Are you Transferring?
Do you currently have private medical insurance?
Would you like continuous cover?
Would you like to continue your underwriting terms?
Current Underwriting
FMU
Full Medical Underwriting
Continuing your personal medical exclusions from your current insurer
Moratorium
Continuing your current Moratorium underwriting from your previous insurer
If your current underwriting is Medical History Disregarded (MHD) we are only be able to offer our standard moratorium terms.
In order to obtain a quotation on our standard moratorium terms, please select NO to the first question 'Are you currently covered by another insurer?'
Product
International Healthplan
First class private medical insurance for expatriates of any nationality, offering superior benefits including cover for In-patient and Day-patient treatment with optional cover for Out-patient treatment, Routine Pregnancy & Childbirth, Dental Treatment and/or Evacuation & Repatriation
PRIMA PLAN
A international health plan covering all the essential costs of private medical treatment, with the option to include Dental Treatment and or Evacuation & Repatriation. This simple plan is designed to give you total peace of mind.
In-patient & Day-patient
Treatment received by an insured person when admitted to a hospital bed for an overnight stay of one or more nights' duration or as a day-patient.
Professional fees, accommodation, diagnostics, theatre fees, home nursing, medication, chronic conditions, oncology, organ transplants, physiotherapy, transportation, reconstructive surgery, rehabilitation, complications of pregnancy, psychiatric illness, post operative cover, newborn cover – premature births, parent accommodation, cash benefit, emergency treatment outside area of cover.
Out-patient
Out-patient treatment
Treatment received in a recognised medical facility but without admission to a hospital bed.
Professional fees, diagnostics, surgical treatment, medication, chronic conditions, oncology, physiotherapy, chiropody, complementary treatment.
Routine Pregnancy & Childbirth
Routine pregnancy and childbirth including pre and postnatal check-ups, Well Baby Examinations, Newborn Accommodation, Cash Benefits (where acommodation and asociated coast are provided in a State or Charitable Hopsital and no claim is submitted).
We do not cover the following:
1. Any costs incurred for the initial 11 months of cover from purchase date of this benefit or date of entry, whichever is the latter. Conception may take place during this initial period, but only costs incurred after the period will be considered for reimbursement.
2. Antenatal and postnatal classes.
3. Midwifery costs when not associated with the childbirth /delivery.
4. Treatment consequent from the well-baby examination, unless the newborn is added within 30 days of birth to the policy as an insured person.
Dental Treatment
If Dental Treatment has been selected the following exclusions will apply in addition to General Exclusions on page 10. We do not cover the following:
1. Dental procedures other than those specified in the schedule of benefits.
2. Gingivitis, periodontitis or gum disease of any kind.
3. The cost of any precious metals (excluding gold) used in any dental procedure.
4. Dental costs incurred within the first six months from the purchase date of this benefit or date of entry whichever is the latter (excluding Accidental Damage to Teeth).
5. Any dental treatment which was recommended by your dental practitioner or that you were aware (or ought reasonably to have been aware) required treatment before you purchased this benefit or during the first six months of your purchase of this benefit. In the event of a claim, you may be required to
provide evidence that you have completed all necessary dental work recommended prior to your purchase of this benefit.
6. Orthodontic treatment of any kind.
7. Dental surgery when not performed by an oral and maxillofacial surgeon or surgical dentist.
8. Dentures where a set or sets have been worn previously.
9. Implants.
Evacuation & Repatriation
If Evacuation and Repatriation has been selected the following exclusions will apply in addition to General Exclusions on page 10. We do not cover the following:
1. Travel and subsequent accommodation costs unless specifically agreed by us, or our appointed Assistance Company, in writing prior to travel. Any costs incurred without our prior agreement shall not be considered for reimbursement.
2. The cost of any airline tickets other than economy class, unless we have provided written approval in advance of the date of travel.
3. Burial and cremation costs shall not include the costs of a religious practitioner, floral tributes, musical provision, headstones or food and beverages.
4. Any costs incurred where the death has occurred within the insured personfs country of nationality.
5. Any costs incurred as a result of engaging in any sports or activity as a professional or taking part in base jumping, cliff diving, flying in an unlicensed aircraft or as a learner, martial arts, free climbing, mountaineering with or without ropes, scuba diving to a depth of more than 10 metres, trekking to a height of over 2,500 metres, bungee jumping, canyoning, hangliding,
paragliding or microlighting, parachuting, potholing, skiing off piste or any other winter sports activity carried out off piste.
6. Moving you from a ship, oil-rig platform or similar off-shore location.
7. We will not be liable in respect of the overseas evacuation or repatriation service for:
a. Any failure to provide the overseas evacuation or repatriation service or for any delays in providing it, unless the failure or delay is caused by our negligence (including that of the international assistance company we have appointed to act for us), or of agents appointed by either party.
b. Failure or delay in providing the overseas evacuation or repatriation service if:
- by law the overseas evacuation or repatriation service cannot be provided in the country in which it is needed; or
- the failure or delay is caused by any reason beyond our control including, but not limited to, strikes and flight conditions.
c. Injury or death caused while you are being moved unless it is caused by our negligence or the negligence of anyone acting on our behalf.
In, Day & Out-patient
In-patient & Day-patient treatment
Treatment received by an insured person when admitted to a hospital bed for an overnight stay of one or more nights' duration or as a day-patient.
Professional fees, accommodation, diagnostics, theatre fees, home nursing, medication, chronic conditions, oncology, organ transplants, complications of pregnancy, physiotherapy, transportation, reconstructive surgery, psychiatric illness, cash benefit, emergency treatment outside area of cover.
Out-patient treatment
Treatment received in a recognised medical facility but without admission to a hospital bed. Limited to £10,000: €12,000: US$15,000
Professional fees, diagnostics, surgical treatment, medication, chronic conditions, oncology, physiotherapy, chiropody, complementary treatment.
Country
The country in which you normally live at the time of the commencement date or at each subsequent renewal date
Nationality
The country for which you are a passport holder
Routine Pregnancy & Childbirth
Routine pregnancy and childbirth including pre and postnatal check-ups, Well Baby Examinations, Newborn Accommodation, Cash Benefits (where acommodation and asociated coast are provided in a State or Charitable Hopsital and no claim is submitted).
We do not cover the following:
1. Any costs incurred for the initial 11 months of cover from purchase date of this benefit or date of entry, whichever is the latter. Conception may take place during this initial period, but only costs incurred after the period will be considered for reimbursement.
2. Antenatal and postnatal classes.
3. Midwifery costs when not associated with the childbirth /delivery.
4. Treatment consequent from the well-baby examination, unless the newborn is added within 30 days of birth to the policy as an insured person..
Start Date
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