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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)
