Introducing MediVISA:
Get your quote here for this new low cost plan

Low cost MediVISA covers the serious illnesses that people worry about most, including cancer, heart problems, neurological conditions and other life threatening conditions.

In times of need, MediVISA offers you and your loved ones private treatment abroad (and optionally the UK) with eminent doctors at world-class medical facilities. You have access to the most advanced treatments (not available on the NHS), including Stem Cell Treatment, Proton Therapy and other pioneering treatments.

Get an instant quote by completing your details below...

Key Benefits

  • Access to the latest and most advanced treatments
  • Comprehensive care at international hospitals
  • Treatment by world eminent doctors
  • Travel & accommodation costs including a companion
  • Underwritten at Lloyd's of London
  • Personal concierge service pays and organises treatment and travel
  • Option to include UK hospitals
  • Second opinion service
  • £10,000 lump sum
  • Medication covered up to £60,000 on return
  • Daily cash allowance
  • Repatriation expenses
  • Individual, couple, single parent and family cover
  • Join and get covered instantly online

By completing this form you agree that we may contact you by telephone, SMS or e-mail with details and information about this product. All our calls are recorded for quality assurance purposes and as a record of our conversation.

MediVISA provides treatment abroad at international medical centres of excellence with eminent specialists, who are distinguished experts in their field using the world's latest treatments. For total peace of mind, MediVISA covers the cost of all travel and accommodation for the insured and a companion.

When you join, you are also given the option to take UK Home Country cover for an extra premium. This additionally offer you treatment at premier hospitals in the UK.

Important Policy Details

Key Restrictions & Limitations

As with all insurances there are some key exclusions and limitations of which you should be aware. As such, MediVISA does not provide cover for the following:

  • Pre-existing illnesses or conditions (within 10 years before the policy is taken out)
  • Any claim incurred in the first 90 days of cover
  • Skin cancer (except malignant melanoma) or any cancer in situ

You can learn more about limitations and exclusions by downloading the Policy Summary and/or the Policy Document below.

Important Information

MediVISA Benefits & Comparison Table +

MediVISA - Benefits & Comparison Table

MediVISA provides you with access to the world's most eminent specialists in international medical centres of excellence.

Call us for a quote or more information on: 03333 443653

Or, CLICK HERE to email us

Downloads

CLICK HERE to download the MediVISA Brochure

CLICK HERE to download the MediVISA Policy Summary

CLICK HERE to download the MediVISA Policy Document

CLICK HERE to download the SecurityTrust Key Facts document

The territorial scope of MediVISA is worldwide but not country of residence, which is only available if the Home Country Cover option is selected.

What Is Covered +

What Is Covered?

Your MediVISA policy covers you for the following:

CANCER TREATMENT
Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and the invasion of tissues. This includes leukaemia and Hodgkin’s lymphoma.

CORONARY ARTERY BYPASS SURGERY
The undergoing of surgery on the advice of a consultant specialised in cardiology to correct narrowing or blockage of one or more coronary arteries with by-pass grafts.

HEART VALVE REPLACEMENT OR REPAIR
The undergoing of open heart surgery on the advice of a consultant specialised in cardiology to replace or repair one or more heart valves.

NEUROSURGERY
This means any surgical intervention of the brain (or any other intracranial structures) or benign tumours located in the spinal cord, including minimally or non-invasive techniques.

CONDITIONS THAT RESPOND TO STEM CELL TREATMENT
Autologous and allogeneic stem cell treatment where stem cell therapy is considered a conventional treatment for a specified medical condition and where it has been requested by the treating physician/specialist.

  • Acute Leukaemias
  • Chronic Leukaemias
  • Myelodysplastic Syndromes
  • Haematopoietic Cell Disorders
  • Lymphoproliferative Disorders
  • Phagocyte Disorders
  • Plasma Cell Disorders
  • Other Malignancies
  • Inherited Platelet Abnormalities
  • Inherited Haemoglobinopathies
  • Inherited Metabolic Disorders
  • Histolytic Disorders
  • Inherited Immune System Disorders

CONDITIONS THAT RESPOND TO LIVE ORGAN DONOR TRANSPLANT
The insured receiving a transplant of a kidney, a section of lung, a segment of liver or a section of pancreas donated by a living compatible human donor.

CONDITIONS THAT RESPOND TO BONE MARROW TRANSPLANT
This includes the insured receiving a transplant of compatible bone marrow from:

  • themselves (autologous bone marrow transplant); or
  • a living compatible human donor (allogeneic bone-marrow transplant).
Eligibility & Underwriting Terms +

Underwriting  & Eligibility Terms

To be eligible for cover under this insurance you must be a resident of the United Kingdom and have been registered with a General Practitioner (or equivalent) for the last 10 years.

The policyholder and all those to be covered under this insurance must be less than 65 years old at the start date of the policy. Cover will continue until an insured person reaches 70 years old.

You are covered for all new eligible conditions that you may suffer after 90 days from the commencement date of this insurance.

Any pre-existing conditions that you have suffered in the last 10 years prior to the commencement date of this insurance, will NOT be covered under this policy.

How MediVISA Works +

How MediVISA Works

Your 5 step treatment path

STEP 1.
Once you have received a diagnosis from a GP referred specialist you can call our Claims and Concierge Service.
The service will identify an internationally recognised consultant who is a specialist of your condition. An urgent review of your case will then be arranged.

STEP 2.
The specialist will provide a confidential, detailed analysis of your case.
This report will confirm diagnosis and a treatment plan. It will also include a recommended course of action and answer any questions you may have.

STEP 3.
At this stage you have the option to accept treatment overseas (or within the UK if you have accepted the Home Country upgrade at commencement of your policy).
Depending on your choice, you will be guided in your selection of the most appropriate hospital and medical team, with expertise of your condition.

STEP 4.
If you accept to have treatment overseas, the Claims and Concierge Service will make all arrangements for treatment, travel and accommodation for you and a travel companion.
All cost are covered by your MediVISA policy, subject to policy terms and conditions. We will also actively manage your case and provide support throughout treatment.

STEP 5.
On your return following your treatment, we will ensure that you receive your post-treatment benefits plus any further advice you may require in respect of your treatment plan.
You can now relax and concentrate on recovery.

Optional UK Home Country Cover +

Opting For Treatment In The UK

MediVISA provides treatment for the specified conditions overseas and not within the the UK. However, for an extra premium you can opt for UK Home Country Cover which additionally gives you the choice of accessing treatment in the UK or abroad.

Note that under this option no benefits are provided for travel, accommodation (other than the insured's hospital accommodation) or repatriation. Cash lump sum benefits are paid at 50% of those paid if the insured accepts treatment overseas.

Please note that MediVISA UK Home Country cover is an option that may only be taken at the commencement of your policy or at renewal.

Frequently Asked Questions +

Frequently Asked Questions

ABOUT MEDIVISA SERIOUS ILLNESS INSURANCE

What is MediVISA

MediVISA is an insurance policy designed to ensure that if you (or any family member added to the policy) are diagnosed with a serious illness or condition covered by the plan, you have access to the latest treatments by world leading doctors and at international centres of medical excellence. Once our second opinion service has confirmed your diagnosis and that the treatment is necessary, your plan covers the full cost, as well as travel and accommodation for you and a companion, subject to certain limitations as stated in your policy.

Is MediVISA a private healthcare insurance policy?
Yes and no. MediVISA has elements of both a private medical insurance plan and a critical illness lump sum policy and offers both treatment and a cash lump sum. It can be taken out as a stand-alone or as a top-up to a conventional private medical insurance plan.

So how is MediVISA different from a private medical insurance policy?
MediVISA applies to a specific limited range of serious illnesses and conditions, providing access to specialist treatment abroad (and in the UK but only if the Home Country option is chosen). MediVISA is also different because it includes travel and accommodation costs for you and a companion with treatment costs covered up front. Our Claims Service will assess your claim and if eligible will organize a second opinion, identify the best specialist and medical facility for your needs, arrange the treatment and pay your medical costs directly. Our Concierge Service will then book and pay for your travel and accommodation as well as that of a companion.

Who can take out this policy?
To take out this insurance you must be a permanent UK resident aged between 18 and up to 65 on the date when the policy begins. You must remain a permanent UK resident for the duration of the policy. The insured person may add dependent children to the policy, provided that on the start date each dependent is aged between 30 days and 18 years (inclusive).

Does MediVISA cover treatment in the UK?
MediViSA’s purpose is to provide cover for you and your family to access the latest treatments overseas, with an eminent specialist for the specific conditions and at leading international medical centres.
However, you can also elect to take UK Home Country cover which then offers you access to treatment within the UK.

How will I decide whether treatment outside the UK is best for me?
Following diagnosis from your GP and specialist, you can call our Claims & Concierge Service to discuss your condition. If your condition is eligible they will seek a second opinion from an eminent specialist to confirm your diagnosis and to provide a treatment plan. Where treatment overseas is recommended, the MediVISA Claims & Concierge Service will draw up a personal care plan to help you to make the decision whether to go ahead.

What doesn’t the insurance cover?
MediVISA does not cover pre-existing conditions that you have suffered during the ten years prior to the start date of this insurance. Your MediVISA policy will be invalidated if you cease to be a resident of the United Kingdom.

What is the cost of this insurance?
That depends on which cover and options you decide to take. To get a personalised quote quickly and easily just complete your details in the online Quote and Joining form.

How can I take out this policy?
It’s easy. You can apply online right now by completing the online Quote and Joining form. You’ll need to give a few simple details, including contact information and who will be included in the policy. It is fast and simple to join and your cover starts right away.

Can the policy be cancelled?
Yes. After you take out the policy there is a 14-day cooling-off period from the date you receive your policy document; during this time you can go online to cancel the policy and receive a full refund of any premiums paid.
After the 14-day period you can still cancel, but premiums already paid will not be refunded. To cancel, simply go to www.SecurityTrust.insure/client-login

What if I can’t pay my premiums?
If a premium is not paid within 30 days of the date due we reserve the right to cancel the policy. When this decision is taken we notify you in writing by email. If your premiums are not up to date and you have not made any interim arrangements with us to retain your cover, we will not pay out on any claims you may make.

Can you increase my premiums or cancel my policy at renewal if I make a claim?
No, we will not increase your premiums or cancel your policy directly as a result of you making a claim. Your premiums will only be amended at renewal when you move into a different age band or if you decide to increase your cover with additional benefits or if we have to amend premium rates or discontinue cover for every policyholder in the entire MediVISA scheme.  

What happens if someone dies while receiving treatment overseas?
MediVISA is designed to ensure the best possible treatment for every insured person. However, when someone is seriously ill there is always a possibility that the worst could happen. In the case of death overseas MediVISA covers repatriation to a location in the UK and covers the cost of this. The insured person’s family would then only need to cover funeral costs.

 


CLAIMS AND CONCIERGE SECOND OPINION SERVICE 

Can a specialist give a reliable second opinion without seeing the patient?
They can, provided the information they receive is reliable. We employ a medical team to analyse test results and medical information relating to the insured person’s illness or condition. This is passed on to a specialist who is an international expert in the particular condition.

How do you choose my second opinion specialist?
We analyse information about your illness or condition in detail. We then match you to the most appropriate specialist, chosen from our network of leading specialists who have been verified by their peers as the finest in their particular specialism.

Can I make contact with my MediVISA specialist? What if their first language isn’t English?
We take care of all the arrangements and will communicate directly with your international specialist about your treatment, meaning that you don’t need to. As a point of contact, you will be assigned a UK-based Case Manager who will explain your treatment plan and answer any questions you may have.

 

TREATMENT

Do I have a say in my treatment?
Yes, you will be provided with options for your treatment, based on our claims service’s experience as a medical services provider and their detailed knowledge of international medical specialists. The Case Manager we allocate to you will provide support and guidance to help you decide which is right for you.

Can I be confident that the insurance will cover costs, for example in the USA?
We will ensure that you are provided with a fully funded plan for the treatment that is right for you, at a leading international hospital or centre, in accordance with the highest standards of care available. Costs will be fully covered, up to the maximum insured amount as stated in the policy document.

Does this insurance cover treatment in the UK?
MediVISA is primarily designed to only cover treatment abroad. Of course, you are still entitled to treatment on the NHS or under any other insurance plan that you have.

However, the plan will cover eligible treatment in the UK if you have chosen to buy the MediVISA Home Country option.

If I have preferences about where to undergo treatment will you take them into account?
Yes, your wishes and preferences will be taken into account. However, our overall decision will be based on the recommendations of our internal experts as to the best specialist to treat your illness or condition. We cannot guarantee that this will match your initial preferences.

Will I get help with obtaining a VISA?
Yes. You must provide all the necessary information and ensure you have a valid passport. We will then apply for the VISA on your behalf and cover the cost of this. We cannot guarantee that your VISA application will be approved, but we will undertake to find you treatment in a country that you are allowed to travel to.

Can I choose anyone as my companion?
Pretty much. We do not place restrictions on your choice of companion. Nevertheless, it should be someone who can make decisions for you if any problems arise during your treatment. In the case of a dependent child added to your policy, their companion must be a parent or next of kin.

Will the companion be allowed to stay at the same place as me?
Yes. Your companion will be accommodated in the same building and it may be possible to offer them a bed in the same private room.

Does the policy limit the number of trips abroad I can make for treatment?
No, but all trips abroad for treatment must be approved within your MediVISA plan and arranged by us. They are also subject to the maximum insured cost as stated in the policy document.

Am I limited as to how long I can stay abroad?
No. Provided that your premiums remain up to date the plan will cover accommodation costs for you and your companion to stay until the treatment is complete.

Will I get help being admitted to hospital?
Yes, we can appoint someone with the appropriate language skills to help with the administration and paperwork so that you have nothing extra to worry about when you arrive.

Will I hear from MediVISA during my treatment?
During your overseas treatment abroad your Case Manager will keep in touch. You can contact them with any questions either about the treatment plan or about your claim.

What if I need an interpreter?
We will provide you with translation and interpretation services to ensure you understand your treatment while in hospital. This doesn’t include support for general communication while in the foreign country.

Does the policy include travel and accommodation for my organ or bone marrow donor?
If your treatment is a transplant procedure, the policy covers travel and accommodation for your live donor, as long as the overall cost of your trip falls within the insured maximum as stated in the policy document. A live organ donor is likely to be a close relative.

In the case of a bone marrow transplant, if a suitable live donor cannot be found within your family we may be able to find one through a local or worldwide database.

 

RETURNING HOME

What happens when my treatment is finished?
We will ensure you are provided with a comprehensive report on the treatment you have received together with a care plan for your ongoing recovery. If necessary we will get these translated. We will be happy to talk to you about how your ongoing care can be managed through your private healthcare insurance or the NHS.

What if I need follow-up treatment?
The MediVISA policy covers any follow-up treatment recommended by your specialist, within the overall insured sum and limitations of your plan.

 

MEDICATION

Does the policy include the cost of follow-up medication?
Yes, with certain restrictions. Your specialist may prescribe medication as part of the treatment or to assist your convalescence. This is included and may initially be administered in your overseas hospital. Some further follow-up supplies may need to be dispensed after your return to the UK. The policy covers this further medication, provided that the medication has been approved and licensed for use in the UK and is available there but not on NHS prescription.

Can I buy a year’s supply of medication under this policy?
No. After your return to the UK the policy only covers you for medication prescribed by the international doctor that is necessary for the 30 days after your treatment. The medication must be approved, licensed and available within the UK. Its cost will be reimbursed to you with the limitation that the overall cost of your treatment may not exceed the maximum insured amount. Your Care Manager will be happy to answer any questions about this.

Does the policy cover prescriptions purchased internationally for use in the UK?
No. Your international specialist will prescribe an ongoing care and medication plan that enables you to convalesce in the UK using medication approved, licensed and available there. The doctors who normally treat you through your private healthcare insurance or NHS practice will manage your ongoing care and will prescribe any further necessary medication.

 

DAILY SUBSISTENCE ALLOWANCE AND CASH LUMP SUM

What is the daily subsistence allowance and how will I receive it?
We provide you with a daily allowance (see the Benefit Table) to cover subsistence (essential out-of-pocket expenditure) while in hospital. We estimate the necessary amount before your trip and pay you half of it up front. We pay you the remainder at the end of each week you are in hospital, by bank transfer.

When am I eligible for a lump sum payment and how will I receive it?
You will be eligible for the lump sum benefit amount on return to the UK and payable 30 days after completion of your Treatment Plan (see the Benefit Table).

 

CLAIMS

How do I start a claim?
If you, or anyone covered by the MediVISA plan, are diagnosed by your GP and a specialist with an insured illness or condition covered under the policy, you, or someone acting on your behalf, should tell us as soon as you can. We will explain the claims process and what needs to happen for the diagnosis to be confirmed and the treatment plan to be drawn up.

Can I initiate a claim while I am still awaiting test results?
No, you will need to wait for the results of any medical tests that you have taken. This is because these results will provide important information to help us assess your claim and plan any overseas treatment that may be needed.

Can I claim if I have already started or are receiving treatment or have completed treatment on the NHS or privately?
No, a claim can only be made following the initial diagnosis from your GP and specialist and prior to any treatment elsewhere.

Can I start my treatment abroad before initiating my claim with MediVISA?
No, you must not embark on any treatment or incur any costs without first notifying us and initiating a claim. This is because all claims need to be considered by our internal experts so that your diagnosis can be verified and your approved treatment plan drawn up.

What happens after I have initiated a claim?
Once you have had an initial conversation with us we will assign you a Case Manager to be your point of contact. The Case Manager will answer any questions and guide you through the process as we assess your case and plan any necessary overseas treatment.

 

The Direct Debit Guarantee +

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The
Direct Debit
Guarantee

  • This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
  • If there are any changes to the amount, date or frequency of your Direct Debit Trent-Services (Administration) Limited re SecurityTrust will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Trent-Services (Administration) Limited re SecurityTrust to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
  • If an error is made in the payment of your Direct Debit by Trent-Services (Administration) Limited re SecurityTrust or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.
    -  If you receive a refund you are not entitled to, you must pay it back when Trent-Services (Administration) Limited re SecurityTrust asks you to.
  • You can cancel a Direct Debit at any time by simply contacting your bank or building society.  Written confirmation may be required. Please also notify us.

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