InCare Life

Table of benefits

For help in understanding your benefits, questions and general plan
guidance, please contact our Member Care Team:
+44 808 101 3483 or +44 333 405 3003
For 24/7 pre-authorisation and guarantee of payment requests:
All hospital stays, outpatient surgery, medical transportation (except for local emergency transportation) or medical procedures must be pre-authorised. Pre-authorisations are easy and only take a few minutes of your time.
Please allow at least 2-5 business days for the pre-authorisation to be processed. You must notify us at least five business days prior to a scheduled or elective admission or treatment plan. For an emergency hospitalisation please notify us within 48 hours of admission.
+(33) 184 780 368
EMERGENCY MEDICAL ASSISTANCE and SAND (security and natural disaster)
quoting code number NGSINTEGR01
+44 20 7183 8910
Back-up mobile: +44 7785 627 433

Professional counselling support and consultation available worldwide, day or night, 365 days a year.

The Life Aware benefit reflects our continuing commitment to your well-being and privacy. We encourage you to use the programme anytime you need it. Please note that any onward referral will be at your own cost.

Call Morneau Shepell and identify yourself as part of Integra Global
Europe: 00 800 2685 2111 (freephone)
Malaysia: 1 800 815 560 (freephone)
South Korean: 00 800 226 0195 (freephone)
Phillipines: 00 800 2685 2111 (freephone)
Thailand: 001 800 2685 2111 (freephone)
Indonesia: 001 803 018 0195 (freephone)
Or call Canada and reverse the charges: 905 886 3605
Search for Integra Global
Download the Morneau Shepell Life Aware app
Apple App Store
Google Play
Blackberry World
Table of benefitsInCare Life
Maximum lifetime plan benefit$1,000,000 | €900,000
Annual maximum plan benefit$1,000,000 | €900,000
Table of benefitsInCare Life
AccommodationSemi-private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daycase treatment100%
Intensive care unit100%
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient100%
Surgeons’ and anaesthetists’ fees100%
Inpatient consultation by specialist 100%
Emergency room100%
Pathology, radiology, and diagnostic tests 100%
MRI, CT and PET scans100%
Private duty nursing $7,500 | €6,750
Skilled nursing$7,500 | €6,750
Home health care$7,500 | €6,750
Hospice care$10,000 | €9,000
Emergency dental treatment (as a result of accident)100%
Cancer treatment100%
Child accompaniment100%
If the insured person is a child under 16 who requires hospitalisation, we will pay for necessary overnight accommodation for one parent in the same hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel.
Pre-approval is necessary.
Organ transplants maximum lifetime$500,000 | €450,000
Tissue transplants
(as part of the overall organ max.)
$250,000 | €225,000

Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. A 24-month waiting period applies for all transplants.

Table of benefitsInCare Life
Physical and occupational therapy (outpatient) – starting within 30 days of discharge following insured inpatient surgery$75 | €65 per visit for max 30 visits.
Post hospitalisation – outpatient consultation resulting from insured inpatient treatment. This includes any required follow-up treatment such as laboratory tests, scans and removing stitchesWithin 30 days of discharge up to $1,000 | €900
Post hospitalisation – outpatient prescription resulting from insured inpatient treatmentWithin 30 days of discharge up to $1,000 | €900
Travel and accommodation costs for one family member – to be with the insured if they are alone and inpatient treatment will be in excess of 5 daysStandard fare travel and up to $100 | €90 per night accommodation for 10 nights
Table of benefitsInCare Life
Where there is no claim
(e.g. covered under government health scheme)
$150 | €130
per day for max of 30 days
Table of benefitsInCare Life
One check every 24 months.
Six-month waiting period applies. The deductible does not apply to fitness check.
$500 | €450
Table of benefitsInCare Life
Medical evacuation and assistance100%
24/7 Emergency medical assistance hotlineYes
Repatriation of mortal remains100%
Repatriation accompanimentN/A

Access to our specialist representatives who provide a 24/7 international emergency response in events such as security crises, political unrest and natural  disasters. The services include assistance in arranging evacuation, contingency planning, remote medical abilities, crisis management and tracking services. Any costs incurred are the responsibility of the insured person, and must be paid by you to the service provider.

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eHealth records accountYes
Table of benefitsInCare Life
Lifetime maximum for mental health benefits
(inpatient only)
Up to 60 days
Lifetime mental illness, maximum per insured
(inpatient only)
$25,000 | €22,500
Table of benefitsInCare Life
Life AwareYes

Operated by Morneau Shepell, provides assistance with the following types of issues often faced by internationally mobile individuals: how to cope with isolation and loneliness, adapt across cultures, identify and cope with culture shock, address the personal impact of the relocation, strengthen relationships, improve communication, work towards life goals, deal with stress, anxiety and depression, address alcohol and drug misuse, resolve marital and relationship difficulties, find solutions for work-related issues, access crisis and trauma support while on assignment, discover ways to improve your nutrition in your new environment, focus on your health with natural healing strategies.

In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.

Optional benefits planInCare Life
Policy year maximum plan benefit$50,000 | €45,000
Loss of life100%
Loss of sight of both eyes100%
Loss of both hands or arms100%
Loss of both feet or both legs100%
Loss of one arm and one leg100%
Loss of sight of one eye50%
Loss of one foot or one leg50%
Loss of one hand or arm50%

N.B. Benefits cannot exceed two times annual salary. See rate sheet for benefit sums available.

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HIV/AIDS treatmentYes
Lifetime maximum
(inpatient treatment only)
$25,000 | €22,500
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Durable medical equipmentYes
Lifetime maximum$15,000 | €13,500
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Lump sum in case of death
All causes
$5,000 | €4,500
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Deductible options are:$0 | €0
$100 | €90
$200 | €180
$500 | €450
$1,000 | €900
$5,000 | €4,500

Worldwide but excluding US and Canada and their territories.

Does not include any cover for US and Canada and their territories.

Increase accidental death and dismemberment (AD&D) cover

Optional benefits planInCare Life
Option to increase cover from standard amounts to:$100,000 | €90,000
$150,000 | €135,000
$250,000 | €225,000

In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by the percentage in the table within the ‘Accidental Death and Dismemberment’ section.

N.B. Benefits cannot exceed two times annual salary.