IPH Emerald Plan
IPH's individual international health insurance with Core, Advance and Deluxe benefit levels.
Plan comparison
| Benefit | Core | Advance | Deluxe |
|---|---|---|---|
| Hospital/day-care | Full refund, subject to policy | ||
| General/specialist outpatient | Not included | Full refund* | Full refund* |
| Cancer and organ transplant | Full refund, subject to policy | ||
| Hospice lifetime limit | $/£25,000 | $/£30,000 | $/£50,000 |
| Stem-cell treatment lifetime limit | Not included | $/£75,000 | $/£150,000 |
| Home nursing | Up to 4 weeks | Up to 8 weeks | Up to 26 weeks |
“Full refund” remains subject to the policy's conditions, overall limits, reasonable/customary charges and any marked restrictions.
Benefits, claims and limitations
All levels publish emergency medical evacuation, medical repatriation and local ambulance cover. Advance and Deluxe add broader outpatient benefits; Deluxe adds benefits including congenital-condition treatment. The current official site links separate “How it works” and FAQ material, while the plan overview supplies the benefit comparison. Applicants must use the current full policy for eligibility, area, deductible, underwriting, exclusions and pre-authorisation.
Official sources
IPH Emerald product page · official GBP plan overview.
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