Expatriate health insurance plans are designed for people who spend long periods overseas. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care. This type of insurance ensures access to quality healthcare in all countries within the area of cover. For example, if the chosen area of cover is “Worldwide”, this means that cover will be valid everywhere in the world. If area of cover is “Africa”, then your cover will be valid everywhere in Africa*.

*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

The cost of global health insurance varies based on factors such as age, country of residence, number of members included in the policy, destination countries, coverage level, pre-existing conditions and medical history (for individual and small groups). 

• For a 12-month insurance plan, get an instant quote here.
• Looking for short-term coverage (3 to 9 months)? Get a quick quote here.
  

If you have any queries about our plans and services, please get in touch with our sales team.

You can receive treatment in any country within your geographical area of cover, as shown in your Insurance Certificate*.

• If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy, except for your travel expenses.
• If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility (in some cases travel costs are limited to emergency treatments only, depending on the benefit included in your member plan). To claim for medical and travel expenses incurred in these circumstances, you will need to submit a completed Pre-authorisation Form and receive our approval before travelling.

You can access your Insurance Certificate and Pre-authorisation Form through the Home page of the MyHealth app or portal, simply click on “View Policy” and then go to “Documents”. Done! You have now access to your documents. 

• For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
• For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
• For non-underwritten policies, pre-existing medical conditions are covered subject to the benefits, terms and conditions of the policy. Watch the Video to discover the difference between Full medical underwriting and Moratorium insurance.

For further information, please contact our Sales Team.

Below you will find the definition related to “Cancer screening” that apply to our standard international healthcare plans – these may vary slightly depending on the plans you have, so please consult your Benefit Guide and Table of Benefits to confirm what you are covered for. 

Cancer screening for the early detection of illness or disease are: health checks, tests and examinations, performed at an appropriate age interval, that are undertaken without any clinical symptoms being present. 

Checks are limited to: 

•  Annual gynaecological exam 
•  Mammogram (every two years for women aged 45+, or younger where a family history exists) 
•  Annual prostate screening (yearly for men aged 50+, or younger where a family history exists) 
•  Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists) 
•  Annual faecal occult blood test 
•  BRCA1 and BRCA2 genetic test (where a direct family history exists and where included in your Table of Benefit) 

Separate to the Cancer screening benefit, some out-patient plans also include additional preventative screening cover under “Health and wellbeing checks”. To learn more about our comprehensive cancer coverage, view our brochure.
If you are already a member, please see your Table of Benefits and Benefit Guide to confirm your coverage.