You can download more detailed information here:
Digital Claim Form (fillable) [PDF, 42KB]
IPH ADVANCE PLANSPolicy 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 dayMax 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 |