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PremierLife OLD

PremierLife is an exclusive international health plan designed with just you in mind. A PremierLife Health Plan from us gives you the most complete and benefit rich health protection imaginable.

Fully portable

PremierLife is fully portable within your region of cover. Allowing you to stay fully protected and seek care when and where you need it.

Comprehensive cover

Our core protection is second to none precisely because we offer so much protection from the very start.

Exclusive benefits

PremierLife just doesn't give you excellent lifestyle benefits, such as Wellness and Vision. You also have Advanced Health Screening benefits that allow you to take even better care of yourself. And Our Best Possible Outcome Programme and Blood Care Programme give you access to important benefits in critical life threatening circumstances.

24/7 Emergency Medical Assistance and Evacuation

Essential to all of our international health plans is our 24/7 emergency medical assistance hotline and medical evacuation. Because as an expat you never know where you might end up and what help you need.

General exclusions

Some of the main general exclusions for the PremierLife health plan include:

  • Maternity benefits
  • Over-the-counter medications and supplies which do not require a physician prescription
  • Treatments or services that exclusions deem to be experimental or investigational
  • Charges for or related to services, treatments, education testing or training related to learning disabilities or development delays including but not limited to Attention Deficit/Hyperactivity Disorder (ADD/ADHD)
  • Participation in a professional sports or any hazardous sport or activity
  • Dental implants of any type
  • Plastic surgery, reconstructive surgery, cosmetic surgery or other services and supplies which improve, alter or enhance appearance

There is a 24 month waiting period for organ transplants.

Feeling at home while abroad

We always try to make you feel at home wherever you may be. Our plans are set up for your convenience in mind. We offer direct settlement for hospitalisation around the globe. And we have local convenient direct billing networks in many countries for instant cash-less access to out-patient services such as doctor visits, exams, lab fees and prescription drugs. Ask about our direct billing arrangements in your area.

Getting started with a PremierLife health plan

It is easy to enrol into one of our health plans. Just follow the link on the left and enroll online. It's easy, fully secure and just takes a few minutes. You will receive an instant email confirmation once you have completed the form. Or feel free to browse more information online with our plan highlights and Table of Benefits. You can download our brochure or get an instant online quote, all at the touch of a button. And we are always eager to help you out. Get in touch with us at one of the many contact options on this page.

Protection
Underlying all our health plans is the foundation of outstanding protection for your health.

Value
We can give you more protection, better benefits at the absolute best value.

Comprehensive Plans
We believe in comprehensive health plans and don't like separate limits on important benefits such as Rx, out-patient or chronic conditions.

Personal Service
You might feel a long way from home, but you are never far away from a friendly helpful voice from our Member Care Team.

Currency:

Annual Maximum Benefit

$2,000,000 AED £1,250,000 €1,500,000

Maximum Lifetime Benefit

$3,000,000 AED £1,750,000 €2,250,000
Accomodation
Accomodation
Private room
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
100%
Intensive care unit
Intensive care unit
100%
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
100%
Surgeons' and anaesthetists' fees
Surgeons' and anaesthetists' fees
100%
Inpatient consultation by specialist
Inpatient consultation by specialist
100%
Emergency room
Emergency room
100%
Pathology, radiology, and diagnostic tests
Pathology, radiology, and diagnostic tests
100%
MRI, CT and PET scans
MRI, CT and PET scans
100%
Private duty nursing (Lifetime maximum)
Private duty nursing (Lifetime maximum)
$15,000 £10,000 €12,500
Skilled nursing facility (Lifetime maximum)
Skilled nursing facility (Lifetime maximum)
$15,000 £10,000 €12,500
Home health care (Lifetime maximum)
Home health care (Lifetime maximum)
$15,000 £10,000 €12,500
Hospice care services (Lifetime maximum)
Hospice care services (Lifetime maximum)
$20,000 £13,000 €15,000
Emergency dental treatment (as a result of accident)
Emergency dental treatment (as a result of accident)
100%
Cancer treatment
Cancer treatment
100%
Child accompaniment
If the Insured Person is a child under 16 who requires Hospitalisation, we will pay for necessary overnight accommodation for one parent in the same Hospital, or when no such accommodation is available, for necessary bed and breakfast accommodation in a nearby hotel. Pre-approval is necessary.
Child accompaniment
MANAGED TRANSPLANT PROGRAM
Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy.
MANAGED TRANSPLANT PROGRAM
Organ transplants maximum lifetime
Organ transplants maximum lifetime
$500,000 £300,000 €400,000
Tissue transplants (as part of the overall Organ max.)
Tissue transplants (as part of the overall Organ max.)
$250,000 £150,000 €200,000
Surgery as outpatient
Surgery as outpatient
100%
Physician office visits and specialist fees
Physician office visits and specialist fees
100%
Diagnostic and therapeutic services (as outpatient)
Diagnostic and therapeutic services (as outpatient)
100%
Physical therapy (as outpatient)
Physical therapy (as outpatient)
$75 £50 €60 100%, policy year max 50 visits
Occupational therapy (as outpatient)
Occupational therapy (as outpatient)
$75 £50 €60 100%, policy year max 50 visits
Chiropractic services
Referral letter required from medical physician
Chiropractic services
$1,500 £1,000 €1,250 100%, policy year maximum for chiropractic services
Complementary medicine
Including TCM, bonesetting, acupuncture, herbal medicine, homeopathy and osteopathy
Complementary medicine
$1,500 £1,000 €1,250 100%
Prescription program
Prescription program
In US (no deductible applies): 100% generic, 90% brand. All other countries (ded. applies): 100%
Routine dental
Routine dental
$1,500 £1,000 €1,250
Diagnostic and preventive dental
Diagnostic and preventive dental
100%
Dental plan option available
Dental plan option available
✔ See dental options
Adults
Adults
$750 £500 €600 per policy year
Routine physical exams in connection with overall health and wellbeing
Routine physical exams in connection with overall health and wellbeing
100%
Pap smear
Pap smear
100%
Mammograms
Ages 35-39 one baseline exam; ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline; age 50 and over one exam annually; any age whenever prescribed by a physician
Mammograms
100%
Prostate cancer screening
One test per policy year for males age 50 or over
Prostate cancer screening
100%
Immunisations and vaccinations
Immunisations and vaccinations
100%
Children: Maximum per policy year - birth to age 12 months
Children: Maximum per policy year - birth to age 12 months
Children: Maximum per policy year - 13 months and over
Children: Maximum per policy year - 13 months and over
Children: Routine medical exams and immunisations and vaccinations
Children: Routine medical exams and immunisations and vaccinations
Children: Child preventive care services
Children: Child preventive care services
Children: Hearing tests
Children: Hearing tests
Maximum per 24 month period
Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually.
Maximum per 24 month period
$300 £225 €275 100%
Medical evacuation & assistance
Medical evacuation & assistance
100%
24/7 Emergency medical assistance hotline
24/7 Emergency medical assistance hotline
YES
Repatriation of mortal remains
Repatriation of mortal remains
100%
Family emergency travel
Family emergency travel
$5,000 £3,000 €3,500 100%
Repatriation accompaniment
Repatriation accompaniment
$5,000 £3,000 €3,500 100%
Repatriation family accompaniment
Repatriation family accompaniment
Best possible outcome programme
A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.
Best possible outcome programme
YES
Advanced health screening programme
Advanced health screening programme
100%
Ages 40-50 one high level physical examination every three years
Ages 40-50 one high level physical examination every three years
$1,000 £650 €750
Ages 50+ one high level physical examination every three years
Ages 50+ one high level physical examination every three years
$1,500 £1,000 €1,250
Blood care programme
A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world.
Blood care programme
YES
eHealth records account
eHealth records account
YES
Lifetime maximum for mental health benefits (inpatient and outpatient)
Lifetime maximum for mental health benefits (inpatient and outpatient)
$25,000 £15,000 €20,000
Policy year mental illness, maximum (out-of-hospital) 15 visits
Policy year mental illness, maximum (out-of-hospital) 15 visits
$2,500 £1,500 €2,000 per policy year
Lifetime mental illness, maximum per insured (in-hospital)
Lifetime mental illness, maximum per insured (in-hospital)
60 days
Lifetime maximum for mental health benefits (out-of-hospital)
Lifetime maximum for mental health benefits (out-of-hospital)
80 visits
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
YES
Also available as an optional benefit on all plans
Also available as an optional benefit on all plans
$100,000 £70,000 €80,000
Lifetime maximum
Lifetime maximum
$25,000 £15,000 €20,000
Lifetime maximum
Lifetime maximum
$20,000 £13,000 €15,000
Chronic conditions are treated like any other condition under the policy
Chronic conditions are treated like any other condition under the policy
YES
Annual maximum plan benefit
Annual maximum plan benefit
$5,000 £3,000 €4,000
Lifetime maximum
Pre-existing conditions are covered after a 12-month waiting period and subject to maximums above unless otherwise stated on your Certificate of Insurance.
Lifetime maximum
$50,000 £30,000 €40,000
Individual deductible
Individual deductible
YES
Family deductible
Family deductible
NO
Deductible options are:
Deductible options are:
$0 £0 €0
$100 £65 €75
$200 £125 €150
$500 £300 €400
$1,000 £650 €750
$5,000 £3,000 €4,000
YES
An out of pocket maximum is protection for you against high medical costs from your benefits which are listed at 90%. The 10% that you pay yourself is your out of pocket expenses. Once your out of pocket costs equal the maximum indicated, your benefits that were at 90% are switched to 100% for the remainder of the policy year (unless where indicated). For Premier Plans out of pocket while technically possible is not practical due to the 100%. The only area where a maximum out of pocket could be reached is in the US prescriptions for brand name drugs. All other qualified benefits are at 100%.
YES
$1,000 £650 €750
Cover Region 1 – Worldwide including US and Canada and their territories.
Please note that Cover Region 1 is limited to 180 days in the US in any 12-month period. If you are returning to the US 12-month Bridge Cover is available for Cover Region 1 members only and request must be made prior to returning to the US Bridge Cover premiums are 185% of standard published rates.
Cover Region 1 – Worldwide including US and Canada and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our UnitedHealthcare (UHC) Preferred Provider Network. The UHC Network is one of the largest in the US with over 650,000 medical providers. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – Worldwide but excluding US and Canada and their territories.
Cover Region 2 – does not include any cover for US and Canada and their territories.
Individual deductible
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
Individual deductible
$50 £30 €40
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS I EXPENSES No deductible applies Diagnostic – general preventive
Included under your Premier medical plan
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
Orthodontic and Class III services are available after six months of continuous enrollment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
90%
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
CLASS III EXPENSES Restorative (major); endodontics; prosthodontics – removable (installation); fixed bridge (installation)
60%
Policy year maximum (per insured person)
Policy year maximum (per insured person)
$3,000 £2,000 €2,250
Orthodontic lifetime maximum
Orthodontic lifetime maximum
$2,500 £1,500 €2,000
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
N.B. Benefits cannot exceed two times annual salary.
Loss of life
Loss of life
100%
Loss of sight of both eyes
Loss of sight of both eyes
100%
Loss of both hands or arms
Loss of both hands or arms
100%
Loss of both feet or both legs
Loss of both feet or both legs
100%
Loss of one arm and one leg
Loss of one arm and one leg
100%
Loss of sight of one eye
Loss of sight of one eye
50%
Loss of one foot or one leg
Loss of one foot or one leg
50%
Loss of one hand or arm
Loss of one hand or arm
50%