FLEXIBILITY
Our plans have different levels of benefits and are split into geographical areas to assist with your choice of the most appropriate cover for your expatriate circumstances.
WIDE RANGE OF BENEFITS
We cover in-patient and day-patient hospital treatment costs, as well as offering a wide range of comprehensive out-patient benefits. In addition, there is cover available for routine dental treatment and routine maternity costs (after 12 months membership).
All our international healthcare plans include evacuation benefits as standard, in case you need emergency in-patient treatment which cannot be given to you at your point of need.
HEALTH CHECKS
We have included cover for routine health checks on our more comprehensive plans (after 24 months membership) as we feel prevention is just as important as treatment!
EMERGENCY ASSISTANCE
All of our plans include access to our 24 hr multi lingual assistance helpline, 365 days per year. For emergency admissions to hospital you should contact us within 48 hours. This will give us the opportunity to arrange the direct settlement of your hospital bills.
CLAIMS SERVICE
Our expatriate claims service is provided by Allianz Worldwide Care who as experts in this area provide our international clients with a fast, efficient and personal service. Claims payments are wired directly to the treatment provider, or if you have paid them your self and are claiming back from us, directly into your bank account. What could be easier?
For a complete list of covered benefits please refer to the Benefits Table of your chosen international healthcare plan.
WHAT WE DON'T COVER
Whilst we try to ensure that our policies are as comprehensive as possible, we cannot provide cover for everything. The following is a list of the major exclusions from our policies:
Pre existing conditions - generally we do not pay for treatment for any condition that you experienced or had treatment or advice for prior to the start of your cover with us. However we may pay for such a condition provided that you have no further treatment, advice, medication, tests or symptoms for that condition in a consecutive 2 year period immediately after the date that your cover starts with us.
Chronic conditions - these are conditions that are not curable and which are generally maintained or managed by ongoing treatment or medication. Examples are asthma or diabetes. We don't pay for the routine maintenance of such conditions, but we may pay for the diagnosis and treatment of new conditions which occur after the start date of your cover with us.
We will pay for cancer treatment if it is diagnosed after your start date with us.
For a complete list of the exclusions to our policies please refer to the Policy wording - Exclusions section.
Our plans have different levels of benefits and are split into geographical areas to assist with your choice of the most appropriate cover for your expatriate circumstances.
WIDE RANGE OF BENEFITS
We cover in-patient and day-patient hospital treatment costs, as well as offering a wide range of comprehensive out-patient benefits. In addition, there is cover available for routine dental treatment and routine maternity costs (after 12 months membership).
All our international healthcare plans include evacuation benefits as standard, in case you need emergency in-patient treatment which cannot be given to you at your point of need.
HEALTH CHECKS
We have included cover for routine health checks on our more comprehensive plans (after 24 months membership) as we feel prevention is just as important as treatment!
EMERGENCY ASSISTANCE
All of our plans include access to our 24 hr multi lingual assistance helpline, 365 days per year. For emergency admissions to hospital you should contact us within 48 hours. This will give us the opportunity to arrange the direct settlement of your hospital bills.
CLAIMS SERVICE
Our expatriate claims service is provided by Allianz Worldwide Care who as experts in this area provide our international clients with a fast, efficient and personal service. Claims payments are wired directly to the treatment provider, or if you have paid them your self and are claiming back from us, directly into your bank account. What could be easier?
For a complete list of covered benefits please refer to the Benefits Table of your chosen international healthcare plan.
WHAT WE DON'T COVER
Whilst we try to ensure that our policies are as comprehensive as possible, we cannot provide cover for everything. The following is a list of the major exclusions from our policies:
Pre existing conditions - generally we do not pay for treatment for any condition that you experienced or had treatment or advice for prior to the start of your cover with us. However we may pay for such a condition provided that you have no further treatment, advice, medication, tests or symptoms for that condition in a consecutive 2 year period immediately after the date that your cover starts with us.
Chronic conditions - these are conditions that are not curable and which are generally maintained or managed by ongoing treatment or medication. Examples are asthma or diabetes. We don't pay for the routine maintenance of such conditions, but we may pay for the diagnosis and treatment of new conditions which occur after the start date of your cover with us.
We will pay for cancer treatment if it is diagnosed after your start date with us.
For a complete list of the exclusions to our policies please refer to the Policy wording - Exclusions section.
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