BENEFITS	COVER	COVER	COVER
TDC is “Tarif de Convention” (the official price list set up by the French National Healthcare System CPAM)
HOSPITAL CHARGES	PLATINE HOSPITAL	PLATINE FRANCE	PLATINE GLOBAL
1. Hospital Charges including : i) Medical Practitioner or Specialist fees as an In-Patient or Day Patient ii) Diagnostic and surgical procedures as an In-Patient or Day Patient including scans, pathology, X rays, oncology. iii) Surgeons and Anaesthetist fees including “Depassement” iv) Theatre fees and nursing by a Qualified Nurse v) Daily food charge and bottled water vi) Prescribed Drugs and Dressings vii) Private Room (max 30 days per Medical Condition) viii) Physiotherapy	Up to 300% of TDC Full refund Up to 300% of TDC Full refund Full refund Full refund Up to €50 Per day Full Refund	Up to300% of TDC Full refund Up to 300% of TDC Full refund Full refund Full refund Up to €50 Per day Full refund	Full refund Full refund Full refund Full refund Full refund Full refund Up to €100 Per day Full Refund
2. Parent Accommodation. Standard private Hospital accommodation in respect of a parent or legal guardian staying with an Insured Person who is under 12 years of age and is admitted as an In-Patient in a Hospital	Full refund	Full refund	Full refund
3. Transportation. The cost of emergency transport necessarily incurred to and from Hospitals for Medical Conditions covered by this Policy	Full refund	Full refund	Full refund
4. Home Nursing. Nursing care given outside a Hospital which is immediately received subsequent to Treatment as an In-Patient or Day Patient. This must be provided by a Qualified Nurse	Up to €120 per day	Up to €120 per day	Up to €120 Per day
5. Reconstructive Surgery. Reconstructive surgery following an Accident or following surgery for an event covered by this Policy	Full refund	Full refund	Full refund
OUTPATIENT CHARGES	PLATINE HOSPITAL	PLATINE FRANCE	PLATINE GLOBAL
6. Out-Patient charges including: i) Medical Practitioner or Specialist fees as an Out-Patient including home visits ii) Diagnostic and surgical procedures as an Out-Patient including scans, pathology, Xrays, oncology. iii) Prescribed Drugs and Dressings iv) Physiotherapy Home Nursing where referred by a specialist Max 30 days per medical condition	x x x Prior to admission to Hospital max 90 days after discharge up to €1.600 x x x	Up to 300% of TDC Full refund Full refund Full refund	Full refund Full refund Full refund Full refund
7. Alternative Medicines Limited to Acupuncture, Homeopathy, Chiropractic and Osteopathy on referral of a specialist	Not covered	Up to €400 per period of cover	Up to €400 per period of cover
8. Cash Benefit Where Hospital accommodation and all Treatment costs are provided in a State or charitable institution and no claim is submitted under this Policy, providing that the condition suffered would be eligible for Benefit	€120 per day	€120 per day	€120 per day
9. Routine Pregnancy and Childbirth	Not covered	Not covered	Up to €1.600 Per period of cover after 24 months cover
10. Complications of Pregnancy and Childbirth	Not covered	Not covered	Up to €50.000 Per period of cover after 24 months cover
11. Evacuation/Repatriation. Reasonable travel, accomodation and repatriation expenses of the Insured Person (including one other person necessarily having to travel and/or remain with and /or escort the Insured Person) in the event of Treatment being necessarily undertaken in the Country of Nationality or nearest country with suitable facilities on the certified instructions of a Medical Practitioner or Specialist and with the prior approval of The Insurers	Not covered	Not covered	Full refund
12. Mortal Remains Cover The cost of preparation and transportation of the remains of the Insured Person from the place of death to the Country of Residence, or the preparation and local burial/cremation of the mortal remains of the Insured Person when death occurs outside the Country of Residence.	Not covered	Not covered	Up to €4.000
DENTAL BENEFITS	PLATINE HOSPITAL	PLATINE FRANCE	PLATINE GLOBAL
9. Dental charges including: i) Accidental Damage to Teeth - Treatment received in an Emergency room in a Hospital within 7 days of incurring Accidental damage caused to sound, natural teeth when given by a Medical or Dental Practitioner ii) Routine Dental Treatment. The fees of a Dental Surgeon in respect of routine dental Treatment received at a dental surgery	Full refund Not covered	Full refund Not covered	Full refund Up to €800
ADDITIONAL BENEFITS	PLATINE HOSPITAL	PLATINE FRANCE	PLATINE GLOBAL
Personal Accident Refer to Policy Wording for full details	Not covered	Not covered	Up to €80.000
TERITORIAL LIMITS	Restricted to France	Restricted to France	Europe plus 90 days World Wide Excluding USA and Canada
MAKSIMUM SUMS INSURED Per insured person per Policy Year	€80.000	€80.000	€400.000