International Family Health Insurance

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.