• Eligibility: US Citizen/ Non US Citizen Age 0-99 Travelling outside their home Country.
  • Coverage Length: This policy is an annual contract. This means that, unless it is terminated earlier or renewed, the cover will end one (1) year after the start date.
  • Flexibility: Flexibility to tailor a plan to suit your individual needs.
  • Renew: If you choose to renew, you do not need to do anything, and your cover will be renewed automatically for another twelve months.
  • ID card - Purchase online to print ID-card online.

  • Doctor Visit: Up to policy max.
  • Urgent care Up to policy max.
  • Hospital room and board: Average Semi-Private room
  • Physical Therapy: $5000.
  • Ambulance: Up to policy max.
  • X-rays & Lab Services: Up to policy max
  • Surgery: Up to policy max.

Complete details are given in certificate of insurance.

  • Non-medical admissions or stays in hospital.
  • Sleep disorders unless there are indications that the beneficiary is suffering from severe sleep apnoea.
  • Life support treatment (such as mechanical ventilation) unless such treatment has a reasonable prospect of resulting in the beneficiary’s recovery.
  • Footcare by a Chiropodist or Podiatrist.,
  • Costs of hospital accommodation for a deluxe, executive or VIP suite.
  • Treatment for or in connection with speech therapy.
  • Disorders of the temporomandibular joint.

Complete details are given in certificate of insurance.

Acute Pre-Ex Coverage

There may be some medical conditions that we agree to include at an additional premium. Our Underwriters will determine whether we are able to include a medical condition that would normally have been excluded. Where applicable, we will present you with a quote with the option to include the condition.

We will write to you at least one (1) calendar month before the end date and ask you whether you want to renew the cover you currently have. We will also inform you of any changes to the premiums, definitions, benefits and terms and conditions which will apply on renewal.  If you choose to renew, you do not need to do anything, and your cover will be renewed automatically for another twelve month.

If the policy does not meet your needs, or has not been issued in accordance with your intention, you may ask us to cancel it within fourteen (14) days of the start date shown on your Certificate of Insurance. If no claims have been made, and no guarantees of payment or prior approvals have been put in place, we will refund any premium which has been paid.

Our Customer Care Team will help you find a high quality hospital or doctor near you. Wherever possible, we will pay them directly, saving you the inconvenience of paying for your treatment yourself and claiming a refund later. On the rare occasion you do pay for treatment yourself, we’ll aim to process your claim within 5 working days after receiving all necessary documentation

Any claim is subject to the applicable deductible, cost share and limits of cover set out in these Policy Rules, the Customer Guide, and your Certificate of Insurance.