Cover for growing families
Your cover is also subject to:
• Policy definitions and exclusions
• Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
• Any policy endorsements, policy terms and conditions and any other legal requirements.
• Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Digital or in-person support around the clock
Looking for plans for established families?
Build your plan
Care Pro
£ 3,100,000 /
€3,703,705/
US$ 5,000,000/
CHF 4,814,815
Care Plus
£ 2,460,000 /
€ 2,963,000 /
US$ 4,000,000 /
CHF 3,852,000
- Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre
- Where ongoing treatment is required, we will cover hotel accommodation costs
- Evacuation in the event of unavailability of adequately screened blood
- If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs
US$ 1,350 / CHF 1,300
Global Health Services
Optional Core Plan Deductibles
Deductible amount
|
No deductible |
£374/€450/ US$610/ CHF585 |
£625/€750/ US$1,015/ CHF975 |
£1,245/€1,500/ US$2,025/ CHF1,950 |
£2,490/€3,000/ US$4,050/ CHF3,900 |
£4,980/ €6,000/ US$8,100/ CHF7,800 |
£8,300/€10,000/ US$13,500/ CHF13,000 |
Discount on your |
Discount on your Core plan |
|
|
0% premium discount |
0% premium discount |
||
5% premium discount |
2.5% premium discount |
||
10% premium discount |
5% premium discount |
||
20% premium discount |
10% premium discount |
||
35% premium discount |
17.5% premium discount |
||
50% premium discount |
25% premium discount |
||
60% premium discount |
30% premium discount |
Maternity Plans
One of the following maternity plans can be purchased with our Care Pro or Care Plus plans.
Bloom Plus
Bloom
Enhance your cover
Add an out-patient plan and make sure your day-to-day medical costs are covered. Our Active Pro or Active Plus out-patient plans include additional maternity benefits such as:
Pregnancy Yoga
or Pilates
or Pilates
Family expenses
during childbirth
during childbirth
Breastfeeding
consultation
consultation
Post-natal
counselling
counselling
Get your health cover in a few simple steps
Getting your policy is much easier and faster when you choose our Moratorium underwriting option.
There are no medical questionnaires to complete. It’s hassle free.
10% off your international health insurance for life!
Promocode: LIFE10
Selected plans only. T&Cs Apply.
My Expat Life
Why choose us?
Looking for a different solution?
FAQs
You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate.
If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses.
If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit thePre-authorisation Form before travelling.
You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.
Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.
- For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
- For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
For further information, please contact our Sales team.
Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:
- You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
- There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
- Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
- Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
- This option is available to individuals or groups with 3 to 9 policies
- Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.
Full medical underwriting is when we assess the insurance risk before cover starts. This means that:
- You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
- Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
- Claims process is shorter because we already know if pre-existing conditions are covered.
- This option is available to individuals or groups with 3 to 9 policies.
Real stories, real people.
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
ITIJ Award Winner
ITIJ Award Winner
EFMA & Accenture Innovation in Insurance Awards Winner
EFMA & Accenture Innovation in Insurance Awards Winner
UK Health & Protection Award Win
UK Health & Protection Award Win