Frequently Asked Questions
Everything you need to know about eligibility, cover regions, billing, claims, and applying for international medical insurance.
General Coverage
Who is eligible?
Our plans are designed for expatriates and long-term residents abroad aged 0 to 70, or for people living in a country where health insurance is required.
Where can I receive treatment?
You will be covered for worldwide treatment excluding the USA on all tiers of cover, including treatment in your home country.
Can I choose a hospital?
Yes. You can choose any hospital or clinic. You can also ask the insurance company for recommendations based on your situation.
Travel and Family
Can I add family members?
Yes. A partner and children can usually be added to one application when the details are submitted together.
Does this work if I have recently moved abroad?
Yes. You can also insure prior to moving abroad. Policies can be arranged to start on a future date if required.
Do I still need travel insurance?
Medical insurance and travel insurance solve different problems. Many clients keep both for separate risks.
Billing and Premiums
How is my premium calculated?
Premiums are based on plan level, region, age, payment frequency, and optional extras.
Can I pay monthly?
Monthly, quarterly, semi-annual, and annual options may be available depending on underwriting and setup.
What is the co-insurance discount?
It can reduce your premium by sharing a defined percentage of eligible claims with the insurer.
Claims
What should I do in an emergency?
Call the 24/7 emergency line on your policy card before admission whenever possible.
How do I make a routine claim?
Submit receipts and supporting documents through the member process, then keep us copied if you want help.
Are exclusions possible?
Yes. Pre-existing conditions are not covered. There are no required waiting periods though.
Still have questions?
Our support team can help you understand the cover before you apply.