Customised cover for your buildings and contents
Providing household protection at excellent prices
For buy-to-let landlords of residential properties
Covering medical expenses for expats and locals
IPH health care plans offer exceptional cover at affordable rates. We believe in giving you the best medical care when you most need it.
IPH ADVANCE PLANS Policy features and benefits limit | A BRONZE £ | B SILVER £ | C GOLD £ |
Total Policy limit per person per policy year | £1,500,000 | £1,750,000 | £2,000,000 |
In-Patient Cover: | |||
Hospital Services: (medical treatment/services ordered by a physician) | +Full Refund | +Full Refund | +Full Refund |
Room and Board** | +Full Refund # | +Full Refund # | +Full Refund # |
Intensive Care Unit** | +Full Refund | +Full Refund | +Full Refund |
Day-Care Treatment | +Full Refund | +Full Refund | +Full Refund |
In-Patient Psychiatric Treatment | +Full Refund (Max 30 days) | +Full Refund (Max 30 days) | +Full Refund (Max 30 days) |
Parent Accommodation | +Full Refund | +Full Refund | +Full Refund |
External Prosthetic Devices | £2,000 | £3,000 | £4,000 |
Daily Cash Benefit for use of public hospital | £250 | £250 | £250 |
Out-Patient Cover: | |||
General & Specialist Out-Patient Services | - | +Full Refund* | +Full Refund* |
Pathology, Radiology and Diagnostic Tests | - | +Full Refund* | +Full Refund* |
Prescribed Drugs and Dressings | - | +Full Refund* | +Full Refund* |
Post Hospitalisation Treatment | £2,500 | +Full Refund* | +Full Refund* |
Acupuncture & Specialist Herbal Treatment | - | - | +Full Refund* |
Other Benefits: | |||
Cancer Treatment | + Full Refund (In-Patient only) | +Full Refund | +Full Refund |
Organ Transplant (heart, lung, kidney, liver or bone marrow) | £150,000 | £200,000 | £250,000 |
Emergency Medical Evacuation | +Full Refund | +Full Refund | +Full Refund |
• Accommodation Expenses for companion | £75 per day Max 15 days) | £100 per day (Max 15 days) | £125 per day (Max 15 days) |
Nursing at home - full refund up to | +4 Weeks | +8 Weeks | +26 Weeks |
Hospice & Palliative Care (lifetime limit) | £25,000 | £30,000 | £50,000 |
HIV & AIDS Treatment (Max 6 years) | £6,000 | £6,000 | £6,000 |
Local Ambulance Services | +Full Refund | +Full Refund | +Full Refund |
Complications of Childbirth | - | †£1,300 | See below |
Routine Maternity Care and Childbirth | - | - | †£4,000 |
Newborn Care | - | †£1,000 (first 14 days) | †£4,000 (first 14 days) |
Rehabilitation Treatment | £3,000 | £6,000 | £10,000 |
Medical Aids (wheelchairs, knee braces or crutches) | £500 | £750 | £1,000 |
Emergency Dental Treatment following accident | £2,000 | £3,000 | +Full Refund |
Accident & Emergency Department | +Full Refund | +Full Refund | +Full Refund |
Innocent Bystander in Terrorist Incident | £30,000 | £30,000 | £30,000 |
Compassionate Home Visit | +Full Refund | +Full Refund | +Full Refund |
Local Burial or Cremation | £7,500 | £10,000 | £12,500 |
Repatriation of Mortal Remains | £7,500 | £10,000 | £12,500 |
Permanent Total Disability | - | - | £10,000 |