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.

• 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.