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 YOUR HEALTH ABOVE ALL | INTERNATIONAL HEALTH & HOSPITAL Plan 2006
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OVERVIEW OF INSURANCE PLANS
MORE BENEFITS, FEWER EXCLUSIONSIHI is a part of the worldwide health and care organisation BUPA (British United Provident Association), which was established in 1947 and reported reserves of USD 2,6 billion in their accounts for 2004. 250,000 private and corporate clients in over 190 countries rely on IHI. For more than 30 years, we have built up a global network of business partners, local offices and wellrespected medical consultants.
As a Danish company, we are regulated by the strict standards set by the Danish Insurance Contracts Act and the European supervisory authorities.
In all, IHI is a company you can trust.- Worldwide cover with complete freedom of choice concerning specialists, hospitals, etc.
- 24-hour Emergency Service
- Full cover regardless of your job, leisure interests or sports activities
- Access to IHI’s highly qualified medical consultants for advice or second opinions
- Preventative health services
- Access to IHI’s unique health programme, including our bonus programme
- Access to a broad range of online services, e.g. the possibility of managing your policy via internet
- Guaranteed renewal of the policy for life regardless of your age and state of health
- Even accidents resulting from Terrorist acts are covered.
 Your cover options
The Hospital Plan is the fundamental cover providing comprehensive inpatient cover, and it can be taken out on its own or you can choose to add one or more of the following modules: You can choose to take out your insurance: In the Reimbursement List, you can see in detail which benefits are covered under the different modules and how they can be combined to give you exactly the cover you want.
Module 1 – Non-Hospitalisation Benefits covers outpatient treatment such as general practitioners, specialists and other medical assistance 100% up to specific maximum amounts. The overall annual maximum for module 1 is EUR 35,000. Module 2 – Medicine & Appliances are covered up to EUR 1,800 per year. Hearing aids are covered 50% with specific maximum limits. Other appliances and medicine are covered 100% up to the yearly maximum. Module 3 – Medical Evacuation & Repatriation covers transportation to a qualified place of treatment if you have a serious illness or injury. For instance, we will cover expenses for transportation by aeroplane or helicopter. The insurance also covers expenses for an accompanying person. Module 4A & 4B – Dental & Optical Cover gives you the right to reimbursement of dental treatment, glasses and contact lenses. Routine dental treatment is covered 80% with maximum amounts. Special dental treatment is covered 50% up to an annual maximum. Glasses and contact lenses are covered 80% with specific maximum limits. The annual insurance sum for module 4A is EUR 5,000 and for module 4B EUR 7,500. Supplementary InsuranceIHI Critical Illness provides you with a cash sum if you are diagnosed with, or undergo surgery for a major critical illness, such as heart attack or cancer. The cash sum can be used for any purpose; e.g. supplement any loss of income while you recover, or finance any changes you may need to make to your home or car following the accident/illness. The Policy Conditions for the IHI Critical Illness, IHI Personal Accident and IHI Travel supplements are described in separate brochures.
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