Medical Expenses

The usual maximum payout in respect of Medical Expenses is £2 million; however, cover with Online Essentials has been extended to £5 million per insured to provide you with extra protection.

Please note however this policy does not provide private health treatment under the Medical Expenses section, unless specifically approved by the emergency service.

Out-patient Treatment with Charge Care International – If you are travelling to Spain, Greece, Cyprus, Portugal or Turkey and need out-patient medical treatment please provide a copy of your certificate to the doctor and your treatment will be paid by Charge Care International. You will be asked to complete a simple form and pay the appropriate policy excess. Full details can be found in your policy wording.

E111 - Reciprocal Health Agreement. If you are travelling to a European Union country, you are strongly advised to obtain Form E111 FREE from you local Post Office. This will entitle you to benefit from the reciprocal health arrangements that exist between European Union countries. In the event of a medical claim having been reduced by the use of Form E111 the Excess under the Emergency Medical and Other Expenses section will be reduced to Nil. Please note that you must get the E111 form stamped and signed by the post office or you will not be able to use it.

MEDICARE - Medical Treatment in Australia. If you required medical treatment in Australia you must enrol with MEDICARE. You do not need to upon arrival but you must do so after the first occasion you receive treatment. In-patients treatment is then free at a public hospital. If you are admitted to hospital you or your representative must contact MEDICALL and their authority must be obtained in respect of any treatment not available under MEDICARE before such treatment is provided.

Pre-Existing Conditions
Your state of health may affect the cover provided under your Certificate. Please refer to the general exclusions and conditions of cover and to the pre-existing medical conditions within the Policy Wording. For advice and assistance in this matter, please contact the Optimum Medical Helpline on 0117 300 7015 to ensure that you have the proper cover when you travel.