In a world of increasing international trade, communications and corporation, moving and working abroad is increasingly more common. The provision of healthcare insurance for all expatriates and their family needs to be flexible, comprehensive, simple and cost effective.


What’s generally NOT included in these health plans

Our International Health Plans are designed to cover treatment of medical conditions that respond quickly to treatment – known as acute conditions. So like most health insurance policies, there are a number of exclusions and limitations on the plans and this is just a summary:

  • Pre-existing medical conditions; options to include these are available for company schemes of five or more
  • Routine dentist check-ups for Standard, Comprehensive or Prestige plans (available as an add-on to Comprehensive and Prestige plans)
  • Routine pregnancy and childbirth for Standard or Comprehensive plans (unless the routine pregnancy add-on is purchased)
  • Preventative treatment
  • Ongoing, recurrent or long-term treatment of long-term illnesses (usually referred to as chronic conditions) if you have standard cover
  • Treatment costs incurred as a result of engaging in,or training for, any sport for which you receive a salary or monetary reimbursement.

Full details of what members are and are not covered are available on request.