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We cover treatment for COVID-19. Vaccination costs are also covered if you have this benefit within your policy. Please note, cover is subject to terms and conditions, benefit limits and area of cover of the policy and costs must be reasonable and customary.
Please visit our FAQ to see our terms and conditions and to find out more. Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
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You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate.
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.
*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.
Below you will find the definition related to “Cancer screening” that apply to our standard international healthcare plans – these may vary slightly depending on the plans you have, so please consult your Benefit Guide and Table of Benefits to confirm what you are covered for.
Cancer screening for the early detection of illness or disease are: health checks, tests and examinations, performed at an appropriate age interval, that are undertaken without any clinical symptoms being present.
Checks are limited to:
- Annual pap smear
- Mammogram (every two years for women aged 45+, or younger where a family history exists)
- Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
- Colonoscopy (every ﬁve years for members aged 50+, or40+ where a family history exists)
- Annual faecal occult blood test
- BRCA1 and BRCA2 genetic test (where a direct family history exists and where included in your Table of Beneﬁt)
Separate to the Cancer screening benefit, some out-patient plans also include additional preventative screening cover under “Health and wellbeing checks”. Please see your Table of Benefits and Benefit Guide to confirm your coverage.