Global: Cover when you're abroad for more than 6 months

Global - International Private Health Insurance

Global from Vhi Healthcare is International Private Health Insurance for Irish residents who are moving, travelling or studying abroad for more than 6 months. Global is available to both Vhi Healthcare members and non-Vhi Healthcare members. The product is designed to comprehensively cover your healthcare and travel insurance needs overseas. If you need to recoup medical costs, transfer to better facilities when medically necessary, claim for lost luggage or just need advice and practical help – wherever you are in the world, Global has you covered.

Summary of Cover	Level 1	Level 2
Maximum yearly overall medical limit	€1,000,000	€1,500,000
Hospital costs for in-patient and day-care treatment including emergency care room, intensive care, rehabilitation, oncology, specialists fees, medical and ancillary services and local ambulance services	Full cover	Full cover
Pre-hospitalisation consultations which result in admittance to a hospital within three months	Full cover	Full cover
In-patient treatment of a mental illness, psychiatric or psychological disorder	No cover	30 days
In-patient cash benefit	€50 per night	€75 per night
Minor surgical procedures requiring local anaesthesia undertaken in a GP/Specialist's consulting room	Full cover	Full cover
Post hospitalisation consultations and treatment required within three months immediately following discharge from an in-patient or day-care admission in a hospital	€2,000	€3,000
Nursing at home	€1,000	€1,500
Out-patient costs (excluding pre and post hospitalisation costs which are covered separately) Out-patient costs, each person, each period of insurance, for GP or family doctor fees, specialist consultations, prescribed drugs, diagnostics (including x-rays, MRI/CAT/PET Scans), pathology, physiotherapy, minor surgical operations, complementary medicine and medical appliances	€500 Excess €45	€3,000 (increased to €5,000 for Area 3) Excess €45
Chronic conditions	€10,000 each chronic condition for acute episodes only	€10,000 each chronic condition for acute episodes, routine management & palliative treatment
Emergency treatment outside of the geographical area. Cover is operative for 60 days duration in any one period of insurance	€1,000,000	€1,500,000
Emergency dental treatment required which is received within 48 hours from the date/time of the accident/injury occurring	€800	€800
Cost of maternity care during childbirth including elective c-sections	No cover	€3,000
Complications of pregnancy and childbirth	Full cover	Full cover
Maternity cash benefit	No cover	€380
Emergency medical transfer or evacuation	Full cover	Full cover
Hazardous sports and activities	Automatically included	Automatically included
Travel insurance	Automatically included	Optional purchase
Wellness Benefits Optical (eye test / glasses / lenses) Audiology (hearing test) Audiology (hearing aid)	No cover	€400 Full cover €350

Please note:

• the above cover summary is effective from 1st January 2009
• the terms and conditions of this policy are different from your Irish hospital plan

This Summary of Cover is issued as a guide only and does not form part of a contract. A copy of the rules of membership will be issued on registration or can be found here.

Step 1 - Where are you travelling to?

Global has 3 geographical areas to choose from depending on where you are travelling to:

• Area 1 Europe only
• Area 2 Worldwide (excluding North America, Canada & Caribbean)
• Area 3 Worldwide (comprises all countries worldwide)

Step 2 - What level of cover do you need?

Step 3 - Do you need any optional add-ons?

In addition to your Global cover members can choose from the following range of optional add-ons:

• Dental Insurance - €255 per person
• Travel Insurance - €60 per person (Please note that Level 1 members have Travel Benefits automatically included on their plan).

Top reasons why you should buy

• Smooth transfer to Global from current healthcare plan
• Access to all Medical Facilities Worldwide
• Direct payment to Hospitals for in-patient treatment with prior approval
• Flexibility to return home for major medical treatment with prior approval

Important to know

• Already have private health insurance cover in Ireland?

  If you already have health insurance cover in Ireland you can transfer to Global easily with the following special arrangements: 28-day no payment period from date of registration does not apply. Pre-existing illnesses restriction can be reduced by the number of continuous years that you hold an Irish private healthcare plan. The upper age limit of members transferring from private health insurance cover in Ireland is 74 years. Any known or planned in-patient treatment during the 1st four months of your trip abroad is not covered. Minimum premium period of 6 months applies.

• New Members

  Subject to a 28-day no-payment period from date of registration. Required to complete a Supplementary Health Declaration Form. The upper age limit of new members joining Global is 64 years. Any known or planned in-patient treatment during the 1st four months of your trip abroad is not covered. Minimum premium period of 6 months applies. Subject to waiting period restrictions for all pre-existing illnesses as follows:

  Members age	Waiting period
  Under 55	5 years
  55-59	7 years
  60+	10 years

When you return to Ireland after your travels

Simply contact us on your return and we will arrange to transfer your Global policy to one of our Irish healthcare plans. No additional forms need to be completed.