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Worldwide Medical Insurance - basic cover (no deductibles / no US cover)
Worldwide Medical Insurance + Worldwide Medical Plus (no deductibles / no US cover)
Cover ... in detail.
Worldwide Health Options (Castellano)
CONTENTS
( Our service / What happens if you need treatment? / Treatment in the USA / How to claim ( How your claim is processed Direct settlement Pay and claim ) / How you will be paid ( Which currency will you be paid in? / How much will you be paid? / Discretionary payments / Treatment after an accident ) )
Worldwide Medical Insurance ( What is covered? / Staying in hospital overnight or as a day-case ( Note 0.0 )/ Parent accommodation ( Note 0.1 ) / Nursing care (Note 0.2 ) / Operating room, medicines and surgical dressings (Note 0.3) / Intensive care. Intensive therapy, coronary care and high dependency unit (Note 0.4)/ Surgery, including surgeons', anaesthetists' and assistants' fees (Note 0.5 ) / Specialists' consultation fees (Note 0.6)/ Pathology. X-rays, diagnostic tests and therapies (Note 0.7)/ Rehabilitation (Note 0.8)/ Advanced imaging (Note 0.9) / Psychiatric treatment overnight in hospital, including room, board and treatment costs (Note 0.10) / Psychiatric treatment as a day-case, including room, board and treatment costs (Note 0.10) / Prosthetic implants and appliances (Note 0.11)/ Prosthetic devices (Note 0.11) / Childbirth and treatment in hospital (Note 0.12) / Childbirth at home (Note 0.12) / Newborn care (Note 0.13) / Cancer treatment (Note 0.14) / Transplant services (Note 0.15)/ Hospice and palliative care (Note 0.16)/ Local road ambulance (Note 0.17)/ Local air ambulance (Note 0.18) / Home nursing (Note 0.19)/ Hospitalisation cash benefit (Note 0.20)/ Emergency dental treatment (Note 0.21)/ Treatment of congenital and hereditary conditions (Note 0.22) )
Options:
Worldwide Medical Plus ( Specialists' consultation and doctors' fees ( Note 1.0 ) / Physiotherapy, osteotherapy and chiropractor treatment ( Note 1.1 ) / Consultations and treatment with complementary therapists ( Note 1.2 ) / Psychiatrists' and psychologists' fees (Note 1.3) / Speech therapy ( Note 1.4 ) / Pathology, X-rays and diagnostic tests ( Note 1.5 ) / Young child care ( Note 1.6 ) / Maternity (Note 1.7) / Accident-related dental treatment ( Note 1.8 ) / Transplant services ( Note 1.9 ))
Worldwide medicines and equipment ( Prescribed medicines and dressings ( Note 2.0 ) / Durable medical equipment rental ( Note 2.1 ) / Long-term prescription medicines ( Note 2.2 ) )
Worldwide Wellbeing ( Screening and prevention ( Full health screen (Note 3.0) / Mammogram (Note 3.1) / Papanicolaou (PAP) test (Note 3.1)/ Prostate cancer screen (Note 3.1)/ Colon cancer screen (Note 3.1)/ Bone densitometry (Note 3.1) / Four dietetic consultations (Note 3.2) / Vaccinations (Note 3.3) ) / Dental (Note 3.4) (Preventive (Note 3.5) / Routine and major restorative (Note 3.6)/ Orthodontic (Note 3.7) ) / Optical ( Eye test (including consultation) (Note 3.8) / Spectacle lenses (Note 3.9) / Contact lenses (Note 3.9) / Spectacle frames (Note 3.10) ) )
Worldwide evacuation ( Medical evacuation (Note 4.0) / Medical repatriation (Note 4.1)/ Travel cost for an accompanying person (Note 4.2)/ Travel cost for the transfer of minor children (Note 4.3 ) / Living allowance (Note 4.4)/ Repatriation of mortal remains (Note 4.5) / Compassionate visit and return (Note 4.6)/ Compassionate visit living allowance (Note 4.6) )
Deductibles ( How will claims be paid? / Changing your deductible )
General exclusions ( 5.0 We do not pay for addictive conditions and disorders / 5.1 Artificial life maintenance / 5.2 Birth control / 5.3 Conflict and disaster / 5.4 Convalescence and admissions for general care, or staying in hospital for.. /
5.5 Cosmetic treatment / 5.6 Developmental problems / 5.7 Donor organs / 5.8 Experimental treatment / 5.9 Eyesight / 5.10. Foetal surgery / 5.11 Footcare / 5.12 Health hydros, nature cure clinics etc / 5.13 Infertility treatment / 5.14 Obesity / 5.15 Personality disorders / 5.16 Pre-existing conditions / 5.17 Preventive treatment / 5.18 Reconstructive or remedial surgery / 5.19 Self-inflicted injuries / 5.20 Sexual problems and gender issues / 5.21 Sleep disorders / 5.22 Temporomandibular joint (TMI) disorders / 5.23 Travel costs for treatment / 5.24 Unrecognised physician, providers or facilities / 5.25 USA treatment )
Important information ( your membership ( Our legal agreement / What forms my membership? / What happens if I move? / Country of residence / citizenship / When does my membership begin? / What happens on my anniversary? / Can I cancel my membership? / Ending your membership / Refunding your subscriptions / How can I change my plan? /
Adding members to your plan / New membership certificates / How are my subscriptions calculated? / How do I pay my subscriptions and other charges? / What happens if I don't pay? / Will the amount I pay change? / Bank charges ) / Making a complaint / useful notes and legal information (Other parties / Correspondence / Applicable law / False information ) / Glossary )
Worldwide Health Options - mobile / cellphone version
In Yunquera de Henares (Guadalajara), the …3rd…………
of ……May …………………
2010…..
David Harris Geritie, with identity number DNI 70083651Y acting as
legal representative of
Mainly Health Plans SL
based in Yunquera de Henares, Guadalajara province, postal code
19210, 7 Vizconde de Valoria street, and company registered number
CIF B19250372
State that:
First. Activity.
·
Mainly Health
Plans SL
is a
linked
insurance agency which undertakes a professional commercial
activity, in compliance with
article 20 of
Law 26/2006, dated 17 July,
about
selling insurance and private re-insurance.
·
By means of
agency contracts with
several insurance companies
and
inscription in the special administrative
Register for insurance intermediaries, re-insurance brokers and top
managers,
there is an undertaking to sell insurance in accordance with
article 2.1 of
that law,
in accordance with the terms agreed in the insurance contracts.
Second:
· Non exclusivity.
Mainly Health
Plans SL
is not
contractually bound to sell insurance for any single insurance
company. However, being an intermediary between policyholders and
insured persons, on the one hand, and authorised insurance companies
offering private insurance on the other hand, does not imply that
the company provides advice based on the obligation of carrying out
objective analysis.
Third. Register.
·
Mainly Health
Plans SL
is
inscribed in the
Special
Administrative Registry for insurance intermediaries, re-insurance
brokers and top managers
maintained by the Spanish Insurance and Pension authorities
(‘ Dirección General de Seguros y Fondos de Pensiones’),
with
registration number AJ0052
. This
Register is public and can be consulted by writing to the ‘Dirección
General de Seguros y Fondos de Pensiones’, or consulting the web
page
Fourth.
Customer Service.
·
To attend and
solve complaints and demands relating to the performance of its
insurance agents,
the insurance
companies
with which
Mainly Health
Plans SL
has signed linked
insurance contracts have Customer Service Departments. This
Department is obliged to resolve any complaints or demands within 2
months of sending the
complaint. If the client is dissatisfied with the answer, the client
can access the service which defends insurance clients (the ‘Comisionado
para la Defensa del Asegurado’), for which it is essential to show
that the complaint or demand was submitted to the Customer Service
of the relevant insurance company in writing.
Fifth.
Personal Data Protection.
·
In compliance
with the Data Protection Law, of 13th December,(‘ Protección de
Datos de Carácter Personal (LOPD)’) and the law about selling
insurance and private re-insurance (Law
26/2006, of 17th July),
the client is hereby informed that data of a personal nature
requested will be processed and registered in a file.
The purpose of
collecting and processing Personal Data is that of maintaining the
relationship between
Mainly Health
Plans SL
and its
clients: the selling of insurance, as defined in
article 2.1 of
Law 26/2006, of 17th July, about selling insurance and
private re-insurance,
as a linked
insurance agency.
Personal data
must be provided given the need to maintain and carry out the
service and will only be given to the insurance company with which
an insurance contract is signed.
Furthermore, the
client is informed of the right that can be exercised at any time,
regarding personal data provided; the rights of access,
rectification, cancellation and opposition to. The client has to
contact the insurance company responsible for processing this data,
at the address indicated on the insurance contract attaching this
document to the contents.
The client Mr /
Mrs…………(ref:
IB03052010)………………………………….
Identification
number DNI………………………………………………………………..
Insurance Intermediary - registered with the Spanish Insurance authorities
Your rights under Spanish insurance law - and please print your quote for future reference! (even though this quote will remain online for your information...)