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IHHP Health Plan | Benefits

The International Health and Hospital plan allows you the flexibility to pick and choose what benefits you require and what you do not. The Hospital plan is compulsory for all applicants and provides core benefits to all applicants. You then have the option to add various modules to your core hospital plan to build a health plan to suit your needs. The modules are explained in further detail below:

Hospital Plan: (Compulsory)

Reimbursements under the Hospital Plan are effected at 100% of the expenses, unless you have chosen a deductible. In this case, you will be reimbursed as soon as qualified expenses exceed the amount of the deductible. Reimbursements will not in any event exceed the following amounts or the overall annual maximum cover per person per policy year of EUR 1,650,000/GBP 1,350,000/USD 2,000,000.

Hospital Services Benefit
Hospitalisation 100%
Semi-private/private room 100%
Intensive care room 100%
Room and board for a parent accompanying an insured child 100%
Surgery 100%
Medical treatment, laboratory tests, X-rays 100%
Medicine while in hospital 100%
Pacemaker 100%
Psychiatric treatment 100%
Outpatient Treatment in a Hospital/ Clinic Benefit
Surgery 100%
Chemotherapy/ Radiotherapy 100%
Dialysis 100%
Endoscopic examinations 100%
Other outpatient treatment is reimbursed under Module 1 Non-Hospitalisation Benefits
Childbirth Euro GBP USD Euro GBP USD
  Hospital Plan Hospital Plan + Module 1
Normal delivery, complicated delivery and elective caesarean delivery, incl. pre- and postnatal treatment 100% 100% 100% 100% 100% 100%
Maximum per delivery 5,725 3,925 7,150 9,675 6,650 12,100
Medically prescribed caesarean, incl. pre- and postnatal treatment 100% 100% 100% 100% 100% 100%
Maximum per deliver 10,625 7,325 13,200 12,650 8,575 15,400
Delivery/caesarean following fertility treatment 100% 100% 100% 100% 100% 100%
Excluding pre- and postnatal treatment, max. 4,400 3,025 5,500 7,150 4,850 8,800
The above maximum rates for maternity shall be reduced by the deductible chosen
Childbirth/ Home Delivery Euro GBP USD
Doctor/specialist, midwife 145 100 165
Home nursing in connection with home delivery 435 300 490
Pre- and postnatal examinations are reimbursed under Module 1 Non-Hospitalisation Benefits
Organ Transplant Euro GBP USD
Organ Transplant 100% 100% 100%
Per diagnosis and course of treatment all included, max. Only human organs. The procurement of the organ must be pre-approved by the Company 450k 315k 500k
Emergency Room Treatment Euro GBP USD
Emergency room treatment in connection with acute illness or accident 100% 100% 100%
Local Transport by Ambulance Euro GBP USD
Medically prescribed transport to and from hospital 100% 100% 100%
Per policy year maximum 1,500 1,000 1,600
Rehabilitation Euro GBP USD
Medically prescribed rehabilitation in connection with treatment at an authorised rehabilitation centre 100% 100% 100%
Max. per day for max. 3 months per illness 330 220 355
Home Nursing Euro GBP USD
For expenses incurred for medically prescribed assistance in your private home by a certified nurse 100% 100% 100%
Max. per day for max. 40 days per policy year 130 84 135
Hospital Cash Benefit Euro GBP USD
If room, board and treatment are received free of charge, per night max. 90 60 100
Max. 60 nights per policy year (must be pre-approved by the Company)
Emergency Dental Treatment Euro GBP USD
Acute emergency dental treatment due to serious accident requiring hospitalisation 100% 100% 100%
In case of doubt, the decision will be left with the Company's dental consultant
Online Services
Manage your policy online, e.g. online payments, status on recent claims
General health advice and second opinions from IHI’s medical consultants
Access to a range of health related information
and much more...

Module 1: Non-hospitalisation Benefits

Reimbursements under this supplementary module are effected at 100% of the expenses, unless you have chosen a deductible. In this case you will be reimbursed as soon as qualified expenses exceed the amount of the deductible.

Reimbursements will not in any event exceed the following amounts or the annual maximum limit of EUR 35,000/GBP 25,000/USD 35,000.

General Practitioner and Specialists Euro GBP USD
GP consultations, per consultation 125 100 135

Chinese doctor consultation (if charged separately), per consultation
Max. EUR 300/GBP 220/USD 300 per policy year

30 22 30
Eye and ear specialists/other specialists, per consultation 125 100 135
Psychiatrists, per consultation 125 80 130
Expenses are reimbursed for a max. of 15 consultations within a 30-day period
Therapists Euro GBP USD

Dietetic guidance, speech therapy per consultation
Max. 4 consultations per policy year

50 40 50
Physiotherapy, ergotherapy per consultation 85 65 85
Max. per policy year 1,050 700 1,200
Chiropractor/osteopath all inclusive, per consultation 65 50 65
Max. per policy year 1,050 700 1,200
Medical Check-up Euro GBP USD
All Inclusive Check-up, per year 450 400 500
Examinations and other Medical Assistance Euro GBP USD
Laboratory test, analysis, Max. per day 450 305 500
X-ray 450 305 500
ECG 450 305 500
Scan and endoscopic examinations, per examination 850 650 1,000
Injection and vaccination 85 65 100
Acupuncture and homeopathic treatment, performed by a physician. Acupuncture and homeopathic treatment shall only be covered when performed by a physician/doctor authorised in the country of practice 55 35 60

Module 2: Medicine & Appliances

Reimbursements under this module are according to the list below. If you have chosen a deductible, you will be reimbursed when qualified expenses exceed the deductible.

Hearing Aids Euro GBP USD
Hearing Aids 50% 50% 50%
Prescribed hearing aids, per appliance, max. 300 200 325
Max. 2 appliances are reimbursed per policy year up to max. 600 400 650
Other Appliances Euro GBP USD
Slings and Bandages 100% 100% 100%
Arch Support 100% 100% 100%
Rental of Medical Appliances 100% 100% 100%
Medicine Euro GBP USD

Prescribed medicine and traditional Chinese medicine. Traditional Chinese medicine administered by a traditional Chinese practitioner up to 10 sessions per policy year, up to an annual max. of EUR 250 / GBP 175 / USD 300
Limited to recognised traditional Chinese practitioners registered to practice locally

100% 100% 100%
Medicine and other appliances are reimbursed up to an annual max. 2,700 1,800 3,000
There is no reimbursement for homeopathic or naturopathic medicines and medicine which could have been purchased without a physician’s prescription.

Module 3: Medical Evacuation & Repatriation

Medical Evacuation & Repatriation covers transportation to a qualified place of treatment if you have a serious illness or injury.

Medical Evacuation and Repatriation Benefit
Transportation expenses by aeroplane or helicopter 100%
Accompanying person 100%
Return journey to residential address abroad/home country within 3 months after completion of treatment 100%
Statutory arrangements in case of death, such as embalming and zinc coffin Transportation of the urn/coffin 100%
Expenses are covered up to the overall annual insurance sum of your policy
In all circumstances, we must be notified before the transport takes place, either directly or through the attending physician Medical Evacuation & Repatriation must be pre-approved by the Company

Module 4A & 4B: Dental & Optical

Reimbursements under these two modules are effected at 50-80%, but they will not in any event exceed the following amounts or the respective annual maximums of Module 4A: EUR 5,000/GBP 3,500/USD 5,000 and Module 4B: EUR 7,500/GBP 5,000/USD 7,500.

Routine Dental Treatment Euro GBP USD Euro GBP USD
 
Module 4a
Module 4b
Dental Treatment 80% 80% 80% 80% 80% 80%
Examinations, max. 20 15 20 40 30 40
Tooth cleaning, max. 40 25 40 60 35 60
Fillings per tooth, max. 60 40 60 110 65 110
Root treatment per tooth, max. 70 45 70 140 96 140
Tooth extractions per tooth, max. 40 20 40 100 60 100
Surgery, max. 73 50 81 174 120 195
X-ray, max. 40 20 40 50 35 50
Anesthesia, max. 15 10 15 20 15 20
Special Dental Treatment Euro GBP USD Euro GBP USD
 
Module 4a
Module 4b

Bridgework
Crowns
Periodontitis
Orthodontics (tooth adjustment)
Dentures

50% 50% 50% 50% 50% 50%
Special dental treatment per policy year, max. 2,000 1,500 2,000 3,000 2,250 3,000
Glasses and Contact Lenses Euro GBP USD Euro GBP USD
 
Module 4a
Module 4b
Total Coverage 80% 80% 80% 80% 80% 80%
One pair of glasses (excl. frames) per policy year, max. 160 100 160 220 150 220
Contact lenses, per policy year, max. 100 60 100 130 80 130
Contact lenses, per policy year, max.

Deductible Options

You can choose to take out your insurance: With or without a deductible.

The deductibles available are:

USD:
0, 400, 1,600, 5,000, 10,000 and 20,000
EUR:
0, 350, 1,050, 4,000, 8,000 and 16,000
GBP:
0, 250, 750, 2,750, 5,500 and 11,000

Denominated in US Dollars, Euros or Pounds Sterling.

The chosen currency is binding, meaning that you cannot switch currency.


The IHHP Health Plan provides worldwide international health insurance benefits.