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:
| Telephone | +44 (0)20 7590 8800 |
| Fax | +44 (0)20 7590 8815 |
| enquiries@healthcareinternational.com |
The following questions are those that we find are most commonly asked with regard to Travel Cover and which you might find useful.
If you are looking for answers on our other products please try the following locations:
| HealthCare International Annual Multi Trip Travel Plans |
- 1. What is the difference between a Travel Policy and our International Medical Insurance Policy?
- 2. What countries are covered by this policy?
- 3. How long am I covered for?
- 4. What does "home country" mean?
- 5. Am I covered if I am traveling on a working holiday visa?
- 6. What can I claim for?
- 7. Do you cover for winter sports?
- 8. Are pre-existing medical conditions covered?
- 9. Is pregnancy covered?
- 10. Is scuba diving covered?
- 11. Can I cover my children as well?
- 12. How do I claim?
- 13. How do I apply?
- 14. How do I pay for the policy?
- 15. What are the currency options?
- 16. Can I cancel my policy and get a refund?
- 17. Does your policy cover for acts of terrorism?
-
1. What is the difference between a Travel Policy and our International Medical Insurance Policy?
Our International Travel Policy is exclusively tailored to accommodate for incidents
related to regular annual travel, such as Loss of a Passport, Travel Delay, Cancellation
and Curtailment etc. Our Travel Policy also provides cover for Emergency Medical
Treatment. Travel cover is valid for 90 days per trip.
Our International Medical Insurance provides basic to comprehensive medical cover depending on the plan option selected, and designed specifically for expatriates. This cover is for a 12 month period and is applicable to any country that you may choose to reside in. For detailed information about our medical policy, please contact +44 (0) 207 590 8800.
-
2. What countries are covered by this policy?
You are covered anywhere in the world, however some benefits are not covered within the
country you are living in - for example, we don't pay for hospital benefits or loss of
passport in your home country. For full details, please refer to the Travel Policy
Wording.
-
3. How long am I covered for?
You are covered for unlimited trips abroad from your home country, up to a maximum of
90 days per trip, per year.
-
4. What does "home country" mean?
Your Home Country is where you are normally living. We do not provide benefits for any
loss, injury or treatment which is incurred or takes place within your home country. Our
International Medical Plans can cover you for such expenses.
-
5. Am I covered if I am traveling on a working holiday visa?
Yes - our Travel Plan is for anyone anywhere.
-
6. What can I claim for?
The HealthCare International Travel Plan covers you for Cancellation and Curtailment, Personal
Accident, Medical Emergencies, Baggage and Personal Effects, Money and Documents, Travel Delay,
Personal Liability, Legal Expenses, Winter Sports Equipment, Hire of Skis and Ski Packs.
We also pay for a Hospital Benefit, Loss of Passport, Missed Departure and Hijack that occurs outside of your home country.
-
7. Do you cover for winter sports?
Yes - for up to 17 days per policy year - and at no extra cost.
We also pay up to US$500 for accidental loss to certain winter sports equipment. If you can't use your skis, boots or poles as a result of loss, theft or damage, we will pay up to US$250 for replacement hire. We also pay up to US$150 for the costs prebooked lift passes, hired skis and boots, and ski school fees that are cancelled as a result of being unable to ski due to an illness or injury.
We do not cover for off-piste skiing, ski-racing in major events, ski-jumping, ice hockey, or using bobsleighs or skeletons.
-
8. Are pre-existing medical conditions covered?
No pre-existing medical conditions are covered by this travel plan, this also includes
birth defects and congenital abnormalities.
-
9. Is pregnancy covered?
No - pregnancy is a medical condition not covered by travel insurance. Travel
insurance does not provide for planned medical treatment or medical benefits. It is
purely for emergencies that occur whilst a person is abroad.
-
10. Is scuba diving covered?
No - this policy will not be liable for claims arising from this where the use of
under water breathing apparatus is required.
-
11. Can I cover my children as well?
Children under the age of 18 can be placed on the policy.
Children under the age of 16 must be accompanied with an insured parent or guardian.
-
12. How do I claim?
In the event of a claim arising, you need to contact our office, who will forward the
claims form to you. This needs to be completed and all relevant original documentation
attached. Please send this to our office at 160 Brompton Road, London, SW3 1HW, United
Kingdom.
-
13. How do I apply?
The easiest and fastest method to apply is online through our website,
www.healthcareinternational.com.
The application form can also be downloaded and printed from our website, or we will be
happy to fax this to you or post you an original application form.
Please contact our office on +44 (0)207 590 8800, or e-mail enquiries@healthcareinternational.com, and we will be happy to assist you further.
-
14. How do I pay for the policy?
We need to receive payment before any policy documents will be issued and the policy can
be affected. Thus, it is easiest to provide payment by credit card. Should you need to
investigate alternative payment methods, please contact our offices.
-
15. What are the currency options?
Currency options are US Dollars, Euro's and Sterling. The benefit amounts of the policy
relate to the currency that you select to pay in. For example, if you pay $157 for your
policy, Travel Delay is covered up to $3000. If you pay £157 for your policy, Travel
Delay is covered up to £3000.
Regardless of the currency of the country that you visit, you will be reimbursed in the currency that you originally selected to pay your premium in.
-
16. Can I cancel my policy and get a refund?
We trust you will be happy with the cover this policy provides. However, you have the
right to cancel within 14 days of purchase, provided you haven't
departed on your journey or made a claim.
-
17. Does your policy cover for acts of terrorism?
Our Travel Plan will cover for Personal Accident and Medical Expenses that occur as a
result of terrorist activity, provided the disturbances were not taking place at the
start of your trip.