AGB Foundation Plan

(effective 1st November 2009) In the tables below We have summarised the Benefits applicable for each product option. Please refer to the Policy Wording for full Benefit details and definitions. All Benefits shown are per Insured Person, per Period of Cover (unless specifically stated). ALL limits and Excesses expressed in $ shall in all instances mean US$.
Maximum Annual Aggregate Limit	£1,000,000 or €/$1,600,000
In-Patient Charges Hospital accommodation, Drugs & Dressings, surgeon and anaesthetist fees, theatre charges, intensive care unit and pathology.	Full Refund
Hospital Cash Benefit When Treatment is received as an In-Patient for an eligible Medical Condition for a maximum of 20 nights and no costs are incurred for accommodation and/or Treatment. This Benefit is not applicable to Accident and Emergency admissions.	£75 or €/£125 per night
Parent Accommodation Hospital accommodation costs in respect of a parent or legal guardian staying with an Insured Person who is under 18 years of age and is admitted to a Hospital as an In-Patient.	Full Refund
New Born Cover In-Patient Treatment of an Acute Medical Condition and any associated costs which presents symptoms at birth or which manifests itself within 30 days following birth.	Up to £62,500 or €/$100,000 and to a maximum of 90 days Hospital stay
New Born Accommodation Hospital accommodation costs relating to a New Born baby (up to 16 weeks old) to accompany its mother (being an Insured Person) whilst she is receiving Treatment as an In-Patient in a Hospital.	Full refund
In-Patient Psychiatric Treatment In a registered psychiatric unit of a Hospital. All Benefits are conditional upon pre-authorisation from Us and all Treatment being administered under the direct control of a registered psychiatrist.	Full Refund (up to 30 days)
Complications of Pregnancy Treatment of a Medical Condition which arises during the antenatal stages of pregnancy, or a Medical Condition which arises during childbirth & requires a recognised obstetric procedure.	Full Refund (subject to a waiting period)**
Congenital Anomalies Treatment of Congenital Anomalies which manifest themselves after Your Date of Entry.	Up to £62,500 or €/$100,000 per Medical Condition
Accidental Damage to Teeth Treatment received in an Emergency room in a Hospital within seven days of incurring accidental damage caused to sound, natural teeth.	Full Refund
Oncology Treatment given for cancer received as an In-Patient, Day-Patient, or Out-Patient.	Full Refund
CT and MRI Scans received as an In-Patient, Day-Patient or Out-Patient and pre-authorised by Us.	Full Refund
Emergency Transportation Emergency Transportation costs to and from Hospitals by the most appropriate form of transport.	Full Refund
Evacuation Evacuation of an Insured Person in the event of an Emergency where Treatment is not readily available at the place of the incident, to the nearest appropriate facility, for the purpose of admission to Hospital as an In-Patient or Day-Patient. Extended to cover the costs for one other person to travel with the Insured Person as an escort.	Full Refund
Additional Travel Expenses (following Evacuation) Reasonable travel costs:
i. to and from medical appointments when Treatment is being received as a Day-Patient.	Full Refund
ii. for an accompanying person to travel to and from the Hospital to visit the Insured Person following admission as an In-Patient.	Full Refund
iii. non-Hospital accommodation for immediate pre and post Hospital admission periods provided that the Insured Person is under the care of a Specialist.	Up to £95 or €/$150 per person per day and £3,000 or €/$5,000 per person per Evacuation
iv. economy class airline ticket to return the Insured Person and one other person who has travelled as an escort to the Country of Residence, or to the country from where Evacuation occurred.	Full Refund
Mortal Remains i.Transportation of a body or ashes to the Country of Nationality or Country of Residence, or ii.Burial or cremation costs at the place of death.	Up to £5,300 or €/$8,500
AIDS Medical expenses which arise from or are in any way related to Human Immuno-deficiency Virus (HIV) and/or HIV related illness, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) and/or any mutant derivative or variation thereof.	Up to £6,250 or €/$10,000
Reconstructive Surgery Reconstructive surgery following an Accident or following surgery for an eligible Medical Condition.	Full Refund
Home Nursing Immediately following Hospital discharge on the recommendation of a Specialist and must be provided by a Qualified Nurse. All Treatment under this Benefit must be pre-authorised by Us.	Full Refund up to 30 days per condition
Out-Patient Charges Including: i. Medical Practitioner fees including consultations. ii. Specialist fees. iii. Diagnostic procedures. iv. Physiotherapy on referral by a Medical Practitioner. v. Prescribed Drugs and Dressings. vi. Treatment administered by registered chiropractors, osteopaths, homeopaths, podiatrists and acupuncturists on referral by a Medical Practitioner or Specialist.	Full Refund Full Refund Up to 10 sessions in aggregate
Organ Transplant	Full Refund
Out-Patient Surgery	Full Refund
Ancillary Charges The purchase or rental of crutches or wheelchairs following Treatment as In-Patient or Day-Patient.	Up to £625 or €/$1,000 per Medical Condition
Rehabilitation	Up to 120 days per Medical Condition
Out-Patient Psychiatric Treatment Including Specialist consultations. All Benefits are conditional upon pre-authorisation from Us and all Treatment must be administered under the direct control of a registered psychiatrist.	Up to £3,125 or €/$5,000
Traditional Chinese Medicine Administered by a recognised traditional Chinese practitioner.	Up to a maximum of £20 or €/$30 per session and to a maximum of 10 sessions
Hormone Replacement Therapy Medical Practitioner or Specialist consultation and the cost of prescribed tablets, implants or patches, when Treatment is prescribed for the female menopause which has been induced artificially and/or through early onset (by early onset We mean prior to age 40 years).	Full Refund up to 18 months per condition
Chronic Conditions Routine check-ups, Drugs and Dressings prescribed for management of the condition, Hospital accommodation, nursing, renal dialysis, surgery and Palliative Treatment for Chronic conditions.	No cover
Evacuation Extension Evacuation to the country of Your choice.	Optional
Routine Dental Treatment Examinations, tooth cleaning, normal compound fillings, simple or non-surgical extractions incurred after six months from the purchase date of this Benefit or Your Date of Entry, whichever is the later.	No cover
Major Restorative Dental Treatment Removal of impacted, buried or unerrupted teeth, removal of roots, removal of solid odontomes, apicetomy, new or repair of bridge work, new or repair of crowns, root canal Treatment, new or repair of upper or lower dentures incurred after nine months from purchase date of this Benefit of Your Date of Entry, whichever is the later.	No cover
Pregnancy and Childbirth Costs associated with normal pregnancy and childbirth, pre- and post-natal check-ups and delivery costs.	No cover

* In aggregate to Routine Dental Limit
** Please refer to the Policy Wording

Each Product Option carries a standard Excess applicable to
each new Medical Condition. You can amend this by selecting alternative options.

£ Standard		65
£ Options		Nil; 30; 155; 300; 625 1,250 or 3,000

€/$ Standard		100
€/$ Options		Nil; 50; 250; 500 1,000; 2,000 or 5,000

USA Elective Treatment [Option 005] Costs will be reimbursed on a full refund basis, where In-Patient or Day-Patient Treatment is received within Our Provider Network or for any Out-Patient Treatment. In-Patient or Day-Patient Treatment received outside Our Provider Network will be subject to a 50% Co-Insurance and an annual maximum of £625,000 or €/$1,000,000.	Optional
*Semi-Private Room Restriction [Option 006] 1 Benefits restricted to Semi-Private Room and corresponding rates when receiving Treatment as an In-Patient** or Day-Patient.	Optional
*China Private Room Restriction [Option 007] 2 Benefits restricted to Semi-Private Room and corresponding rates when receiving Treatment as an In-Patient** or Day-Patient outside of mainland China.	Optional
Direct Settlement Network [Option 008] 3 Cover under this Policy* provides nil Excess Benefits for Out-Patient Treatment received within the Direct Settlement Network. Out-Patient Treatment received outside of the Direct Settlement Network and other In-Patient and Day-Patient Treatment will be subject to £65 or €/$100 Excess applicable to each new Medical Condition.	Optional
Extended Evacuation [Option 009] Evacuation costs of an Insured Person on the event of Treatment not being readily available at the place of incident to the nearest appropriate medical facility, Country of Residence, Country of Nationality or country of Your choice, for the purpose of admission to Hospital as an In-Patient or Day-Patient.	Optional
Medical History Disregarded [Option 010] Cover for Treatment for any Medical Condition or Related Condition where symptoms have existed or Advice has been sought prior to Your Date of Entry under this Policy. (Only available to compulsory Group schemes of 10 employees or more).	Optional
Extension to Lifestyle Plus [Option 011] Provision for removal of the dental waiting periods applicable to Dental (1) and (2) of the Lifestyle Plus Product, subject to full declaration of dental health. Provision for removal of the Co-Insurance applicable to pregnancy and childbirth of the Lifestyle Plus product. (Only available to compulsory Group schemes of five employees or more).	Not Applicable

[*1] Available to residents of Hong Kong only [*2] Available to residents of mainland China only. [*3] Available in certain countries. Please check with your local sales centre.