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Expatriate Medical Insurance, Comprehensive Medical Coverage Global Expatriate Healthcare
EMERGENCY NUMBER : +66 (0) 2 619 1115
For 24/7 hour Emergency Medical Assistance;
Pre-authorisation and making a Claim

Table of Benefits

Providing Health Insurance Services Around The World

GEH Plan

Comprehensive Medical Cover

What is Covered?

GEH Vital Care

Vital Inpatient Cover

What is Covered?

TABLE OF BENEFITS - MAIN POLICY GEH PLAN GEH VITAL CARE
Policy Limits & Coverage
Annual Limit $1,000,000 $1,000,000
Lifetime limit $3,000,000 $3,000,000
Newborn Child Limit (per child) $50,000 $50,000
Deductible Excess Nil Nil
Medical & Hospital Benefits
Local Ambulance Services Full Cover Full Cover
Single-bedded room, including meals Full Cover Full Cover
Hospital medical facilities, treatment and services Full Cover Full Cover
Physicians charges Full Cover Full Cover
Diagnostic procedures including (CT, MRI and PET scans) Full Cover Full Cover
Cancer - acute episodes Full Cover Full Cover
Intensive care unit (when medically necessary) Full Cover Full Cover
Parent accommodation for child under 16 Full Cover Full Cover
Day-care surgery Full Cover Full Cover
Out-patient follow-up treatment (3 months following hospital discharge) Full Cover Full Cover
Routine management of chronic conditions including chronic cancer (per condition) $10,000
Organ transplantation Full Cover
Home delivery $1,500
Maternity Care and Childbirth (including pre-natal and post-natal care) $5,000
Complications of maternity Full Cover
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 45 days per annum
Medical Transfer Benefits
Emergency medical transfer / evacuation Full Cover Full Cover
Elective medical transfer (Country choice for major surgery) Full Cover Full Cover
Travel assistance services  
Repatriation of mortal remains Full Cover Full Cover
Cremation and return of funeral urn to home country $300.00
Local Burial $1,000
TABLE OF BENEFITS - OPTIONAL EXTENSIONS GEH PLAN GEH VITAL CARE
Outpatient Care
Overall limit $6,000
Doctors fees & prescribed drugs $3,500
Laboratory, x-ray, scanning, imagery services $3,000
Physiotherapy $2,000
Hire of equipment, medical aids & prostheses $1,000
Routine health check (once every 3 years) $300
Optical care $100
Complementary medicine: chiropractics, osteopathy, homeopathy, and Chinese traditional medicine (including herbal treatments, acupuncture and bone setting) ($50 per session)
Dental Care
Overall limit $2,000
Dental Treatment 80% refund /
20% coinsurance
Dental Surgery 80% refund /
20% coinsurance
Dental Prosthesis $250
TABLE OF BENEFITS - PERSONAL ACCIDENT GEH PLAN GEH VITAL CARE
Personal Accident
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 - refer to the Occupation Schedule below.
OCCUPATIONAL SCHEDULE - PERSONAL ACCIDENT GEH PLAN GEH VITAL CARE
Maximum Benefit
Class 1 Clerical and office based occupations, domestic duties and students.
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
TABLE OF BENEFITS - TRAVEL INSURANCE GEH PLANs GEH VITAL CARE
General Limitations - 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
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
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 are 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
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) $ 150
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 $ 300
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
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
Cancellation or Curtailment + Winter Sports
Cancellation or Curtailment benefits as per the main travel policy apply (USD2,000.00) $ 300
Additional benefits for Winter Sports to cover unused ski-passes or $ 500
Ski School Fees
Skis, Ski Equipment & Ski Pass $ 250
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
Equipment lost/misplaced for over 12 hours on outbound trip $ 250
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
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.
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.

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