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.
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.
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.
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.
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.
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.
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.
With our 24hr Fast Claim Service we will settle your claim with 24hrs after we receive all the necessary paperwork.
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.
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.
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.
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.
You can’t become infected with HIV through ordinary contact. That means you can’t catch HIV or AIDS by hugging, kissing, dancing or shaking hands with someone who has the infection. HIV isn’t spread through the air, water or insect bites.
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.
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
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.
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.