ADVICE TO AVOID POSSIBLE PROBLEMS

• Avoid exposure to cigarette smoke
• Identify and treat allergies
• Do not spend long periods of time outside when the air quality in your area is poor
• Check-ups
• Avoid antibiotic overuse

POSSIBLE COVER COST:

• Tonsilectomy €550
• Larynx Polyp €515

WHAT DO WE DO FOR YOU:

Our guide to Direct Care Insurance contains all you need to know about finding the right type of Direct Care Insurance policy, how to minimize the cost of your premium and what to do in the event of a claim.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS

• STOP SMOKING
• People with lung diseases such as asthma and COPD need to pay particular attention to the levels of air pollution
• Avoiding sharing cups, glasses and cutlery when eating or drinking
• Keep your house clean and free from excess dust. Keep your bathrooms and sinks free from mold or mildew.
• Good nutrition is important to help the body resist infection
• Manage your stress.

POSSIBLE COVER COST:

• Thoracoplasty/Lobectomy of Lung €2225
• Removal of Hydatic cyst from lung €1880
• Achalasia €1880

WHAT DO WE DO FOR YOU:

Health helpline assistance is there for you whenever you need it, and just a phone call away; If you are feeling unwell or would like some general healthcare information.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Have regular physical exams to check for diabetes and high blood pressure
• Protect your eyes from harmful UV light
• Eat a healthy and balanced diet

POSSIBLE COVER COST:

• Retinal Detachment €1235
• Cataract and glaucoma with lens €1030
• Pterygium/Chalazion/Ectropion/ entropion/trichiasis €225

WHAT DO WE DO FOR YOU:

Our 24hr Coordinating Centre is the exclusive 24/7 service for our Direct Care customers, specially designed to give you expert information and peace of mind.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Quit smoking
• Control other health conditions, such as high blood pressure, high cholesterol and diabetes
• Exercise at least 30 minutes a day on most days of the week
• Eat a diet that’s low in salt and saturated fat
• Maintain a healthy weight
• Reduce and manage stress
• Practice good hygiene

POSSIBLE COVER COST:

• Full Heart Cath €1850
• T.C.A Stent €6835
• Carotid PTCA €9060
• Thalium Test €470
• A.B.G Operation (Coronary artery by-pass graft) €17090

WHAT DO WE DO FOR YOU:

If you find yourself in the unfortunate position of requiring medical care, the Casualty Care team will be there for you to check you in a medical centre, visit and check you out to ensure everything is fine. Select ‘Dread Disease Benefit’ and we will pay the whole or part of the Sum Insured as set out in the Schedule. Any such diagnosis must be verified by a practising licensed medical practitioner in any member country of the European Union.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Avoid high-cholesterol foods
• Reduce the salt in your diet
• Get more exercise
• Monitoring blood pressure
• Eat a balanced diet that includes good levels of B-12 and D vitamins, as well as healthy fats
• Avoid smoking and drinking excessive alcohol

POSSIBLE COVER COST:

• Aneurysms and Arteriovenous Malformations €3420
• Brain biopsy €1200

WHAT DO WE DO FOR YOU:

Select Dread Disease benefit and you will be covered for any incident which results in subsequent neurological diseases lasting more than 24 hours and causes permanent paralysis, including: necrosis of brain tissue, haemorrhage of an endocranial vessel, or embolism from an external cranial source.  The diagnosis must be substantiated by proof of permanent neurological damage.

800 5 10 15

WHAT DO WE DO FOR YOU:

In Patient & Day Patient Treatment includes treatment which, for medical reasons, requires an overnight or longer stay in a hospital/clinic or requires that you have to go into a hospital/clinic or day-patient unit because you need a period of clinically supervised recovery.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Eat and drink slowly
• Quit smoking
• Lose weight if you’re overweight
• Drink plenty of water
• Exercise often

POSSIBLE COVER COST:

• Oesophago-gastro-duedenoscopy €260
• Colonoscopy €325
• Proctoscopy €70
• Dilatation of oesophageal strictures €6854

WHAT DO WE DO FOR YOU:

If your General Practitioner (GP) has advised that you need to be referred to a Specialist, please call our Free Phone Line to discuss whether your claim is eligible under your Policy. We will endeavour to assess your claim by telephone, in order that you receive a quick confirmation of cover.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Don’t wait too long to use the restroom. Withholding urination can put added pressure on your bladder which can lead to infection
• Pay close attention to hygiene – avoid harsh soaps and make sure to shower thoroughly after swimming in pools or lakes
• Avoid foods that may irritate the bladder. If you have an overactive or sensitive bladder, avoid carbonated and caffeinated drinks and alcoholic drinks
• Stay hydrated. Drink plenty of water throughout the day in order to keep a normal urinary pattern. This works to remove any waste products in your system

POSSIBLE COVER COST:

• Ureterolithotomy €1145
• Bladder catheterization €70
• Prostate biopsy €345

WHAT DO WE DO FOR YOU:

With our 24hr Fast Claim Service we will settle your claim with 24hrs after we receive all the necessary paperwork.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Schedule a checkup once a year
• Be Physically Active
• Find Out Your Family History

POSSIBLE COVER COST:

• Hysterectomy laparotomy €1285
• Laparoscopic excision of cyst/fibroids/ myomas/ectopic €1370
• Colposcopy €345

WHAT DO WE DO FOR YOU:

Upgrade your In-Patient treatment plan and benefit the New Born baby benefit where we will pay the amount of benefit shown in the Schedule to assist with the initial expenses incurred during the Period of Insurance whilst preparing the family home for Your Newborn; provided that you have been continuously insured under Your Policy for at least 12 consecutive months immediately preceding the birth.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Wash your hands with soap and warm water frequently
• Clean things in public spaces, such as gym equipment, before using them
• Don’t share personal items, such as blankets, hairbrushes, or swimsuits
• Sleep for at least seven hours each night
• Drink plenty of water
• Avoid excessive physical or emotional stress
• Eat a nutritious diet

POSSIBLE COVER COST:

• Excision veruccae – cauterization €55
• Actinic Keratosis, warts €55

WHAT DO WE DO FOR YOU?

Call our Freephone (across the island) on 800 5 10 15 (or if overseas on 00357 25 885 885), at any time 24 hours a day, 365 days per year. Alternatively, you can report your claim at one of our branches all over the island and we will deal with it immediately. Please contact us and we will confirm whether any treatment you plan to receive is covered under your Direct Care Policy. Our Medical Insurance Policy provides Claim Assistance and where necessary our associates will advise and give you guidelines on any health condition for you or any of your family members.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Stay active
• Eat smart

POSSIBLE COVER COST:

• Plastering €70
• Fracture of Talus (ankle) €1080
• Arthroscopic surgery of the knee €1490

WHAT DO WE DO FOR YOU:

Select In-Pantient and Day-Patient Treatment and we will pay Eligible Expenses/Charges for diagnostic procedures and tests using radiology, ultrasonographic or laboratory services as long as they are directly related to the purpose of treatment (psychometric, behavioural and educational tests are not included). All diagnostic tests should be accompanied by their results confirming the medical condition and the necessity for treatment.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Avoid tobacco
• Eat a healthy diet
• Maintain a healthy weight and be physically active
• Avoid unnecessary exposure to radiation
• Avoid exposure to industrial and environmental toxins

POSSIBLE COVER COST:

• Radical mastectomy/Modified radical mastectomy €1200
• Thyroid lobectomy €1285

WHAT DO WE DO FOR YOU:

With In- Patient & Day Patient Treatment we will pay Eligible Expenses/Charges for chemotherapy, radio therapy, directly relating to cancer Treatment and must be carried out / be administered within the hospital. Upgrade your Dread Disease optional amount of cover.

800 5 10 15

Early symptoms of HIV can include:

• fever
• chills
• swollen lymph nodes
• general aches and pains
• skin rash
• sore throat
• headache
• nausea
• upset stomach

Advice to avoid possible exposure to HIV:

• Get tested and know your partner’s HIV status
• Use a condom correctly every time you have sex
• Get tested and treated for STDs
• Don’t share needles for shooting drugs, piercings, or tattoos

WHAT DO WE DO FOR YOU:

The exclusive 24/7 service for our Direct Care customers is specially designed to give you expert information and peace of mind. So no matter what you are concerned about, there’ll be someone with the right experience and training on hand to help you. The 24hrs Coordinating Centre does not diagnose or prescribe and it’s not set up to replace your GP. Except from providing medical advice we will guarantee the most efficient and effective service including the pre-notification call from whenever you are, if hospitalization is needed.

800 5 10 15

WHAT DO WE DO FOR YOU:

Select Dread Disease Benefit covering Major organ transplant: Surgical intervention for heart transplant, lungs, kidneys, liver and bone marrow as the recipient of the graft and not as the donor. Any such diagnosis must be verified by a practicing licensed medical practitioner in any member country of the European Union

800 5 10 15

WHAT DO WE DO FOR YOU:

Our 24hr Coordinating Centre is the exclusive 24/7 service for our Direct Care customers holding the DirectCare health policy, specially designed to give you expert information and peace of mind.

800 5 10 15

ADVICE TO AVOID POSSIBLE PROBLEMS:

• Eat a Balanced Diet
• Find the Right Exercise for YOU
• Get Enough Sleep
• Keep safe blood sugar levels
• Quit smoking

POSSIBLE COVER COST:

• Thyroid lobectomy €1285
• Total thyroidetomy with Lymph note dissection €1965

WHAT DO WE DO FOR YOU:

There are many ways in which you can reduce your premium, but it should never be at the cost of reducing the cover offered. Removing cover to reduce the premium may in fact be short sighted. It is only when you need to claim that you may realise that reducing your cover to save a few extra money may in fact cost you more in the long term.

800 5 10 15