Life Insurance FAQS

Life Insurance FAQS

At HealthCare International we try to keep things as simple as possible, but invariably there will be a few questions about the cover provided under HealthCare International’s range of global medical plans.

Should you wish to raise any issues or discuss any part of your application, that we haven’t covered here or on other documentation, please do not hesitate in contacting our help team, either by:

T: +44 (0)20 7590 8800
F: +44 (0)20 7590 8815

The following questions are those that we find are most commonly asked and which you might find useful.

All of our Life & Income Protection Insurance policies are annual renewable plans and are offered on a single life basis only. We do not offer a Term or Whole of Life policy, nor a joint life, first death policy.

Coverage for a Life Insurance Policy can be any amount from US $50,000 to US $10,000,000, subject to underwriting.

Life Insurance & Income Protection policies are issued in US Dollars, Euros and GBP Sterling. We can also accept payment in other currencies. Please contact us for the exchange rates. Payment is also accepted by bank transfer, by cheque and most credit & debit cards.

A quotation on our "Fast Quote" system is a guide quotation and can change due to location, occupation and previous medical history

The insurance policy is subject to the laws of Trinidad & Tobago.

Your income protection and/or life Insurance policy is administered by our London offices. Our claims department HCI: 24/7/365 is based in London & Canada and can be contacted for advice & pre-authorisation of claims on T: +44 (0)207 590 8816.

The Life and/or Income Protection insurance policy can be designated in US Dollars, Euros or GBP Sterling.

The minimum age for our plans is 18 years of age and the maximum joining age is 59 years of age. The policy can be maintained until the age of 65 years.

Our plans offer a worldwide coverage, subject to any excluded countries, on the Policy Certificate. There may be an additional policy premium charge, for certain higher risk locations.

Payment of annual premiums are payable on or before the start, or renewal date, of the policy issue date.

Premiums are for one year and adjusted at the renewal date, due to age (and location/occupation, if changed, since the inception of the policy).

HealthCare International reserves the right to not renew a policy, at any renewal point.

The annual salary is the monthly salary, multiplied by 12, over the policy year, or the self-employed earnings during this period.

In the event of a claim, under the Income Protection insurance policy, an average of the last three year"s earnings, or other evidence of earnings, are normally taken into account.

The policy premium must still be paid during a claim period.

An applicant for one of our Income Protection policies must be actively at work when he/she applies for a policy with us.

Pre-existing Medical Conditions are normally excluded from claims, unless agreed in advance by the company.

If Medical Tests are required for the underwriting of a new policy, the cost will be repaid to the applicant up to a maximum of US $250, or the equivalent alternative currency, upon issue of the policy and after the 14 day cooling off period has expired.

If the policy is paid on an annual basis, then the repayment of medical costs will be repaid in month two of the policy and in month thirteen of the policy, if monthly paid. If the applicant decides not to proceed with their application, for either a life and/or Income protection policy, the cost of the completed medical tests etc. would not be refunded by HealthCare International.

Authorised benefits during a claim period will be paid, as a percentage of earnings and after the deferred period (13/26/52 weeks) until recovery, death, or reaching normal retirement age (65).

In the event of death of an insured policyholder, an official death certificate (original copy), issued by a doctor, will have to be submitted to HealthCare International.

In the event of a claim of an insured policyholder, proof of employment and proof of salary or self-employed income, will be required to be submitted to the HealthCare International claims department.

HealthCare International will look at every application form, on an individual basis and may impose exclusions, or restrictions of cover, depending upon age, occupation, location and declared medical history.

Cessation of cover occurs upon:
- Reaching retiring age
- If policy premiums are not paid
- No longer in employment/self-employment (Pro-rata income may apply)
- Upon death

Guardian Life of the Caribbean Limited underwrite our policies.
(This company is rated by A M BEST as "A" EXCELLENT)

HealthCare International has over 35 years international healthcare and risk management experience.

Please address any comments or complaints, to our Compliance Officer, at the following address:
The Compliance Officer
HealthCare International
160 Brompton Road
London SW3 1HW
United Kingdom

Email us at or telephone us on +44 (0)20 7590 8800