Overseas medical expenditure

Take care of your health with inclusive coverage for medical emergencies, hospital stays, and disability compensation.

Emergency Medical expenses

Overseas emergency medical expenses and assistance
Up to £10,000,000
Overseas emergency dental treatment
Up to £500

Covers the cost of medical emergency costs incurred outside the UK. It is important to contact Zurich Assist promptly in case of unexpected illness, injury, in-patient treatment, or repatriation needs.

Reimbursement includes expenses such as medical practitioners' fees, hospital costs, treatment, transportation to the nearest suitable hospital, emergency dental treatment, and emergency repairs to dentures or artificial teeth for pain relief. Some cost elements require prior authorisation from Zurich Assist.

Additional coverage includes repatriation expenses, necessary accommodation and travel costs, and funeral costs or repatriation of mortal remains in case of death abroad. We may arrange transfers to different medical facilities or repatriation to the UK if medically necessary and safe.

Main exclusions

  • Pre-existing medical condition as well as any pre-planned or known treatment
  • Any cost incurred after the date Zurich Assist advised to return home or arranged the return home.
  • Treatment or surgery which in the opinion of Zurich Assist can be reasonably delayed until return to the UK.
  • Treatment or surgery which in the opinion of Zurich Assist can be reasonably delayed until return to the UK.
  • Any treatment not related to curing or relieving acute unforeseen illness or injury.
  • Failure to obtain any recommended vaccines, inoculations or medications prior to the trip
  • Costs in Australia if they did not enrol in the Medicare scheme

Documents needed to file a claim

  • Invoice or receipt for you trip
  • Medical attest
  • Outstanding medical bills (if any)

Excess

£50

Hospital benefits

Overseas hospital benefit
£60 per 24-hour period up to the maximum of £600

Compensates you for each 24h in the hospital caused by a medical emergency.

Exclusions

  • Any additional period of hospitalisation which are not directly related to the injury or medical condition
  • Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre

Documents needed to file a claim

  • Invoice or receipt for your trip
  • Hospital report

Excess

£0

Personal accident

Personal accident
Up to £30,000

Compensates you with a lump sum amount in case you suffer an accident during your trip resulting in a long lasting disability.

Exclusions

  • Any claim arising directly or indirectly from any pre-existing medical conditions.
  • Any disability or death that is not a direct result of an injury but is caused by a worsening of physical health

Documents needed to file a claim

  • Invoice or receipt for your trip
  • Medical report

Excess

£0

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