononaproposedtreatmentplan,youcanaccesstheserviceofBestDoctors.Theywillbeabletoarrangeareviewofyourmedicaldiagnosisandtreatmentplanwithaworldclassspecialistinafieldthatrelatestoyourspecificmedicalcondition.
Founded in the UK in 1991, the Blood Care Foundation is a charitable, not-for-profit organisation that can provide properly screened blood in an emergency.
Shouldyoubebadlyinjuredorrequireabloodtransfusion,theFoundationhasaccesstoaglobalnetworkofbloodbanks,enablingittoprovidebloodtoalmostanylocationintheworldwithin12-18hours,subjecttotheavailabilityofscheduledairservices.
Our Contractors International Health Plans go beyond the basic definition of health insurance with access to Red24’s crisis management assistance service, second medical opinion services and free membership of the Blood Care Foundation should an emergency blood transfusion be necessary.
Other Key Plan Benefits
About this planThe Contractors International Health Plan is a product of Bellwood Prestbury Ltd. The plan has been created in partnership with APRIL International UK.
AprilInternationalUKLimitedisanAppointedRepresentativeofAPRILMedibrokerLimitedwhichisauthorisedandregulatedbytheFinancialConductAuthority.RegisteredOffice:MinsterHouse,42MincingLane,London,EC3R7AE,UnitedKingdom.RegisteredinEnglandNo.7261287.
Thisproductisdesigned,administeredanddistributedbyAPRILInternationalUKandinsuredbyeitherCatlinInsuranceCompany(UK)Ltd.orCatlinUnderwritingAgenciesLimited.TheservicesaredesignedanddistributedbyAPRILInternationalUK.
What isn’t covered?Whilst the cover benefits provided under each plan are extensive, there are a few items that are not covered:• Pre-existingmedicalconditions–anycondition
thatyoucanreasonablybeexpectedtoknowaboutpriortothedateonwhichyourcovercommences
• Treatmentthatisnotmedicallynecessary• Experimentaltreatment• Injurysustainedwhilstparticipatinginorganized,
professionaland/oramateursports• Cosmeticsurgery• Treatment,purchaseandfittingoffalseteeth• Injurysustainedwhilstundertheinfluenceof
alcoholordrugs• Congenitalabnormalities• Selfinflictedinjuries• Sexuallytransmitteddiseases• Servicesofaconvalescenthome,ahospiceand
healthcareathome.Forafulllistofthepolicyexclusions,refertotheplanpolicywordingwhichisavailableatbellwoodprestbury.com/pmicontractors
Bellwood Prestbury are leading global insurance specialists, arranging high-risk and complex cover for individuals, companies and organisations throughout the world. From oil and gas contractors in Iraq to humanitarian workers providing vital support in Africa, Bellwood Prestbury offer independent, affordable and tailored solutions to businesses and individuals located in most parts of the world by sourcing the right balance between premiums and benefit protection.
BellwoodPrestburyareauthorisedandregulatedbytheFinancialConductAuthority(FCA)theregulatorybodyoverseeingUKfinancialservicesfirms.
BellwoodPrestburyarealsomembersofBritishExpertise,theleadingUKorganisationforBritishcompaniesofferingprofessionalservicesinternationally,andmembersofotherspecialistindustrybodies.BellwoodPrestburyareaccreditedbytheBritishAssessmentBureautoISO9001.
Contractors International Health Plan
About Bellwood Prestbury
Contractors International Health Plan
When you have decided what cover is suitable for you, simply complete an application form and forward it to us either by e-mail, fax or post along with your payment instructions.
Weaskyoutogiveonlybasicinformationaboutyourselfandanymembersofyourfamilyyouwishtoinsure;wewillnotaskyoutogivedetailsofyourmedicalhistory.
Yournewpolicywillnotcovertreatmentforanymedicalconditionwhichexistedpriortothestartofcover.Thisrelatesnotonlytothoseconditionsforwhichyouhadalreadyreceivedafirmdiagnosisbutalsototreatmentofanymedicalconditionforwhichyouactuallyhadsymptoms,eventhoughnodiagnosishadbeenattachedtothosesymptoms.Allthatmattersisthatyouknow,oroughtreasonablytohaveknown,thatsomethingwaswrongevenifyouhadnotconsultedadoctor.
However,afteratwo-yearperiodofcontinuouscoverhaselapsed,covermaybeavailableforthosepre-existingmedicalconditionswhichwereexcludedatthestartofyournewpolicy.Thiswillbesubjecttothewrittenagreementoftheplanunderwriterandonthebasisthatyouhavenothadanymedicaltreatmentoranymedicaladvice,ortakenanydrugsormedicine,orfollowedanyspecialdiets.
Calluson: +44 (0)1242 584 558 oremail: info@bellwoodprestbury.com
How to apply for cover
Any questions
IfyouhaveanyquestionsaboutthecoveravailableundertheContractorsInternationalHealthPlanorwouldlikemoreinformation,pleasecontactBellwoodPrestbury’steamofadvisors.
Tel: +44(0)1242584558 Fax: +44(0)1242588688 email: info@bellwoodprestbury.com Web: bellwoodprestbury.com/pmicontractors
Bellwood Prestbury Limited4ImperialSquare,Cheltenham,GL501QB,UnitedKingdom+44 (0) 1242 584 558 bellwoodprestbury.com
BellwoodPrestburyisthetradingstyleofBellwoodPrestburyLimited.4ImperialSquare,Cheltenham,GL501QB. RegisteredinEnglandandWaleswithCompanyNumber1100251.
BellwoodPrestburyLimitedareauthorisedandregulatedintheUnitedKingdombytheFinancialConductAuthority. V1.0(08/2016)
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