Specialised International
Health Insurance Plans

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

Your Insurance Certificate is available through the Home page of the MyHealth app or portal, simply click on “View Policy” and then go to “Documents”.

If you require treatment outside the area of cover indicated in your Insurance Certificate, you may still be covered if “Emergency treatment outside area of cover” is listed in your Table of Benefits.

This benefit provides cover for medical emergencies which occur during business or holiday trips outside your area of cover.

In most cases, cover is provided up to a maximum period per trip and up to the maximum benefit amount (as indicated in your Table of Benefits) and includes treatment required due to an accident or the sudden beginning or worsening of a severe illness which presents an immediate threat to your 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 you are deemed unable to travel to a country within your geographical area of cover. Furthermore, the cover doesn’t include charges related to maternity, pregnancy, childbirth or any complications of pregnancy or childbirth.

•  If you are covered under a group scheme, you must inform your company’s Group Scheme Manager if you are moving outside your area of cover for more than six weeks.
• If you have an individual policy and you are moving outside your area of cover for more than six weeks, please contact our Individual Business Unit by email at: [email protected]

Check your area of cover and maximum benefit amount on MyHealth Digital Services. Simply login via browser or use the app and click on “My Benefits”.

• 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.

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 plan.

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