Core Programmes

Benefits Core Core Extra Comprehensive
Overall Policy Limits £500,000 per annum
£1,000,000 per lifetime
£30,000 per newborn child		 £750,000 per annum
£1,000,000 per lifetime
£30,000 per newborn child		 £1,000,000 per annum
£2,000,000 per lifetime
£30,000 per newborn child
Hospitalisation costs (private room, including daycare, and CT/MRI/PET scans) Full Refund Full Refund Full Refund
Routine management of chronic conditions X £5,000 £10,000
Outpatient Care (laboratory, x-ray, scanning, imagery services, physiotherapy and complementary medicine) £300 £6,000 Full Refund
Psychiatric treatment 30 days inpatient 30 days inpatient 30 days inpatient
Organ transplantation X Full Refund Full Refund
Local ambulance services Full Refund Full Refund Full Refund
Maternity Care and Childbirth (including pre-natal and post-natal care) X £2,000 £5,000
Nursing at home £750 £1,000 £1,000
Emergency dental treatment Full Refund Full Refund Full Refund
Emergency medical transfer/ evacuation Full Refund Full Refund Full Refund
Care of unaccompanied children £60 per night/10 nights £60 per night/10 nights £60 per night/10 nights
Visit of relative or friend £60 per night/10 nights £60 per night/10 nights £60 per night/10 nights
Repatriation of mortal remains Full Refund Full Refund Full Refund
Out-of-area emergency treatment 30 days inpatient 30 days inpatient 45 days inpatient
Travel assistance services Yes Yes Yes
Elective medical transfer X Yes Yes
Deductible (optional) Nil / £75 / £200 per claim Nil / £75 / £200 per claim Nil / £75 / £200 per claim

Optional Extensions

Benefits Core Core Extra Comprehensive
Dental (including Dental Treatment, Dental Surgery, Periodontics, Orthodontics, DentalProsthesis) X £600 £600
Optical (One annual vision test in each period of insurance. Glasses or contact lenses prescribed by an ophthalmologist) X £200 £200
Hearing (One annual hearing test in each period of insurance. A hearing aid prescribed by a physician) X £200 £200
Health Checks Yes Yes Yes

Important Notes

  • All amounts shown are in £ sterling and apply per insured person per year of insurance, other than the deductible which applies per insured person per claim.
  • "x" means that there is no cover for the listed benefit under the corresponding Core Programme.
  • The Optional Extensions are only available in conjunction with one of the Core Programmes, and cannot be purchased independently
  • This table is a summary of the principal benefits available. Full details of the cover, terms, conditions and exclusions can be found in the policy wording, which is available on request.
  • The policy is underwritten by LAMP Insurance Company Limited, 260/262 Main Street, Gibraltar. LAMP Insurance Company Limited is licensed by the Commissioner of Insurance of Gibraltar under the Insurance Companies Ordinance.