Expatriate Healthcare - Private Medical Insurance Broker

EXPATRIATE
HEALTHCARE

Private Medical Insurance Brokers : expatriate healthcare specialists

Welcome to Premier Healthcare Management. We offer a range of healthcare services for individuals and businesses.

Private medical insurance will ensure that your family, lifestyle and income are not affected should you be unfortunate enough to become seriously ill or be involved in an accident necessitating a lengthy recovery period.

Our protection and medical expenses plans will safeguard the health of your employees and your company - from dental benefits and medical expenses cash plans to annual travel insurance and death in service, we can arrange cover promptly. Call us on 0800 7833311.

Please see our 'Buyers Guide' section for details of the plans we offer. Our 'FAQs' page contains a great deal of useful information, giving an introduction to private medical insurance as well as links to industry bodies which you might find informative and helpful.

THIS MONTH'S SPECIAL PROMOTION - 'NHS Plus'

reassuring... your family's healthcare in our safe hands... private medical insurance for less than £6.00 a week

What is covered by NHS Plus?

If treatment is provided as an NHS patient
Charges for an amenity room (if an amenity room is not available we will pay you £75 each night that you are an in-patient in an NHS hospital for a maximum of 30 nights per person per year)	Full refund

Private in patient treatment charges if treatment is not available on the NHS within six months of a specialist deciding that it is necessary
(a) Hospital charges	Full refund
(b) Surgeons' anaesthetists' and physicians' fees	Full refund
(c) Oncology, radiotherapy and chemotherapy	Full refund

Prescription charges
(maximum 2 prescriptions per person per benefit period)

£6 per paid prescription

Dental Treatment
Emergency treatment necessary as a result of accidental external impact

£250

Holiday Recuperation Benefit	£250 in Thomson's Holiday vouchers
Payable following an in-patient stay of two or more consecutive nights Holiday vouchers can be collected and redeemed (to differing maximum values depending on the Thomson brochure chosen) when at least two adults travel. All holidays must be booked with Landaround travel Ltd (ABTA D6018)

Maternity benefit	£50 in Mothercare Gift Vouchers
Payable on the birth of one or more children after the first 12 months of cover

Income benefit	£100 per week for up to 4 weeks
Following a fracture, dislocation or an in-patient hospital stay of two or more consecutive nights

Disablement Benefit (a) Loss of one or more hands or feet, or loss of sight in one or more eyes	£12,500
(b) Loss of hearing in both ears Only one claim under benefits (a) and (b) above is payable per policy for any incidents occuring in any one benefit period	£12,500

Terminal Illness Benefit

£10,000

How much will this cost?
All this is available to you and your family for the equivalent of less than £6.00 per week. The monthly premiums are :- single person premium £9.95 single parent premium £14.92
premium per couple £19.39 family cover £24.37 (2 adults & children)

THIS MONTH'S SPECIAL PROMOTION - 'Living Care'

fact ... A person is nearly three times more likely to suffer long term illness or disability than to die before the age of 65.

fact ... 1.4 million people in the UK suffer from angina and each year more than 275,000 have a heart attack.

fact ... More than 33,000 people are seriously injured each year in road accidents in Britain.

Disability... Crippling Illness... Horrific Accidents

They all happen to someone else - at least that's what we'd like to think.

Although an increasing number of people survive serious accidents and tragic conditions such as cancer, strokes and heart attacks, these often lead to long term disability whch can prevent you from performing daily tasks that you had always taken for granted. You would therefore have a real need for a regular income to help finance the cost of care -

Living Care is designed to cover what you might need in the future.

The plain facts are that disability, crippling illness or a horrific accident could happen to each and every one of us any time in our lives. You can't beat the odds, but with a Living Care policy you can beat the devastation of their impact.

The level of benefit you will be entitled to will be based on your mental impairment and ability to perform ADLs (Activities of Daily Living).

The definitions of ADLs and Mental Impairment are :

Mobility - the ablity to move indoors from room to room on level surfaces or from bed to an upright chair and vice versa with or without the aid of a stick, crutch or walking frame, but without requiring the help of another person.

Personal Care - the ability to wash oneself in a bath or shower and to get into and out of a bath or shower or to use the toilet to ensure a reasonable degree of personal hygiene, without the help of another person.

Dressing - the ability to put on, take off secure and unfasten all everyday garments without requiring the help of another person. the inability to fasten stockings, lace shoes or tie a tie will not constitute a failure of this activity.

Feeding - the ability to eat and drink without requiring the help of another, the food having been cooked and prepared by another person.

Mental Impairment - the deterioration in or loss of mental capacity which results in the need for continual care or supervision, and :-

• results from organic cause: and • is shown by deterioration of the insured's short and long term memory, knowing who and where they are, the identity of others, an awareness of time and the ablity to solve simple problems and make rational decisions.

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