Specialised International
Healthcare Plans

This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Family Healthcare Insurance Certificate to confirm which one applies to you.

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your 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 areas of cover are subject to our terms and conditions.

We do not provide travel or holiday insurance, but we have a short-term plan to suit members who need international health insurance for less than a year. Find out more about our short-term cover.

If you would like a quote for travel insurance please contact our colleagues at Allianz Travel.

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

• 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 further information, please contact our Sales team