Please note that our terms and conditions regarding this may vary depending on the plans that are available to you – so please check your Benefit Guide to confirm where you can receive treatment.

However, if you are under one of our standard International Healthcare Plans, note that you can avail of treatment in any country within your area of cover*, if the necessary medical treatment for which you are covered is not available locally. In order to seek reimbursement for eligible medical treatment and travel expenses incurred (where covered), you will need to submit a Treatment Guarantee Form for approval prior to travel.

If the necessary medical treatment for which you are covered is available locally, but you choose to travel to another country within your area of cover for treatment, we will reimburse all eligible medical costs incurred within the terms of your plan, however, we will not pay for travel expenses incurred.

Please note that as an expatriate living abroad, you are covered for eligible costs incurred in your home country, provided that your home country is within your area of cover.

*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.

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. 

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.