We think that international health insurance should do more than just give you peace of mind for your life abroad. As well as providing first-class service and affordable international medical cover, our insurance plans are packed with useful healthcare benefits for the small things like paying for prescription drugs, right up to the big things like surgery, cancer care and medical evacuation.

Benefit exclusions: The UltraCare plan and Maternity add-on plan do not cover claims for, arising from or connected with the following benefit exclusions unless shown on your Table of benefits, or agreed by us in writing.

  • BE1: This benefit exclusion applies if your underwriting terms are moratorium or CPME previously moratorium, as shown on your Certificate of insurance. See benefit exclusion BE2 if your underwriting terms are FMU or CPME previously FMU, as benefit exclusion BE1 does not apply to these underwriting terms. Benefit exclusions BE1 and BE2 do not apply if your underwriting terms are MHD.
    • A pre-existing medical condition or related medical condition that, within a 24-month period before the date of joining or the date shown on the special terms section of your Certificate of insurance, has one or more of the following characteristics:
      • was foreseeable;
      • clearly showed itself;
      • you had signs or symptoms of;
      • you asked for advice about;
      • you received treatment for;
      • to the best of your knowledge, you were aware you had.
    • Pre-existing medical conditions or related medical conditions may be covered after you have had 24 months’ continuous cover under the plan and within that time you have not:
      • experienced symptoms;
      • asked for advice; or
      • needed or received treatment, medication, or a special diet.
    • If you have:
      • experienced symptoms;
      • asked for advice; or
      • needed or received treatment, medication, or a special diet;

then you will have to wait until you have completed a continuous 24-month period when none of these apply to you. Pre-existing medical conditions or related medical conditions may then be covered. This is the rolling part of the moratorium.

  • BE2: This benefit exclusion applies if your underwriting terms are FMU or CPME previously FMU, as shown on your Certificate of insurance. See benefit exclusion BE1 if your underwriting terms are moratorium or CPME previously moratorium, as benefit exclusion BE2 does not apply to these underwriting terms. Benefit exclusions BE1 and BE2 do not apply if your underwriting terms are MHD.
    • A medical condition or symptom that you were aware of before your start date unless we were given all the information we asked for in the application and we have not specifically excluded the medical condition or symptom as shown on your Certificate of insurance.
  • BE3:  Costs that exceed a limit shown on your Table of benefits.
  • BE4:  A benefit not included on your plan.
  • BE5: A benefit not included on your plan at the time the costs are incurred, even if the benefit was included in any previous plan year.
  • BE6: A benefit included on your plan, if you have not completed the waiting period shown on your Table of benefits.
  • BE7 Pregnancy, childbirth or postnatal costs, whether complicated or not.
  • BE8 Any journey made specifically for the purpose of receiving medical treatment, unless you have requested pre-authorisation and we have given our approval.
  • BE9 Non-emergency transportation.
  • BE10 Burial, cremation, or the costs of moving your body or mortal remains, if you die in your home country.
  • BE11 Any journey, activity, action or pursuit carried out against the advice of a medical practitioner, specialist, nurse or therapist.
  • BE12 Treatment given, or referrals made by, a medical practitioner, specialist, nurse or therapist who is in any way related to you, and self-prescribed treatment or self-referral if you are a medical practitioner, specialist or therapist.
  • BE13 Alcohol, drug or any other intoxicating substance abuse, any addictive condition of any kind and any medical condition arising directly or indirectly from any such abuse or addictive condition.
  • BE14 You being under the influence of alcohol, drugs or any other intoxicating substance.
  • BE15 Male to female or female to male gender reassignment.
  • BE16 Tests or treatment for, or because of, sexually transmitted infections.
  • BE17 Experimental or unproven treatment, unless you have requested preauthorisation and we have given our approval.
  • BE18 Bone marrow transplants, the costs of finding and obtaining an organ, costs as a result of removing an organ from a donor, any costs related to the transplant of an organ that is not obtained in accordance with the World Health Organisation’s guidelines, costs of removing an organ from you to transplant it into another person, and any resulting complications.
  • BE19 Cryopreservation, implantation or re-implantation of living cells or living tissue, whether taken from your own body or provided by a donor. Costs of removing living cells or living tissue from you to implant or re-implant into another person, and any resulting complications.
  • BE20 Foetal treatment.
  • BE21 Terminating a pregnancy.
  • BE22 Congenital abnormalities or birth defects.
  • BE23 Suicide, attempted suicide or any deliberate, self-inflicted medical condition.
  • BE24 Putting yourself in needless danger, except in an attempt to save human life.
  • BE25 Any medical condition suffered by military, naval or air force personnel engaging in any military, naval or air force operation or exercise.
  • BE26 Any medical condition you suffer as a result of taking part in, or engaging in, any one or more of the following:
    • an illegal or criminal act;
    • military activity, war, riot, revolution, strike, lock-out or civil commotion;
    • terrorism, usurped power; or
    • any similar event.
  • BE27 Contamination from biological, chemical or nuclear materials, including waste products from the combustion of nuclear fuel. Any biological, chemical or nuclear weapon of mass destruction, whether or not as the result of an explosion.
  • BE28 Treatment received and costs incurred outside your area of cover.
  • BE29 You engaging in professional sports or using a weapon or firearm for any purpose.
  • BE30 Sleep apnoea, sleep-related breathing disorders, snoring or insomnia.
  • BE31 Developmental disorders of the brain, learning disorders, learning difficulties, speech problems and voice problems.
  • BE32 The costs of:
    • cosmetic, reconstructive or remedial treatment; or
    • replacing any implant;
    • including any related complications, whether or not the treatment, replacement or complications are for psychological reasons.
    • We will pay these costs if an in-patient or daycare surgical operation is needed as the result of an eligible medical condition that first occurred after your date of joining.
  • BE33 Removing fat from any part of the body, breast reduction or breast enlargement.
  • BE34 Treatment in a quarantine, isolation ward or unit, nursing home, hydro spa, spa, health farm or similar facility.
  • BE35 Charges incurred for overdue payment of invoices.
  • BE36 Myopia, hypermetropia, astigmatism, natural or non-medical degenerative sight or hearing disorders, aids to help with your sight or hearing, contact lens solutions, eye drops, sunglasses or prescription sunglasses. Preventative services and examinations for sight or hearing.
  • BE37 Treatment needed as a result of tattooing or piercing any part of the body
  • BE38
    • Costs of: 
      • precious crowns;
      • dental implants;
      • removable bridges;
      • dentures; or
      • false teeth,
      • preventative dental services, including but not limited to:
        • sealants;
        • fluoride treatment; or
        • scraping, cleaning and polishing, or
        • orthodontic treatment.
  • BE39 Compulsive or addictive eating disorders or homesickness.
  • BE40 Obesity, special diet or weight control.
  • BE41 Costs of:
    • vitamin, mineral or organic supplements;
    • children’s food or baby supplies; or
    • products that can be obtained without a prescription, including, but not limited to, mouthwash, toothpaste, antiseptic lozenges or sprays, shampoo and sunscreen.
  • BE42 Supplying, fitting or maintaining any external prostheses, appliance or device. The cost of renting or buying wheelchairs or other equipment, medical or otherwise. We will pay for a spinal support, knee brace or air cast boot if it is part of a surgical operation or part of the treatment of an eligible medical condition. We will also pay for crutches if medically necessary for the treatment of an eligible medical condition.
  • BE43 Costs of:
    • completing Claim forms;
    • completing or obtaining any other documents;
    • hospital administration fees; or
    • any registration fees.
  • BE44 Any consequential loss.
  • BE45 Costs incurred before your start date or after your end date.
  • BE46 6 Any costs relating to in-patient, daycare or out-patient treatment in a hospital:
    • received at the time of your start date; or
    • that you were aware of at your start date; whether the treatment was planned or not, unless you have told us about it and we have accepted it.
  • BE47 Drugs or dressings that:
    • are not recognised by the pharmaceutical regulator in the country where treatment is provided;
    • are available without prescription; or
    • are prescribed for a medical condition that is different to the one that you are claiming for.
  • BE48 Costs as a result of proven medical negligence or malpractice.
  • BE49 Any deductible that applies to your plan.
  • BE50 Costs of:
    • ontraception or sterilisation;
    • treatment for sexual problems,including impotence, whatever the cause;
    • fertility or infertility tests or treatment;
    • assisted reproduction; or
    • surrogacy.
  • BE51 Any treatment needed for a newborn child if the pregnancy was the result of assisted conception.
  • BE52 Invoices, Claim forms, medical reports or any other documents that have been altered or amended.
  • BE53 Travelling in, or on, a motorised vehicle as a driver or passenger:
    • if the driver does not have a valid licence as required by local law; or
    • you are not wearing the necessary safety equipment.
  • BE54 Antenatal 3D or 4D ultrasound scans.
  • BE55 Health education programmes or services including, but not limited to, family planning, antenatal classes and parenting classes.
  • BE56 Treatment of birthmarks.

Benefit exclusions for the Personal accident add-on plan

  • The Personal accident add-on plan does not cover claims for, arising from or connected with the benefit exclusions, BE3 to BE4, BE11 to BE14, BE23 to BE27, BE29, BE43, BE44, BE47, BE52 and BE53 listed in the ‘Benefit exclusions’ section and the extra benefit exclusions listed below.
  • BEPA Aviation other than as a fare-paying passenger in a fully-certified passenger carrying aircraft, flown in the course of licensed operation for transporting passengers by licensed crew
  • BEPA2 Engaging in manual or dangerous occupations or hazardous pursuits.
  • BEPA3 Any accident that happens before your start date or after your end date.

Benefit exclusions for the Travel add-on plan

  • Section A of the Travel add-on plan does not cover claims for, arising from or connected with benefit exclusions BE3 to BE5, BE9 to BE27, BE29 to BE45, BE47 to BE53 and BE56 listed in the ‘Benefit exclusions’ section and the extra benefit exclusions below
    • BET1 Trips made for the specific purpose of receiving medical treatment.
    • BET2
      • A medical condition that:  
        • clearly showed itself;
        • you had signs or symptoms of;
        • you asked for advice about;
        • you received treatment for; 
        • to the best of your knowledge, you were aware you had;
      • within the 24-month period before:
        • the date of booking a trip; or
        • your date of joining as shown on your Certificate of insurance; whichever is later.
    • BET3 A pregnancy when:
      • you are travelling against your medical practitioner’s advice;
      • you are 26 weeks or more into your pregnancy when you start your trip;
      • there have been complications relating to your pregnancy before your trip;
      • iit is a multiple pregnancy; or
      • the pregnancy is the result of assisted reproductive programmes, for example, IVF.
    • BET4 Any treatment that is not immediately necessary and can wait until you return to the country where you live.
  • Sections B to I of the Travel add-on plan do not cover claims for, arising from or connected with benefit exclusions BE3 to BE5, BE11 to BE17, BE22 to BE35, BE37, BE39, BE43 to BE49, BE52, BE53, BE56, BET2 and the benefit exclusions listed below.
    • BET5 Leaving your baggage:
      • with a person you have not previously met;
      • in a public place where it can be taken without your knowledge; or
      • at a distance from which you cannot prevent it from being taken.
    • BET6 Unauthorised use of your traveller’s cheques or credit cards.
    • BET7 An aircraft or sea vessel being withdrawn from service, whether temporary or otherwise, on the recommendation of a relevant port authority, the civil aviation authority or any similar organisation.
    • BET8 Strike or industrial action taking place, or publicly declared on, or before, the date the trip is booked.
    • BET9 Neglect, or failure to act, by the provider of transport or accommodation, or any agent the travel arrangements were made through.
    • BET10 Expenses payable by, or to, the travel agent, tour operator, accommodation provider, airline or other carrier.
    • BET11 Proceedings taken against a tour operator, travel agent or carrier.
    • BET12 Any person, organisation or company becoming insolvent or being unable or unwilling to fulfil any part of their obligation to you.
    • BET13 Shortages due to loss of value, omission, exchange or mistakes.
    • BET14 Changes in exchange rates.
    • BET15 Any costs you have to pay for visas needed in connection with your trip.
    • BET16 Any costs you would normally have to pay in connection with your trip.
    • BET17 More than the cost of the original trip.
    • BET18 Government regulations or acts and currency restrictions.
    • BET19 Loss, damage or expense, as a result of travelling to an area that the government of the country where you live, or the government of your home country, has advised against travelling to. Sections B, D, G and H of the Travel add-on plan do not cover claims for, arising from or connected with the below.
    • BET20 You deciding not to travel, not enjoying your trip, or not travelling because you could not afford it.
    • BET21 Cancellation due to terrorist acts or the threat of a terrorist act, unless the government of the country where you live, or the government of your home country, has advised against travelling to the area.
    • BET22 Unused accommodation, activities or travel arrangements, or any administration costs that your travel agent, tour operator or provider charge for refunds in relation to these.
    • BET23 Extra charges made by the travel agent, tour operator, accommodation provider, airline or other carrier.
    • BET24 Failure to tell your travel agent, tour operator or provider of transport or accommodation as soon as you know that you need to cancel your travel arrangements.
    • BET25 Cancellation or curtailment of your trip if you knew that you may need to do so at your date of joining this plan or when booking your trip, whichever is later
  • Sections F, G, H and I of the Travel add-on plan do not cover claims for, arising from or connected with the below
    • BET26 Any extra value an item may have had because it formed part of a pair or set.
    • BET27 Costs of:
      • damage due to moth, vermin, atmospheric conditions or climatic conditions;
      • wear and tear, or gradual deterioration;
      • loss of value;
      • mechanical or electrical breakdown;
      • damage caused by any process of cleaning, repair or restoration; or
      • damage caused by leaking powder or fluid carried within your baggage.
    • BET28 Breakage of fragile items, including, but not limited to china, glass and sculptures.
    • BET29 Damage to clothing or sports equipment when in use.
    • BET30 Loss due to customs or any other authority legally taking or destroying your belongings.
    • BET31 Loss of, or damage to, stamps, documents, deeds, manuscripts or securities of any kind.
    • BET32 Loss of, or damage to, goods, samples or tools hired or held in trust by you, that you do not own.
    • BET33 Loss of, or damage to, jewellery or photographic equipment carried in your baggage unless with you at all times.
    • BET34 Loss of, or damage to, contact or corneal lenses.
    • BET35 Loss or theft of cash, traveller’s cheques, postal or money orders, passports, travel documents, or any valuables not personally carried by you, unless held in a safety deposit box or safe that is not in your room or apartment.