Emergency Plus Instant
£498.74 – £3,021.93
This annual international private health insurance policy is popular with customers who have pre-existing health conditions but need an annual healthcare plan to satisfy international visa requirements.
Any pre-existing conditions where you have experienced symptoms or been on a treatment pathway in the two years prior to becoming a policyholder will not be covered. If your condition was cardiac or cancer related in the five years prior to becoming a policyholder it will not be covered. This means you will have to self-fund any treatment privately or be able to access the local healthcare system where you will be living (if there is one).
Once you have been medical advice and treatment-free for two years (five years for heart or cancer) those conditions may become eligible for cover under the terms of your policy. If you do experience symptoms or seek advice and treatment for the condition then the two year / five year exclusion period will start over.
These policies are offered on an individual basis and you can purchase them online immediately.
If you do not have pre-existing health conditions and wish to have a joint or family policy then full medical underwriting is likely to be more cost-effective. You can apply for a fully underwritten policy on the HealthCare International website.
Annual policy limit of $500,000 / €430,000 / £350,000 per insured person, unless a sub-limit is mentioned
Hospital inpatient treatment
- Accommodation, operating theatre, and recovery room
- Day-care surgery / treatment
- Diagnostic procedures
- Nursing
- Prescription drugs & medicines
- Physician, specialist, surgeon, and anaesthetist fees
- Eye surgery (illness and accidents only)
Hospice and terminal care
- Physical, psychological, social, spiritual care and hospital or hospice
accommodation, nursing, and prescription medicines up to of $20,000 /
€17,000 / £14,000 (lifetime benefit limit) - Cancer treatment
- Chemotherapy, radiotherapy, oncology, diagnostics, and prescribed
drugs for treatments received as in-patient and day-patient. - Transportation
- Emergency medical evacuation and medical repatriation
Road ambulance - Repatriation of mortal remains up to $3,000 / €2,600 / £2,100
Other benefits
- Personal Accident cover (in case of death by accident for members over
the age of 18): $25,000 / €21,700 / £17,800
- Pre-existing conditions unless disclosed to and accepted by us
- Outpatient and preventative treatment
- Any Prescription drugs and medicines recommended or given as an outpatient or upon discharge as an in-patient
- Maternity and childbirth
- Dental treatment
- Vision care
- Home nursing
- Prescribed medical aids
- Rehabilitation / convalescence
- Psychiatric, drug or alcohol dependency treatment
- Treatments that are not medically necessary as determined by a medical
professional - Cosmetic surgery and treatments
- Experimental treatment
- Care or treatment arising directly or indirectly from HIV or AIDS
- Contraception, sterilisations, fertilisation, vasectomy, venereal disease, sexually transmitted diseases, gender reassignment and infertility
- Professional sports. Dangerous and hazardous sports are also excluded unless disclosed to and accepted by us
- Reckless acts or intentional injury by you
- Areas of conflict or war zones
The three areas of cover are defined below.
Area 1
Worldwide including the USA and US Minor Outlying Islands.
Area 2
China, Greece, Guatemala, Honduras, Hong Kong, Israel, Jersey, Mexico, Russian Federation, Singapore, Switzerland, United Kingdom.
Area 3
Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal including Madeira and Azores, Romania, Russia: West of the Urals only, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine and Vatican City.
This annual international private health insurance policy is popular with customers who have pre-existing health conditions but need an annual healthcare plan to satisfy international visa requirements.
Any pre-existing conditions where you have experienced symptoms or been on a treatment pathway in the two years prior to becoming a policyholder will not be covered. If your condition was cardiac or cancer related in the five years prior to becoming a policyholder it will not be covered. This means you will have to self-fund any treatment privately or be able to access the local healthcare system where you will be living (if there is one).
Once you have been medical advice and treatment-free for two years (five years for heart or cancer) those conditions may become eligible for cover under the terms of your policy. If you do experience symptoms or seek advice and treatment for the condition then the two year / five year exclusion period will start over.
These policies are offered on an individual basis and you can purchase them online immediately.
If you do not have pre-existing health conditions and wish to have a joint or family policy then full medical underwriting is likely to be more cost-effective.
