since 11/2006
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Sanitas Accesible Síndrome de Down
Sanitas Accesible Down Syndrome
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www.e-healthinsurance.eu
IHI International Health and Hospital Plan ( Castellano )
Have you ever thought about what would happen to your family, career and financial situation if you were struck by an unexpected illness? Our experience shows that long-term illness may have serious financial and social consequences.
Health insurance requirements differ from country to country, and everyone has individual needs depending on their age and occupation. This is why we offer a flexible modular system that allows you to tailor your own insurance policy.
You can choose to take out your insurance:
| With a deductible.. | or without a deductible. |
| Choose your payment currency - euros, pounds sterling or US dollars |
In the List if Reimbursements, you can see in detail which benefits are covered under the different modules, and how they can be combined to give you exactly the cover you want.
You can feel confident that no matter where you live, travel or work, you and your family have the best possible health insurance and support should you need it:
BENEFITS
* Worldwide cover with complete freedom of choice concerning specialists, hospitals...
* Full cover regardless of your job, leisure interests and sports activities
* Chronic conditions are covered in full if diagnosed after enrolment or if accepted by IHI
* Cover of accidents resulting from terrorist acts
* Guaranteed renewal of the policy for life - regardless of your age and state of health
Cover of your expenses
| Cover of your expenses - waiting periods | Hospital treatment | Other treatment |
Supplementary options
| Critical Illness | |
| Personal Accident plan | |
| IHI - Travel | You can take out IHI Travel in addition to your International health (IHHP) and hospital plan and receive a discounted rate on the travel plan. With an IHHP plan, your medical expenses are of course covered on trips outside your country of residence, but by taking out an IHI Travel plan you get extra travel benefits eg next of kin accompaniment and repatriation if relatives at home get seriously, acutely ill. There is no deductible on IHI Travel. Your travel claims will also count towards the annual deductible on IHHP plan. |
| Para pedir una cotización o una aclaración / For a quote or details: | |
| saniprof@mail.ddnet.es / dmh@e-consultas.com | |
| Fax: | (+ 34) 91 8032484 |
| Teléfono / 'phone: | (+ 34) 609 522 300 |
| Chosen currency | Cover | Critical Illness | Dental and optical cover |
| Glossary | Hospital treatment ( Other treatment ) | IHI - Travel | List of Reimbursements |
| Manage your policy online | Medical evacuation and repatriation | Medicine & Appliances | Non-Hospitalisation Benefits |
| Personal Accident | Policy Conditions | The Hospital Plan (Options: Module1 / Module2 / Module3 / Module4 ) | With a deductible |
This glossary with definitions is part of the Policy Conditions
| Acute serious illness | Anniversary date | Applicant | Application |
| Claim | Commencement date | Deductible | Documents |
| Due date | Hospitalisation | Insurance | Insured |
| Normal occupation | Outpatient | Policy conditions | Policyholder |
| Policy schedule | Pre-existing condition | Reimbursement rates | Renewal |
| Serious injury | Special terms | Standard terms | Subrogation |
| Surgery | Terminal phase | Waiting period |
Annual premiums (2007) in euros / GBP / USD *
| Para pedir una cotización o una aclaración / For a quote or details: | |
| saniprof@mail.ddnet.es / dmh@e-consultas.com | |
| Fax: | (+ 34) 91 8032484 |
| Teléfono / 'phone: | (+ 34) 609 522 300 |
| Age brackets | 0-9 | 10-25 | 26-44 | 45-59 | 60+** | ||||||||||||||
| euros | GBP | USD | |||||||||||||||||
| Plans available without deductible | Plans available without deductible | Plans available without deductible | |||||||||||||||||
| Hospital Plan | Hospital Plan | Hospital Plan | 0 - free (maximum 2 children free of charge per paying adult (4.2)) |
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| Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Plans available with euro 350 deductible | Plans available with GBP 250 deductible | Plans available with USD 400 deductible | |||||||||||||||||
| Hospital Plan | Hospital Plan | Hospital Plan | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Plans available with euro 1,050 deductible | Plans available with GBP 750 deductible | Plans available with USD 1,600 deductible | |||||||||||||||||
| Hospital Plan | Hospital Plan | Hospital Plan | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Plans available with euro 4,000 deductible | Plans available with GBP 2,750 deductible | Plans available with USD 5,000 deductible | |||||||||||||||||
| Hospital Plan | Hospital Plan | Hospital Plan | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Plans available with euro 8,000 deductible | Plans available with GBP 5,500 deductible | Plans available with USD 10,000 deductible | |||||||||||||||||
| Hospital Plan | Hospital Plan | Hospital Plan | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | Module 1 Non-Hospitalisation Benefits | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | Module 2 Medicine & Appliances | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Supplementary covers *** | |||||||||||||||||||
| Module 3 Medical evacuation and repatriation | Module 3 Medical evacuation and repatriation | Module 3 Medical evacuation and repatriation | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 4A Dental and optical cover | Module 4A Dental and optical cover | Module 4A Dental and optical cover | 0 - free (maximum 2 children free of charge per paying adult (4.2)) | ||||||||||||||||
| Module 4B Dental and optical cover | Module 4B Dental and optical cover | Module 4B Dental and optical cover | 0 - free (maximum 2 children free of charge per paying adult (4.2)) |
* Semi-annual premium payments are 53% of annual premium payments
Quarterly premium payments are 27% of annual premium payments
** Renewals only
*** No deductible applies
INDEX
In accordance with the Danish Insurance Contracts Act.
| Art 1. Acceptance of the insurance | Art 2. Commencement date | Art 3 Waiting periods in connection with new insurance contracts and extension of cover | Art 4. Who is covered by the insurance? |
| Art 5. Where is cover provided? | Art 6. What is covered by the insurance? | Art 7. Hospital Plan | Art 8 Module 1 - Non-hospitalisation benefits |
| Art 9. Module 2 - Medicine & appliances | Art 10. Module 3 - Medical evacuation and repatriation | Art 11. Modules 4A and 4B - dental and optical | Art 12. Exceptions for reimbursement |
| Art 13. How to report a claim | Art 14. Cover by third parties | Art 15. Payment of premium | Art 16. Information necessary to the Company |
| Art 17. Assignment, cancellation and expiry | Art 18. Disputes, venue etc | Glossary |
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