| 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 |