Diplomacy often takes place far from home. The very nature of your mission requires an international focus.
Taking care of the specific needs of Diplomatic Missions for over 50 years
For over five decades, we have been developing specialized international health coverage tailored to meet the unique needs of ministries of foreign affairs, consulates, embassies, and other diplomatic offices.
Our solutions are designed to offer flexibility, aligning with budgetary constraints, while ensuring seamless access to healthcare. Our medical insurance plans cover a comprehensive range of services, including in-patient, day-care, maternity, and out-patient treatments. Additionally, we offer optional coverage for dental, optical, and repatriation benefits. COVID-19 treatment is also included, subject to terms and conditions.
Your cover is also subject to:
- Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Sanctions suspension clause:
Any benefits, cover and claims payments are suspended if any element of the cover, benefit, activity, business, or underlying business exposes us to:
- any applicable sanction, prohibition or restriction under the United Nations’ resolutions, or
- the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, or United States of America.
The above suspension will continue until such time as we are no longer exposed to any such sanction, prohibition, or restriction.
Doctor visits
Hospitalisation
Vaccinations
Surgeries
Diagnostic tests
Prescribed drugs
Cancer treatment
Option to add a repatriation plan
Health Services
included with your cover
Your employees have access to a range of services gathered in one convenient hub to help protect them from preventable health risks. Our services include Telehealth, Employee Assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more.
The ratings provided are based on recent reviews from individuals who utilize the same type of device as you. Please note that these ratings may not reflect the experiences of all users and are subject to change over time. Individual experiences may vary.
Summit Plans at a Glance
With our Summit international healthcare plans, you can choose a plan that suits the needs of your employees and your budget.
Summit
2500
Broader cover for more day-to-day treatment costs
All the benefits included under Summit 1750, plus others including out-patient treatment, physiotherapy, complementary treatment, complications of pregnancy and childbirth, and palliative care.
Max. Plan Limit:
Summit
4000
Comprehensive cover with additional benefits and higher limits
All the benefits included under Summit 2500, plus others including health and wellbeing checks and cancer screening,
preventive surgery and hormone replacement therapy.
preventive surgery and hormone replacement therapy.
Max. Plan Limit:
Summit
5000
Our highest level of cover
All the benefits included under Summit 4000, plus fertility treatment, bariatric surgery, development delay out-patient treatment, eye and hearing examinations, dietician fees and accidental death benefit.
Max. Plan Limit:
Enhance Your Cover with Optional Plans
Choose from the following:
Repatriation plan
If the treatment your employees need is not available locally, we'll repatriate them to their home country, so they can receive treatment close to their family and friends.
Dental plan
Protect your employee’s oral health with our reliable dental insurance plan, offering cover for dental treatments, surgeries, orthodontics and more.
Optical plan
Your employees can enjoy coverage for prescribed glasses and contact lenses, including thorough eye examinations and laser eye treatments.
Faster onboarding for your group
Getting your group policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical forms to complete. It’s hassle free.
Looking for a tailored plan?
We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.
Why choose us?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the seventh year running.
2M+
Worldwide expertise
Growing network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
48hrs
Quick and efficient
Fully completed medical claims processed within 48 hours.
Looking for a different solution?
Dedicated Support Team for the Ministry of Foreign Affairs
We have a team specifically dedicated to helping Governments providing international healthcare cover to their staff abroad.
Working hand in hand with a number of Ministry of Foreign Affairs over the years, they have forged true partnerships. Our large network of fronting partners and third-party administrators has enabled us to provide sustainable, flexible and cost-effective solutions in all areas of the globe.
Get started today
Talk to our team of experts to discuss the solution that best fit the specific needs of your organisation.
Frequently Asked Questions
We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.
To get a quote, please contact our Group Sales Team by completing this Form.
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you have not had any symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.
For further information, please contact our Sales team.
Members are covered for emergencies only, which occur during business and holiday trips outside of the chosen area of cover (where relevant). Cover is provided subject to policy terms and conditions for up to six weeks per trip within the maximum benefit amount. It includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to their health. Treatment by a doctor must start within 24 hours of the emergency event. Cover is not provided for curative or follow-up non-emergency treatment, even if they are deemed unable to travel to a country within their geographical area of cover. Nor does it extend to charges relating to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth.
Members must tell the company’s Group Scheme Manager if they are going to be outside their area of cover for more than six weeks. The areas of cover are subject to our terms and conditions.
Our Employee Assistance Program (EAP) can support your staff when challenging situations arise in their personal or working life. Additionally, we offer a variety of expatriate services including pre-assignment employee assessment and evaluation, intercultural training and destination and repatriation services.
Certain services that may be included in your plan are provided by third party providers. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of your policy’s terms and conditions, as well as the service’s terms and conditions as set out by the relevant third party service provider. By accepting the third party service providers’ terms and conditions, you enter a separate contractual relationship directly with them. Their services may be subject to geographical restrictions. Full details of the third party service providers’ terms and conditions are available in their websites and in the relevant application and/or platform where services may be hosted. The third party service providers are independent data controllers, and we recommend that you review their privacy notices to understand how they process your personal data. The third party service providers offer non-insurance services that are not intended to be a substitute for in-person medical consultations, diagnosis, treatment, assessment or care. You understand and agree that the insurer, its reinsurer and their administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.
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Awards and Recognition
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Already a member?
Did you know that we have a support page for members with all you need to know to make the most of your cover ?
*It is important to note that our cover may not be suitable for all ministry of foreign affairs, consulates, embassies and attaché offices around the world thanks to the fact that specific rules and regulations vary from country to country. Please ensure an independent advisor is consulted to determine the specific requirements in your jurisdiction.
Certain services that may be included in your plan are provided by third party providers. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of your policy’s terms and conditions, as well as the service’s terms and conditions as set out by the relevant third party service provider. By accepting the third party service providers’ terms and conditions, you enter a separate contractual relationship directly with them. Their services may be subject to geographical restrictions. Full details of the third party service providers’ terms and conditions are available in their websites and in the relevant application and/or platform where services may be hosted. The third party service providers are independent data controllers, and we recommend that you review their privacy notices to understand how they process your personal data. The third party service providers offer non-insurance services that are not intended to be a substitute for in-person medical consultations, diagnosis, treatment, assessment or care. You understand and agree that the insurer, its reinsurer and their administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.