Worldwide Health Options (from 2009) (Castellano)
What is covered? ( annual limit ... )
Benefit:
Staying in hospital overnight or as a day-case
Worldwide Medical Insurance notes
0.0 We pay hospital room and board costs when:
· there is a medical need to stay in hospital
· your treatment is given or managed by a specialist
· you are staying in hospital
· the length of your stay is medically appropriate
· you occupy a standard single room with private bathroom. (This means that
we will not pay the extra costs of a deluxe, executive or VIP suite, etc)
· if treatment fees are charged in line with the room type, we will pay for treatment at the cost which would have been charged if you had stayed in a standard single room with private bathroom.
If you need to stay in hospital for longer than we have given prior approval, or if your treatment plan changes, your specialist must send us a medical report as soon as possible telling us:
· your diagnosis
· treatment you have already had
· treatment that you need to have
· how long you need to stay in hospital
We will also pay up to £10 / €13 / $17 each day for personal expenses such as newspapers, television rental and guest meals when you have had to stay overnight in hospital
We do not pay hospital room and board charges if you are staying in hospital for any of the following reasons:
· convalescence
· general supervision
· pain management
· general nursing care without specialist treatment, except when in a hospice and receiving palliative care.
· services from a therapist or complementary therapist
· domestic services such as help in walking, bathing or preparing meals, or
· receiving treatment that could have taken place as an out-patient