InCare Life
Table of benefits
Important contact information
| 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 member-care@integraglobal.com |
|---|---|
| CLAIMS | integra@medical-administrators.com |
| 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 hospi@medical-administrators.com |
| EMERGENCY MEDICAL ASSISTANCE and SAND (security and natural disaster) quoting code number NGSINTEGR01 | +44 20 7183 8910 Back-up mobile: +44 7785 627 433 ops@northcottglobalsolutions.com |
Connecting you to better health and well-being
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 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 |
|---|---|
| ONLINE E-COUNSELLING | www.workhealthlife.com Search for Integra Global |
| LIFE AWARE PROGRAMME Download the Morneau Shepell Life Aware app | Apple App Store Google Play Blackberry World |
General cover
| Table of benefits | InCare Life |
|---|---|
| Maximum lifetime plan benefit | $1,000,000 | €900,000 |
| Annual maximum plan benefit | $1,000,000 | €900,000 |
Hospitalisation benefits
| Table of benefits | InCare Life |
|---|---|
| Accommodation | Semi-private room |
| Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daycase treatment | 100% |
| Intensive care unit | 100% |
| Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient | 100% |
| Surgeons’ and anaesthetists’ fees | 100% |
| Inpatient consultation by specialist | 100% |
| Emergency room | 100% |
| Pathology, radiology, and diagnostic tests | 100% |
| MRI, CT and PET scans | 100% |
| 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 treatment | 100% |
| Child accompaniment | 100% 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. |
| MANAGED TRANSPLANT PROGRAMME | |
| 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.
Rehabilitation
| Table of benefits | InCare 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 stitches | Within 30 days of discharge up to $1,000 | €900 |
| Post hospitalisation – outpatient prescription resulting from insured inpatient treatment | Within 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 days | Standard fare travel and up to $100 | €90 per night accommodation for 10 nights |
Inpatient cash benefit
| Table of benefits | InCare Life |
|---|---|
| Where there is no claim (e.g. covered under government health scheme) | $150 | €130 per day for max of 30 days |
Fitness check
| Table of benefits | InCare Life |
|---|---|
| One check every 24 months. Six-month waiting period applies. The deductible does not apply to fitness check. | $500 | €450 |
Emergency, repatriation and ambulance services
| Table of benefits | InCare Life |
|---|---|
| Medical evacuation and assistance | 100% |
| 24/7 Emergency medical assistance hotline | Yes |
| Repatriation of mortal remains | 100% |
| Repatriation accompaniment | N/A |
SAND (security and natural disaster)
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.
Medical concierge services
| Table of benefits | InCare Life |
|---|---|
| eHealth records account | Yes |
Mental health benefits
| Table of benefits | InCare Life |
|---|---|
| 100% | |
| Lifetime maximum for mental health benefits (inpatient only) | Up to 60 days |
| Lifetime mental illness, maximum per insured (inpatient only) | $25,000 | €22,500 |
Life Aware
| Table of benefits | InCare Life |
|---|---|
| Life Aware | Yes |
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.
Accidental death and dismemberment
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 plan | InCare Life |
|---|---|
| Policy year maximum plan benefit | $50,000 | €45,000 |
| Loss of life | 100% |
| Loss of sight of both eyes | 100% |
| Loss of both hands or arms | 100% |
| Loss of both feet or both legs | 100% |
| Loss of one arm and one leg | 100% |
| Loss of sight of one eye | 50% |
| Loss of one foot or one leg | 50% |
| Loss of one hand or arm | 50% |
N.B. Benefits cannot exceed two times annual salary. See rate sheet for benefit sums available.
HIV/AIDS treatment
| Table of benefits | InCare Life |
|---|---|
| HIV/AIDS treatment | Yes |
| Lifetime maximum (inpatient treatment only) | $25,000 | €22,500 |
Durable medical equipment
| Table of benefits | InCare Life |
|---|---|
| Durable medical equipment | Yes |
| Lifetime maximum | $15,000 | €13,500 |
Life cover (adults only)
| Table of benefits | InCare Life |
|---|---|
| Lump sum in case of death All causes | $5,000 | €4,500 |
Deductible options
| Table of benefits | InCare Life |
|---|---|
| Deductible options are: | $0 | €0 $100 | €90 $200 | €180 $500 | €450 $1,000 | €900 $5,000 | €4,500 |
Geographical cover region options
Worldwide but excluding US and Canada and their territories.
Does not include any cover for US and Canada and their territories.
Optional benefits plan
Increase accidental death and dismemberment (AD&D) cover
| Optional benefits plan | InCare 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.