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This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. 

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.

Terms and conditions and regulatory restrictions apply.

* 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.

• 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.

Below you will find the definition related to “Cancer screening” that apply to our standard international healthcare plans – these may vary slightly depending on the plans you have, so please consult your Benefit Guide and Table of Benefits to confirm what you are covered for.

 Cancer screening for the early detection of illness or disease are: health checks, tests and examinations, performed at an appropriate age interval, that are undertaken without any clinical symptoms being present.

Checks are limited to:

• Annual gynaecological exam
• Mammogram (every two years for women aged 45+, or younger where a family history exists)
• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
• Colonoscopy (every five years for members aged 50+, or40+ where a family history exists)
• Annual faecal occult blood test
• BRCA1 and BRCA2 genetic test (where a direct family history exists and where included in your Table of Benefit)

Separate to the Cancer screening benefit, some out-patient plans also include additional preventative screening cover under “Health and wellbeing checks”. To learn more about our comprehensive cancer coverage, view our brochure.

If you are already a member, please see your Table of Benefits and Benefit Guide to confirm your coverage.