contractors international health plan · whether you are looking for just basic inpatient cover or...

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


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


CancerCounselling $2,000 $2,000 $2,000ArtificialHairBenefit $2,000 $2,000 $2,000EMERGENCYMEDICALEVACUATIONEmergencyMedicalEvacuation FullRefund FullRefund FullRefundSupplementaryExpenses Included Included IncludedEmergencyNon-Medical Evacuation


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


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)


BestDoctors (SecondOpinionService)


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.


About Bellwood Prestbury


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: [email protected]

How to apply for cover

Any questions

IfyouhaveanyquestionsaboutthecoveravailableundertheContractorsInternationalHealthPlanorwouldlikemoreinformation,pleasecontactBellwoodPrestbury’steamofadvisors.

Tel: +44(0)1242584558 Fax: +44(0)1242588688 email: [email protected] 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)

contractors international health plan · whether you are looking for just basic inpatient cover or...

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