PROGRAMY UBEZPIECZENIA ZDROWOTNEGO MediSky

We will pay for hospital room and board costs for a standard single en-suite room including general nursing care.

We will pay for the room and board costs of one parent staying in hospital with their child up to the age of 18 (if the child is a member receiving treatment that is covered under the Policy).

We will pay for the costs of the operating room, post-surgical recovery room and care, medicines, dressings and equipment used during surgery and immediately afterwards and general nursing care associated with the surgery.

We will pay for the medically necessary admission and/or transfer to a High Dependency Unit or Intensive Care Unit.

We will pay for the surgeon, anesthetist and assistant's fees both in surgery and immediately before or after surgery, on the same day. We will pay for surgeon's consultations while admitted in hospital - either to discuss your surgery or for treatment related to a non-surgical stay, such as being admitted for pneumonia.

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as (ECGs).

We will pay for treatment provided by medical practitioners in order to aid recovery or restore function as part of the overall treatment plan whilst admitted to hospital.

We will pay for the costs of an admission to hospital for an acute flare up of a chronic condition that requires active medical treatment, for the period of that admission only.

We will pay for In-Patient rehabilitation costs following surgery, subject to Our approval.

We will pay for room and board and the costs of treatment when admitted to a psychiatric hospital up to the limits specified, while under the supervision of a consultant psychiatrist.

We will pay for prosthetic implants needed as part of your treatment.

We will pay towards the costs of any items, supplies or equipment used in the course of medical treatment or home care, such as orthopedic supports, crutches, wheelchairs, hearing aids or speaking aids.

We will pay towards the costs of palliative care (whether in a hospice or at home) if you have received a terminal diagnosis and can no longer receive active medical treatment leading towards your recovery.

We will pay for the costs of home nursing if you have been in hospital receiving treatment which was covered under this plan but only if it immediately follows discharge from hospital, you require active medical support, is managed by a qualified nurse and was prescribed by your treating specialist. We will not pay for social and domestic support. We will not pay for home nursing related to mental illness, psychiatric or psychological disorders.

We will pay a cash benefit for each night you spend in a hospital where you are not charged for your admission (ie: at a public hospital)

We will pay for the treatment of congenital and/or hereditary conditions. By congenital we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth whether diagnosed at the time or not. By hereditary we mean any abnormalities, deformities, diseases or illnesses present at birth that are only present because they have been passed down through your family. After the specified days, the newborn will be subject to underwriting.

Covered until stable for transfer or up to the cash limit supplied. We will pay only for emergency in-patient treatment.

We will pay for the costs of a surgical procedure performed as an out-patient under a local anesthetic.

We will pay for consultations with your GP, Family Doctor or Specialist to diagnose and treat a medical condition or to arrange further medical treatment or as a follow up to treatment that has already taken place.

We will pay for the cost of drugs and dressings prescribed by your medical practitioner that will only be used for the treatment of a disease, illness or injury.

We will pay for the costs of tests used to diagnose or assess your condition. This includes pathology (such as blood tests), radiology (such as x-rays or ultrasounds) and diagnostic tests (such as ECGs).

We will pay for physiotherapy costs referred by your GP, Family Doctor or Specialist and under the direction of a registered physiotherapist for the purpose of providing short term focused treatment to relieve pain or restore function.

We will pay for the costs of treatment provided by a registered therapist, such as an Occupational Therapist and Complementary Therapist (acupuncture, homeopathy, chiropractic treatment or osteopathy). We will not pay for sexual therapy.

We will pay for the ongoing management of chronic conditions. We define chronic as a condition that does not respond to active medical treatment and requires ongoing management (for example diabetes, or back pain)

We will pay for speech therapy in order to restore speech following an accident or for a condition (ie: stroke), under the recommendation of your specialist. We will not pay for developmental delay or language disorders.

We will pay for the costs of emergency out-patient treatment (ie: services provided in Accident and Emergency Room as an out-patient) up to the limits provided.

We will pay for the consultation and associated costs for psychiatry, psychology or psychotherapy provided the overall treatment plan is under the referral of a practicing registered psychiatrist/ psychologist.

We will pay for fees specifically related to the treatment of Cancer, including hospitalization, radiotherapy, chemotherapy and associated consultations, drugs and tests.

We will not pay for the costs associated with locating a replacement organ or tissue, or any costs incurred for the removal of the organ or tissue from the donor, transportation costs of the organ or tissue and all associated administration costs.

We will pay for the costs of a CT, MRI or PET scan (or combination of these scans) when recommended by your Specialist.

Maternity benefit is only available after 12 months of continuous cover. Cover includes hospital charges, obstetrician and midwife fees for normal childbirth, pre and post-natal care (immediately following childbirth) and up to seven days routine care for the baby. We will not pay for terminations of pregnancy, other than miscarriage, ectopic pregnancy and stillbirth. We will pay for elective C-section and Childbirth at home.

Maternity cash benefit is only available after 12 months of continuous cover. We will pay a cash benefit for each night you spend in a hospital during childbirth where you are not charged for your admission (ie: at a public hospital).

This benefit is only available after 12 months of continuous cover. We will pay for the costs of a Caesarian Section where medically necessary arising as a result of a complication, including conditions such as pre-eclampsia, threatened miscarriage, baby is in breech position or the life of the mother and/or baby is under threat.

We will pay for the costs of treatment for a newborn baby up to 30 days after the date of birth. Children can be added as a dependent onto their parent's policy within 30 days of birth with no exclusions (subject to the congenital benefit wording).

We will pay towards treatment of damaged teeth following an accident. We will not pay for the repair of dental implants, crowns or dentures.

We will pay for the costs of a medically necessary local ambulance to either transfer you to hospital following an accident or from one hospital to another.

We will pay towards the costs of repatriating your mortal remains in the event you die away from your home country/country of residence. We will make all necessary arrangements as required under international regulations.

In the event of an emergency whereby the local medical facilities are unsatisfactory and unable to provide the level of medical care you need. We will pay to either evacuate you to the nearest medical centre or to repatriate you to your home country/country of residence. The most appropriate means of transport available locally will be used (ie. regular scheduled, charter airline, or a specially chartered air ambulance). We will arrange and pay the reasonable travel costs of one person to accompany the Insured Person; in addition, We will pay for that person’s overnight accommodation up to EUR 50 each night for a maximum of 10 nights. We will arrange for Repatriation to your Home Country once fit to travel.

From age 2 to turning 10 years we will pay towards one annual health screen incl. vaccinations once you have been a member for 12 consecutive months. From age 10 and up we will pay towards one annual health screen once you have been a member for 12 consecutive months.

We will pay towards 4 health screenings incl. vaccinations per year up until your child reaches the age of 2.

From age 10 years and up we pay towards vaccinations and immunizations including travel vaccinations

We will pay towards costs of preventative dental treatment after you have been covered for 6 months on this option. 0% co-pay for this. (ie: check-up, X-ray, scale and polish, mouth guard)