Table of Benefits

Below you will find the Table of Benefits for our GEH Plan.
Thereafter you will find optional Extensions over
and above our GEH Plan that you can select to enhance
our medical insurance planto best suit your personal needs.

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GEH PLAN	BENEFITS
Policy Limits & Coverage
Annual Limit	$500,000
Lifetime limit	$1,000,000
Newborn Child Limit (per child)	$50,000
Deductible/Excess	Nil
Medical & Hospital Benefits
Local Ambulance Services	Full refund
Single-bedded room, including meals	Full refund
Hospital medical facilities, treatment and services	Full refund
Physicians charges	Full refund
Diagnostic procedures including (CT, MRI and PET scans)	Full refund
Intensive care unit (when medically necessary)	Full refund
Parent accommodation for child under 16	Full refund
Day-care surgery	Full refund
Out-patient follow-up treatment (3 months following hospital discharge)	Full refund
Routine management of chronic conditions (per condition)	$10,000
Organ transplantation	Full refund
Home delivery	$1,500
Maternity Care and Childbirth (including pre-natal and post-natal care)	$5,000
Complications of maternity	Full refund
Care of unaccompanied children	Yes
Visit of relative or friend	Yes
Outpatient Treatment
Emergency Out-patient treatment	$500
Emergency dental treatment	$500
Travel assistance services
24 hour assistance centre	Yes
Pre-travel medical advice	Yes
Hotel reservation and guarantee	Yes
Air Ticket Reservation	Yes
Visa and Embassy Information	Yes
Out-of-area emergency treatment (USA, Canada, Caribbean)	45 days per annum
Medical Transfer Benefits
Emergency medical transfer / evacuation	Full refund
Elective medical transfer (Country choice for major surgery)	Full refund
Benefits following death
Repatriation of mortal remains	Full refund
Cremation and return of funeral urn to home country	$300
Local Burial	$1,000

Important Notes

All amounts shown are in US Dollars and apply per insured person per year of insurance, unless otherwise stated.

This table is a summary of the principal benefits available. Full details of the cover, terms, conditions and exclusions can be found in the Policy Document which is available on request.

The policy is underwritten by LAMP Insurance Company Limited, 260/262 Main Street, Gibraltar.

LAMP Insurance Company Limited is licensed by the Chief Executive of the Financial Services Commission under the Insurance Companies Ordinance.

OPTIONAL EXTENSIONS

Outpatient & Dental	Benefits
Outpatient Care
Overall limit	$6,000
Doctors fees & prescribed drugs	$3,500
Laboratory, x-ray, scanning, imagery services and physiotherapy	$2,000
Hire of equipment, medical aids & prostheses	$1,000
Routine health check	$300 (once every 3 years)
Optical care	$100
Complementary medicine: chiropractics, osteopathy, homeopathy, and Chinese traditional medicine (including herbal treatments, acupuncture and bone setting)	$1,000 ($50 per session)
Dental Care
Overall limit	$1,000
Dental Treatment	80% refund / 20% coinsurance
Dental Surgery	80% refund / 20% coinsurance
Dental Prosthesis	$250

Personal Accident Schedule of Benefits	Benefits
Death	100%
Death as a result of a motorcycle accident	50%
Permanent Total Disablement	100%
Total and Permanent Loss of Limbs
Two or more limbs	100%
One Limb	50%
Four fingers and thumb of one hand	50%
Four fingers of one hand	40%
One thumb	25%
One index finger	15%
Any one other finger	10%
All toes of one foot	15%
Big toe	8%
Any other toe	5%
Other Loss of faculties
Loss of sight - both eyes	100%
Loss of sight - one eye	50%
Loss of speech	50%
Loss of hearing - both ears	50%
Loss of hearing - one ear	20%
Benefits are expressed as a percentage of the sum insured (Maximum Benefit) in the Occupation Schedule

Personal Accident Class	Benefits
Class 1 Occupations involving clerical and office based occupations, domestic duties and students	$250,000
Class 2 Occupations involving light manual work, supervision, driving and travelling	$150,000
Class 3 Occupations involving manual work, the use of tools or high mileage driving	$100,000
Class 4 Occupations involving heavy manual work, the use of machinery or operating in hazardous locations	$100,000
Class 5 Occupations involving heavy manual work, the use of heavy industrial equipment, operating in very hazardous locations or in entertainment/ sports with a particular skill or talent	Refer to Global Expatriate Healthcare

Travel Insurance Standard	Benefits
General Limitation - insurance is limited to:
Where a single trip is no more than 31 days duration
Where multiple trips are less than 90 days in any one insured period
Travel Insurance Benefits
Cancellation or Curtailment	2,000.00
Unforeseen illness injury or death of you or travelling companion
Death/imminent death/serious injury of close relative
Unforeseen strike or industrial action
You or your travelling companion subpoenaed for jury service
UK Foreign Office advise not to travel to destination country
Travel Delay	200.00
Delays of 12 hours or more from scheduled departure time:
Unforeseen strike or industrial action
Adverse weather
Mechanical breakdown or accident of aircraft/vessel
Notes:
1). You area able to claim USD45.00 per 12 hour period of delay and USD65.00 should the delay include an overnight stay.
2). You are able to claim, either for travel delay or choose to abandon your trip and claim under Cancellation and Curtailment.
Loss of Baggage	1,500.00
Baggage lost, stolen or destroyed
Either payment or replacement (insurer's option)
Items under 12 months, new for old
Items over 12 months, value accounting for wear and tear
Maximum per article or "pair" USD 500.00
Maximum for jewellery and photographic USD 500.00
Notes:
1). USD 50.00 excess per claim
Baggage Delay (for purchase of essentials)
Outbound journey - baggage delayed in excess of 12 hours
Benefits claimed against receipts
Notes:
1). Any claim is refundable should the insured subsequently claim for total loss of baggage
Loss of Money/Passport
Loss of Money	300.00
Money lost/stolen/damaged/destroyed whilst on your person or in a safety deposit box
Under 16 years of age maximum reduced to USD 100.00
Loss of Passport	300.00
Passport stolen outside country of residence, reasonable expenses will be reimbursed to cover:
Additional Travel
Additional Accommodation
Notes:
1). Losses must be reported to Police/carrier within 24 hours of loss
2). USD50.00 excess (USD25.00 if under 16) applies
3). Foreign currency receipts required

Travel Insurance With Winter Sports	Benefits
General Limitation - insurance is limited to:
To a trip of no more than 21 days duration in any one insured period
Cancellation or Curtailment
Cancellation or Curtailment benefits as per the main travel policy apply (USD2,000.00)
Additional benefits for Winter Sports to cover unused ski-passes or Ski School Fees	300.00
Skis, Ski Equipment & Ski Pass	500.00
Damage/Loss/Theft of Skis/Ski Equipment - whilst in use or in transit
and resulting loss of use of ski pass
Notes:
1). Cover not valid for unattended equipment
2). See Policy for limitations
Baggage Delay - Skis & Ski equipment	250.00
Equipment lost/misplaced for over 12 hours on outbound trip
USD50.00 per day claimable for equipment hire
Notes:
1). Loss/delay in excess of 12 hours must be certified by carrier
2). See Policy for limitations
Piste closure	250.00
Insufficient snow at your pre-booked resort prevents you from ski-ing:
Cover will reimburse up to USD50.00 per day per insured to travel
to a similar area to ski or cash benefit if no other ski-ing available.