yourLife
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 |
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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 |
US CLAIMS AND PROVIDER INFORMATION | To find a provider in the US, visit: www.welcometouhc.com/us1 Utilising the UHC Network ensures that preauthorisation procedures are followed. If using hospital or provider outside of UHC Network in the US you or your provider must follow pre-authorisation procedures and contact: +1 800 268 5041 |
Connecting you to better health and well-being
Professional counselling support and consultation available worldwide, day or night, 365 days a year. The EAP benefit reflects our continuing commitment to your well-being and privacy. We encourage you to use the EAP 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 |
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ONLINE E-COUNSELLING | www.workhealthlife.com Search for Integra Global |
MY EAP APP Download the Morneau Shepell My EAP app | Apple App Store Google Play Blackberry World |
General cover
Table of benefits | yourLife |
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Maximum lifetime plan benefit | $2,500,000 | €2,000,000 | £1,500,000 |
Annual maximum plan benefit | $1,500,000 | €1,250,000 | £1,000,000 |
Hospice Care Services
Table of benefits | yourLife |
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Accommodation | Semi-private room |
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment | 100% | 90% US/Canada |
Intensive care unit | 100% | 90% US/Canada |
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient | 100% | 90% US/Canada |
Surgeons’ and anaesthetists’ fees | 100% | 90% US/Canada |
Inpatient consultation by specialist | 100% | 90% US/Canada |
Emergency room | 100% | 90% US/Canada |
Pathology, radiology, and diagnostic tests | 100% | 90% US/Canada |
MRI, CT and PET scans | 100% | 90% US/Canada |
Private duty nursing (Lifetime maximum) | $7,500 | €6,000 | £5,000 |
Skilled nursing (Lifetime maximum) | $7,500 | €6,000 | £5,000 |
Home health care (Lifetime maximum) | $7,500 | €6,000 | £5,000 |
Hospice care (Lifetime maximum) | $10,000 | €8,000 | £6,500 |
Emergency dental treatment (as a result of accident) | 100% | 90% US/Canada |
Cancer treatment | 100% | 90% US/Canada |
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 | €400,000 | £300,000 |
Tissue transplants (as part of the overall organ max.) | $250,000 | €200,000 | £150,000 |
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.
Outpatient benefits
Table of benefits | yourLife |
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Surgery as outpatient | 100% | 90% US/Canada |
Physician office visits and specialist fees | 90% |
Diagnostic and therapeutic services (as outpatient, per visit) | 90% |
Physical therapy (as outpatient, per visit) | 90% | $75 | €60 | £50 policy year max 30 visits |
Occupational therapy (as outpatient, per visit) | 90% | $75 | €60 | £50 policy year max 30 visits |
Chiropractic services Policy year maximum for chiropractic services Referral letter required from medical physician | 90% | $750 | €600 | £500 |
Complementary medicine Including TCM, bonesetting, acupuncture, herbal medicine, homeopathy and osteopathy | 90% | $500 | €400 | £350 |
PRESCRIPTION PROGRAMME | |
In US (no deductible applies) | 90% generic | 80% brand |
All other countries (deductible applies) | 90% |
DENTAL | |
Routine dental | N/A |
Diagnostic and preventive dental | N/A |
Dental plan option available | Yes See dental options |
Maternity and newborn cover
Table of benefits | yourLife |
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Pregnancy normal delivery | N/A |
Complicated pregnancy (including non-elective, medically necessary caesarean section) | N/A |
Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. In the case of an elective caesarean section, which is not medically necessary, benefit will be paid at the cost of a normal delivery, up to the pregnancy, normal delivery limit. | |
New born cover Included in New Born Cover are premature births, congenital conditions and birth anomalies. New Born Cover is only available for a covered pregnancy. | N/A |
Wellness and routine services
Table of benefits | yourLife |
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ADULTS Per policy year | $500 | €400 | £300 |
Routine physical exams in connection with overall health and wellbeing | 90% |
Pap smear | 90% |
Mammograms: ages 35-39 one baseline exam; ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline; age 50 and over one exam annually; any age whenever prescribed by a physician | 90% |
Prostate cancer screening: one test per policy year for males age 50 or over | 90% |
Immunizations and vaccinations | 90% |
CHILD(REN) | |
Maximum per policy year: birth to age 12 months | N/A |
Maximum per policy year: 13 months and over | N/A |
Routine medical exams and immunizations and vaccinations | N/A |
Child preventive care services | N/A |
Hearing tests | N/A |
Six-month waiting period applies to all Wellness Benefits, but waits are waived for policies that are paid annually. Deductible does not apply to Wellness Benefits. Overall Wellness Benefit maximums apply to all routine and Wellness Benefits for adults and children.
Vision care cover
Table of benefits | yourLife |
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Vision care cover | 100% |
Maximum per 24-month period Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. | $300 | €275 | £225 |
Emergency, repatriation and ambulance services
Table of benefits | yourLife |
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Medical evacuation and assistance | 100% |
24/7 Emergency medical assistance hotline | Yes |
Repatriation of mortal remains | 100% |
Family emergency travel | N/A |
Repatriation accompaniment | N/A |
Repatriation family 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 | yourLife |
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Best possible outcome programme | N/A |
A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome. | |
Advanced health screening programme | N/A |
Ages 40-50 one high level physical examination every three years | N/A |
Ages 50+ one high level physical examination every three years | N/A |
Blood care programme | N/A |
A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world. | |
eHealth records account | Yes |
Mental health benefits
Table of benefits | yourLife |
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Mental Health Benefits | 90% |
Lifetime maximum for mental health benefits (inpatient and outpatient) | $25,000 | €20,000 | £15,000 |
Policy year mental illness, maximum (out-of-hospital) 15 visits | $2,500 | €2,000 | £1,500 per policy year |
Lifetime mental illness, maximum per insured (in-hospital) | 60 days |
Lifetime maximum for mental health benefits (out-of-hospital) | 80 visits |
Mental health benefits do not count towards out of pocket maximum.
Expatriate assistance programme
Table of benefits | yourLife |
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Expatriate Assistance Programme | Yes |
Operated by Morneau Shepell, provides assistance with the following types of issues often faced by expatriates: 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.
HIV/AIDS treatment
Table of benefits | yourLife |
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HIV/AIDS treatment | Yes |
Lifetime maximum | $25,000 | €20,000 | £15,000 |
Durable medical equipment
Table of benefits | yourLife |
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Durable medical equipment | Yes |
Lifetime maximum | $15,000 | €12,000 | £10,000 |
Chronic Conditions
Table of benefits | yourLife |
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Chronic conditions | Yes |
Chronic conditions are treated like any other condition under the policy.
Life cover (adults only)
Table of benefits | yourLife |
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Lump sum in case of death All causes | $5,000 | €5,000 | £5,000 |
Deductible options
Table of benefits | yourLife |
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Individual deductible | Yes |
Family deductible | No |
Deductible options are: | $200 | €150 | £125 $500 | €400 | £300 $1,000 | €750 | £650 $5,000 | €4,000 | £3,000 |
Out of pocket maximum
Table of benefits | yourLife |
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Individual | $1,000 | €750 | £650 |
An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
Geographical cover region options
Cover Region 1 – Worldwide including US and Canada and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our Preferred Provider Network. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Please note that Cover Region 1 is limited to 180 days in the US in any 12-month period.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
For Cover Region 2 – does not include any cover for US and Canada and their territories.
Dental plan option plan features
Optional benefits plan | yourLife |
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Individual deductible | $50 | €40 | £30 |
Family deductible | $150 | €125 | £100 |
CLASS I EXPENSES Diagnostic – general preventive | 100% |
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery | 80% |
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation). | 50% |
Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
Optional benefits plan | yourLife |
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Policy year maximum (per insured person) | $1,500 | €1,200 | £1,000 |
Orthodontic lifetime maximum | $1,500 | €1,200 | £1,000 |
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 | yourLife |
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Policy year maximum plan benefit | N/A |
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.