Personal

How our international health insurance works

All the details you need

We've got you covered

  • Hospital charges taken care of – including surgery. 
  • Ambulance transport to get you to where you need to be. 
  • Dental care if you need a filling or damage your teeth. 
  • Dedicated case management support if you’re diagnosed with cancer.
  • Cancer treatment, including chemotherapy, radiotherapy and a wide range of drugs – including experimental drugs.
  • Get a second opinion from leading experts if you’re unsure - and a medical case manager to oversee your treatment. 
  • Emergency evacuation and repatriation to get you to treatment and home again.
  • Online servicing:  add or track your claims or send us secure messages.

Four simple steps to get the right cover for you

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1. Choose your area

Include the USA or exclude it. It’s that simple.

Area 1 – Worldwide

Area 2 – Worldwide, excluding the USA

You’re covered everywhere in your area, whether you’re at home, on holiday or on a work trip.

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2. Choose the cover level that suits you

Standard – for superb value

Comprehensive – including out-patient treatment –  the most popular cover level

Prestige – for more reassurance, including travel insurance

Prestige Plus – for ultimate cover

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3. Tailor your cover even further to match your needs

Upgrades help you customise your cover even more. Depending on the cover level you choose, you can add out-patient treatment, international travel insurance or dental care.

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4. Manage your costs by adding an excess

We offer plenty of excess options if you want to lower your monthly cost – from €125 to €2,500.

If you choose our Standard cover level without an out-patient upgrade, you have two higher options (€6,375 and €12,750) to bring costs down even further.

Get a quote today

Give us a call on +44 (0)1892 596418*.

  Standard Comprehensive Prestige Prestige Plus
Hospital charges and surgery
Second opinion service
Emergency cover, evacuation and repatriation
Wide range of cancer treatment
Ambulance transport
CT, PET and MRI scans
Dental care (not checkups)
Out-patient treatment, tests and vaccinations Optional
Out-patient drugs and dressings
Chronic conditions
Eye tests and prescription glasses
Routine pregnancy cover
Annual health checks
Travel insurance Optional Optional
Routine dental checkups Optional Optional
Overall annual plan limit £1,000,000/
€1,275,000/
$1,600,000
£1,500,000/
€1,900,000/
$2,400,000
£2,000,000/
€2,550,000/
$3,200,000
£5,000,000/
€6,375,000/
$8,000,000

More about our cover levels

Some highlights from your cover – download our benefits table for a full list.

Standard cover level

  • Hospital charges and surgery.
  • Second opinion service, including a medical case manager.
  • Emergency evacuation and repatriation to get you to treatment and home again.
  • Emergency in‐patient and day‐patient cover everywhere – even if you’ve chosen cover that doesn’t include the USA.
  • Wide range of cancer treatment.
  • Ambulance transport.
  • Dental care, such as fillings or accidental damage to teeth (routine checkups not included).


Upgrade Standard

  • Extra cover for routine out-patient treatment, such as specialist visits or extra tests.
  • Travel insurance, with all the cover you’d expect, like cancellation or lost luggage.

Comprehensive cover level

Everything in Standard, plus cover for:

  • Routine out-patient treatment, such as specialist visits or extra tests.
  • Drugs and dressings when you’re an out‐patient.
  • Chronic conditions that start after you join, such as asthma and diabetes.
  • Kidney dialysis.
  • A nurse to give chemotherapy or antibiotics by drip at home.
  • Eye tests and prescription glasses.
  • Chinese herbal medicine. 

Upgrade Comprehensive: 

  • Cover for routine dental checkups and care.
  • Travel insurance, with all the cover you’d expect, like cancellation or lost luggage.

Prestige cover level

Everything in Comprehensive, plus cover for: 

  • Routine pregnancy checkups and childbirth.
  • An allowance for annual health checks.
  • Palliative care if you’re diagnosed with cancer.
  • Disability compensation to gives you and your family some financial reassurance if you become disabled.
  • Travel insurance, with all the cover you’d expect, like cancellation or lost luggage.


Upgrade Prestige: 

  • Cover for routine dental checkups and care.

 

Prestige Plus cover level

Prestige Plus adds everything in Prestige, plus: 

  • Extra out‐patient cover.
  • Extra emergency cover in the USA (if you’ve chosen Worldwide excluding the USA).
  • Higher limits to give you more flexibility and treatment choices.
  • Cover for your routine dental checkups and care.
  • Cover for treating HIV/AIDS.
  • Palliative care if you’re diagnosed with any illness.
  • More cover for Chinese herbal medicine.

What's not included

As with most health insurance, there are some exclusions and limits, no matter which cover level you choose: 

  • Our plans are designed to cover the treatment of medical conditions that start after you join. That means the plans don’t cover pre‐existing conditions.
  • The plans only cover for charges for treatment that the hospital or medical practitioner would reasonably and customarily charge in the country where you have the treatment. 


The plans also don’t cover:

  • Treatment outside your area of cover or against medical advice.
  • Treatment for injuries as a result of sports that you receive money for taking part in.
  • Costs for arranging treatment, such as phone calls and travel.
  • Treatment designed to prevent illness rather than treat it.

Get a quote today

Give us a call on +44 (0)1892 708250*.

*Lines are open Monday to Friday, 8am-5pm(UK time).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.