Understanding your International Health Plan

We have 35 years of experience in providing International medical insurance for overseas staff. We know that not everyone's business is the same. So we've produced three different levels of cover.

Prestige

• our top of the range plan
• provides all the benefits of in-patient, day-patient, out-patient treatment and non-routine dental treatment
• also offers routine pregnancy cover, adult health screen, disability compensation cover and annual travel insurance.

Comprehensive

• our most popular plan
• provides comprehensive cover for in-patient, day-patient, out-patient treatment and non-routine dental treatment

Standard

• specifically designed for members who do not require out-patient cover
• offers similar in-patient and day-patient cover to the comprehensive option.

The International Health Plan is available for expatriates and also to residents living in their home country. To find out if your company is eligible for the International Health Plan in your country please contact our team of Personal Advisers on +44 (0)1892 508795 9am to 5pm Monday to Friday (UK time) who will be happy to answer any questions you may have.

Areas of cover

Depending on where in the world your employees live, travel to or wish to receive treatment there are three geographical areas of cover designed to suit your needs.

Area 1

Provides worldwide cover.

Area 2

Provides cover throughout the world, except the USA and Canada.

Area 3

Provides European and other specified countries cover.

We define Europe as:

Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Republic of Cyprus (including Akrotiri and Dhekelia SBAs), Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, FYR Macedonia, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal (including Madeira), Romania, Russian Federation, San Marino, Serbia and Montenegro, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Tajikistan, Turkey, Turkish Republic of Northern Cyprus, Turkmenistan, Ukraine,United Kingdom of Great Britain and Northern Ireland, Uzbekistan, Vatican City State.

Whichever area of cover is selected, your employees can receive medical treatment not only in their country of residence, but also in any other country within the chosen area of cover.

All of our levels of cover offer emergency out of area cover. This gives employees the reassurance that they will be covered in countries outside your chosen area of cover whether travelling on business or for pleasure. While there are limits to the amounts you can claim, this does provide both in-patient and out-patient cover for emergency treatment of sudden illness.