My Cover
The Resident Health Plan offers you a choice of 2 levels of cover with benefits for in-patient, day-patient and out-patient treatment. It is designed to offer cover for those living in Spain or Portugal to cover treatment in their country of residence. Level 2 also offers limited cover for treatment in the UK. Premiums and benefits are in euro.
The payment of all benefits, including when expressed as paid in full, must be eligible and necessarily incurred and benefit will be paid in accordance with those fees deemed by the Society to be customary and reasonable for the treatment received. Full terms and conditions are available in the Resident Health Plan Policy Document.
| Benefits 2012 Overall Annual Maximum Benefit | Level 2
| Level 1
Subject to |
|---|---|---|
| In-Patient & Day-Patient – Apply per person, per year | ||
| Hospital charges - Includes accommodation, nursing, theatre fees and diagnostic fees whilst you are an in-patient or day-patient. | Paid in Full | €36,750 per year |
| Specialist Services - Surgeon’s, anaesthetist’s and physician’s for in-patient and day-patient treatment. | Paid in Full | €36,750 per year |
| Pre-Admission Tests - If carried out in the 2 weeks prior to your admission. | Paid in Full | €36,750 per year |
| Out-Patient Benefits – Apply per person, per year | ||
| Out-Patient Services – Specialist consultations including follow-ups, minor surgery, diagnostic tests, x-rays and scans. | €3,100 per year |
€1,850 per year |
| Complementary treatment – such as physiotherapy, osteopathy, and chiropractic treatment. | €300 per year |
No benefit available |
| Additional Benefits – Apply per person, per year | ||
| Oncology - For radiotherapy, chemotherapy and certain non-surgical cancer therapies under the management of, and including the fees of, an oncologist. Cancer surgery is paid out of the In-Patient and Day-Patient benefits. | €92,000 per year |
€36,750 per year |
| Home Nursing - For medical as opposed to domestic reasons. | €300 | No benefit available |
| Private Ambulance - To, from or between hospitals in connection with eligible in-patient or day-patient treatment. | €300 | No benefit available |
| Primary Care – For home and surgery visits excluding drugs and dressings. | €185 | €90 |
| UK Cover – Payable for treatment in the UK. Treatment costs incurred will count towards the individual benefit limits, where applicable. | €30,600 per year |
No benefit available |
Resident Health Plan
A private medical insurance plan designed for expatriates living in Spain or Portugal. Benefit from quick, quality treatment abroad from an insurer you can trust.
Income Protection
If you're an employee and unable to work due to illness or injury, the maximum statutory sick pay you would receive is £81.60 per week for the first 28 weeks (Source: HMRC 2011). Would this pay the bills?
Having income protection means not having this worry. It means reassurance that if you are ill or injured and cannot work, you can still protect your family.
Health Insurer
There's nothing more important in life than your health. Having private medical insurance means that if you need medical treatment you will be looked after quickly with a greater choice of quality hospital facilities.
Less worry about waiting times, less worry about catching a hospital acquired infection, and more peace of mind that if the unexpected happens you will be treated in the best possible way.
Euro Health Insurance
Living abroad is many people's dream. Sun, sea, sand and cocktails by the beach. But living abroad isn't all worry free, particularly when it comes to looking after your health.
Finding and paying for quality treatment can be a real challenge, the last thing you need when you're feeling unwell. That's why private medical insurance designed especially for expats is so valuable. Peace of mind that you are protected.
Exeter Family Friendly is a trading name of Exeter Friendly Society Limited, which is authorised and regulated by the Financial Services Authority (Register number 205309) and is incorporated under the Friendly Societies Act 1992 Register No. 91F registered office at Lakeside House, Emperor Way, Exeter, England EX1 3FD.