Home Country Evacuation
The standard policy covers evacuation to the nearest medical facility that can provide the required treatment if the facility you are in cannot provide it. The option of home country evacuation enables you to choose to be evacuated to your home country if Morgan Price agree that it is medically appropriate to do so and there are medical facilities in your home country that can provide the treatment. Morgan Price has to authorise and arrange this evacuation.

Out-patient Co-insurance
By selecting this benefit you agree to pay the selected % of any costs incurred for all out-patient claims. (Out-patient claims are for example doctors visits, medication etc – please refer to the table of benefits for a full list of out-patient benefits).

Excess is the amount you will have to pay towards any claim you make on your insurance. The Excess applies to each named individual on the policy.

For example, if you have an excess of £2,500 per person per year, you will have to pay the first £2,500 towards the cost of any claims you make. If you made a claim of £1,000 you pay the whole claim. If you then made another claim for £3,000 you would pay the first £1,500 and we would pay out the remaining £1,500.

The excess is not applicable to evacuation and repatriation, wellness benefits, cash benefits and dental benefits.