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SECTION 4

EMERGENCY MEDICAL EXPENSES

Covered

You are covered up to [click here] for costs incurred outside your country of residence for:

1. emergency medical treatment (including necessary physiotherapy but only when authorised by the Assistance Service);
2. emergency dental treatment (for pain relief only), limited to £200;
3. reasonable and necessary additional accommodation (bed and breakfast only) and travelling expenses (on the same basis as your original booking). This includes those of one relative or travel companion if you have to be accompanied home on medical advice or on compassionate grounds or if you are a child and require an escort home (in the event that they have applied for and received written authorisation from the Assistance Service);
4. in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £1,000.
5. if pregnancy is known and declared at policy application, agreed by us on the schedule and additional premium paid if required, then this policy will cover you for complications of pregnancy occurring prior to the six months, provided you are under 35 years of age and between 8 and 20 weeks pregnant and you have not had any complications in any previous pregnancy.

Conditions

1. You must contact the Assistance Service immediately should you be admitted to hospital or require on-going out-patient treatment overseas.
2. All treatment or expenses must be authorised by the Assistance Service.
3. You must maintain contact with the Assistance Service until your return to your country of residence or until you no longer require treatment or assistance.
4. If you are travelling to a country in the European Union, you must take with you a completed form E111.
5. If you require medical treatment in Australia, you must register with Medicare via their local office. (Any treatment not available under Medicare must be authorised by the Assistance Service).

24 hour Assistance Service
Telephone Number: +44 (0) 1243 817788

Not Covered

1. the policy excess of £50;
2. any medical or dental treatment costs incurred in the United Kingdom or your country of residence;
3. any transport or accommodation costs incurred in the United Kingdom or your country of residence, unless authorised by the Assistance Service;
4. any costs covered under a reciprocal health arrangement (e.g. E111 within EU countries, reciprocal cover in Austria, Channel Islands, Eire and New Zealand, Medicare in Australia);
5. any costs recoverable from another source; (e.g. where another insurance may cover the same loss);
6. medical costs relating to pregnancy, other than complications of pregnancy occurring prior to the sixth month if pregnancy occurred after this policy was issued or the date the trip was booked (whichever is later) and you have not had complications with any previous pregnancy;
7. any claim where at the time this policy was issued, the person whose condition gives rise to the claim is an in-patient (or awaiting admission or booked to be admitted to a hospital, hospice or nursing home);
8. any claim where at the departure date, you or your travel companion are travelling against the advice of a medical practitioner or travelling for the purposes of obtaining medical treatment;
9. any claim arising directly or indirectly as a result of a medical condition which has been suffered by you or for which medication, advice or treatment has been given to you in the last 12 months prior to the date this policy was issued or the date the trip was booked (whichever is later), unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
10. any costs for in-patient treatment, on-going out-patient treatment or curtailment of a trip on medical grounds without prior authorisation from the Assistance Service;
11. any costs for surgery or medical treatment which, in the opinion of the Assistance Service, can reasonably be delayed until your return to your country of residence;
12. any costs for medication and/or treatment which, at the time of departure, is known to be required or continued outside your country of residence;
13. the cost of any routine or elective (non-emergency) care or treatment, including specialist review or referral, investigations, treatment or surgery;
14. claims that are not confirmed as medically necessary by the Assistance Service;
15. additional hospital costs arising from single or private room accommodation, unless medically necessary;
16. further costs you incur if we wish to bring you home early but you refuse (where in the opinion of the treating doctor and the Assistance Service you are fit to travel);
17. travelling on motorcycles over 125cc (unless an endorsement has been issued by us);
18. anything listed in "Exclusions applicable to the whole policy".