If you are an expatriate, or planning to be one, there are compelling reasons why you should never leave home without international health insurance.

In many areas of the world, local medical facilities are inadequate. You may need to return home, or travel to another country for appropriate treatment should the need arise. Local insurance may only cover you in the country where you’re based and with only local medical facilities to rely on, you could be risking your health.

When you depend on your health, having an international health insurance plan will enable you to afford the best treatment available.

Level of Cover

There’s a health insurance solution for everyone within the available range of award-winning international healthcare plans

• Top of the range plans provide the widest cover possible with high-value benefit for maternity care, routine and complex dental treatment, regular preventive health screening, and an exceptionally high amount of cover for the treatment of chronic conditions.

• Mid-range plans offer comprehensive in and out-patient cover and also include cover for maternity and routine dental care.

• You can also opt for a basic plan to have access to all the in-patient cover you will need, but limiting out-patient treatment to post hospital care only keeps the required premiums to a minimum.

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Area of Cover

Medical care in the USA is expensive. That is why the plan we offer enable you to choose between having world-wide cover and cover that excludes the United States of America that keep the premiums lower.

You can op to pay a special premium to enjoy up to $50,000 of cover during temporary trips to the USA of up to 45 days duration. Higher cover for longer trips is also available.

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Worldwide Travel Cover

The international healthcare plans we offer automatically cover you ad your family for medical expenses and evacuation costs.

If you opt for the “Global Travel plan” option, you’ll also benefit from all the usual
cancellation, baggage and other benefits you’d expect from an annual travel insurance plan.

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Personal Accident Cover

This optional benefit pays a substantial lump sum of up to $375,000 if you are involved in an accident which causes a serious permanent injury, disability or even death - all for a small monthly payment.

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Summary of available cover

• In-patient and day-patient hospial accommodation
• Surgery, treatment and tests received whilst hospitalized
• Emergency in-patient dental treatment
• Oncology
• Post-hospital treatment i.e. follow-up consultations, treatment and tests
• Out-patient GP and specialist consultations, treatment and tests
• Complications of pregnancy
• Emergency evacuation cover
• Psychiatric care
• Complimentary medicine
• Chronic condition care
• Health screening
• Emergency dental treatment following an accident
• Maternity care
• Routine dental care
• Complex dental treatment

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