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
160 Brompton Road
London SW3 1HW
Email us at email@example.com or telephone us on +44 (0)20 7590 8800
If you require international medical insurance for you or your dependents, you can complete a secure online application form.
For corporate or group enquiries, just send an email to firstname.lastname@example.org and we will guide you through the process.
You also have the option of requesting an application form to complete and scan/e-mail or fax to our offices. You are welcome to request that we send or fax/e-mail the application form to you.
We will notify you when your application has been received and over the next few days your application will be processed. Subject to your application's acceptance, we will send you your member's pack, normally within 7-10 working days of your policy being issued. If you apply on our website, we will also require a signed and dated copy of your application form before we can pay for any of your claims made against your plan.
You can apply for cover up to 30 days before you would like your policy to start (the inception date).
Once your application has been received, we will process the information you have provided us. If you have answered 'no' to all the medical questions, it can be processed immediately and a policy issued within 48 hours. If you have declared a medical history, your application will be assessed by our underwriting team, which usually takes up to 5 working days.
Once a policy has been issued and your first premium collected, you are covered as per the benefits of the plan that you have selected.
Yes – We ask you to complete a simple medical questionnaire, and do our utmost to keep any restrictions placed against past medical conditions to an absolute minimum. Providing detailed information about an existing or past medical condition will help us to realistically evaluate treatment you may require in the future. This will help to ensure that you do not find yourself with unnecessary restrictions.
We appreciate that some medical conditions may have taken place some time ago and no longer require treatment. In such cases we will try to be as flexible as possible in our underwriting and not automatically exclude past medical conditions. For this reason, it is important that you provide as much information as possible when applying for cover so that we can properly evaluate your application.
At HealthCare International, we define a pre-existing condition as being an illness, injury or related medical condition, which within the last 5 years, you or any dependants included in your application have experienced symptoms or received treatment, medication, advice or investigation.
Any illness or condition occurring between the time of signing and submitting your application to us will also be considered a pre-existing medical condition.
Our Moratorium Policy has a 2 year moratorium waiting period on most pre-existing medical conditions. This means that if you do not experience symptoms or seek medical advice for a pre-existing condition within a continuous 2 year period of cover with us, the condition will likely become eligible for benefit should it reoccur in the future. Should however, the pre-existing condition flare-up during the 2 year moratorium waiting period, or is such that it requires on-going maintenance, the moratorium waiting period starts anew at the point when the condition was last treated or symptoms were present. For Pre-existing Cancer and Cardiac conditions, the moratorium waiting period is extended from 2 to 5 years however we do not class routine check-ups as active treatment, therefore should you remain all-clear after 5 years, you will have full cover.
Full Medical Underwriting is based on the full details of your medical history on your application form. You should provide all the information that is requested. If you’re not sure whether you should mention something it is better to do so otherwise you may be refused payment of a claim in the future. Under full medical underwriting, we will agree your policy based on your medical history. We may also write to your doctor for more information if we require it. In certain cases, you may also be required to attend a medical examination before your health insurance policy is issued. If you have a medical condition that is likely to return, we may issue your policy but exclude this condition (and any conditions relating to it). The condition may be excluded from your cover permanently or for a specified period of time. When you receive your policy you will know specifically which conditions are excluded from your cover. You can then request that we reconsider your cover in future years if the specified conditions have not reoccurred. We will request details from your doctor or your latest medical report relating to the specified condition to determine whether we can reconsider the original underwritten decision. The main advantage of ‘full medical underwriting’ is that it provides certainty as to what you are covered for. Your policy will identify any specific exclusions from your cover so there is no doubt as to what you are covered for – assuming you have declared all information on the application.
Our Short Term Cover policy excludes any pre-existing conditions. This means that any medical treatment for any pre-existing condition or related condition or required treatment or medication, or sought advice for the said condition is excluded from cover.
Almost anyone can purchase a HealthCare International medical policy. Our plans are tailored for expatriates with the only proviso being that you must be aged under 75 when first applying. Annual plans are renewable for whole of life.
Yes – There are some professions perform dangerous activities or experience harsh environments, such as police, the armed forces and sports professionals that require underwriting evaluations and are subject to plan conditions and restrictions. For further information please contact us at email@example.com.
You can choose to have your treatment anywhere in the world, subject to the benefit limits of your chosen plan.
Treatment in the USA is however only available if you select our "Worldwide cover including USA", which is necessary for any member residing in the United States, unless you are a US citizen who spends part of the year back home and covered under a domestic plan or entitled to state benefits such as Medicare.
Selecting our "Worldwide cover excluding USA" does not prevent you travelling there on trips as we will cover accidents/emergency medical treatment up to 60 days per policy year or 7 days with Short Term cover.
Members have complete choice where they have their treatment, and in the event of hospitalisation we will arrange for direct settlement with your provider – avoiding the need to pay any expenses yourself.
Non-emergency treatment in the USA is of course only available if you have selected the "Worldwide cover including USA" policy option.
Your 'Home Country' is your country of origin/nationality and we understand that many of our members living abroad occasionally return home for short visits, where your cover will be continued.
As our plans are tailored for expatriates which means that you must be living outside your home country for at least 6 months each policy year.
Yes – You and your dependents will be covered on the same plan with the same chosen excess and co-pay. An age-rated premium applies for each insured member.
No – However, Holiday Cancellation, as well as protection for other unforeseen travelling incidents such as lost baggage and legal expenses are available under our Travel option.
Yes – Many policies apply a blanket exclusion for War and Terrorism risks however in the unfortunate event that you find yourself in the wrong place at the wrong time, your policy will respond, covering you for medical treatment at either a local treatment centre or if necessary, evacuation to a place of safety.
No – unlike other insurance companies, HealthCare International does not exclude treatment for HIV/AIDS. We provide benefit under all our plans if it is contracted through blood transfusions. We also include cover for Chronic and Dread Diseases.
No – Once the treatment has been pre-authorised, we will settle all reasonable and customary charges for hospital accommodation, surgery and theatre fees etc. up to the specified limits of each plan.
Outpatient treatment and consultations are fully covered under the Executive plan, 75% on the Plus & Premium plans and are not covered under the Standard & Emergency + plans.
Outpatient X-rays and Laboratory Tests are fully covered under the Premium & Executive plans, 75% on the Plus plan and not covered under the Standard & Emergency + plans.
The deductible / excess does not apply to these benefits.
Yes – Our Executive Plan offers a more holistic approach to your total healthcare, including benefits of chiropractic treatments, osteopathy, Chinese herbal medicine, homeopathy and acupuncture, up to the specified limits.
Should you require in-patient treatment, contact the claims department prior to your admission for pre-authorisation. Where possible we will arrange for your medical bills to be sent to our claims department for direct settlement of your bill, avoiding the need to pay any out of pocket expenses yourself.
Please have your HealthCare International Membership Card handy to help us manage the process as speedily as possible.
In the event that local medical facilities are unable to cope with your condition, you or your treating physician needs to contact our 24/7/365 Emergency Assistance Centre immediately. We will then make the necessary arrangements on your behalf, and arrange for you to be transported or evacuated to the nearest facility where you can be treated.
Our 24-hour International Emergency Assistance is provided by HCI 24/7, one of the world's leading and most experienced international emergency assistance organisations. With correspondents & doctors all over the world, HealthCare International is always on hand to help you when you need us most.
Arrange for your treatment with your physician as per usual.
We require a claims form to be completed for each treatment event. It is a two part form, requiring both you and your treating physician to complete designated sections. It is best that you take this form with you to your appointment. Once your treatment is complete, forward this form along with the original bills/invoices to our claims department for reimbursement.
You can also find a Claim Form in your membership pack.
Yes – Once you have been with us for 12 months, both routine maternity and complications of pregnancy are covered on all but our Emergency+ and Short Term plans. We will pay 100% of reasonable and customary charges for inpatient and outpatient treatment, up to the specified plan limits.
You are covered for treatment of a medical condition that arises during the antenatal stages of pregnancy, or for complications that require a recognised obstetric procedure during childbirth. Cover is only provided for caesarean sections required on medical grounds. Elective caesareans and investigations into infertility are not covered.
Yes – Routine Dental care is a standard feature of our Executive Plan and an optional extra for all other plans. This benefit provides for preventative and routine dental cover and includes, subject to policy limits, the cost of dental crowns, bridges, dentures and implants.
With the exception of injuries sustained as a direct result of being a professional sportsman, there are no exclusions relating to usual sporting activities unless specifically noted by HealthCare International in writing. Cover for professional and extreme sportsmen can be offered.
Please contact us for full information.
The benefit will pay for young children, up to the age of seven years, 100% reasonable and customary charges for the child to visit their physician, up to the specified limits of the Plus, Premium and Executive Plans.
Inevitably, there are costs that we cannot cover. However, we try to keep restrictions to a minimum. These restrictions include pre-existing medical conditions during the specified policy periods (moratorium, full medical or pre-existing excluded) and a list of general exclusions that you will find in your plan's policy Terms and Conditions.
Waiting periods apply to a few of our benefits to protect the premium investment made by our existing members. If we had no waiting periods for our dental/optical and pregnancy benefits, people could join when treatment was required, claim for an expensive procedure and cancel their membership until further medical assistance was necessary. This hit and run cycle of membership would cause premiums to escalate at an uncontrollable rate.
Where we haven't arranged to settle directly with your medical provider, we aim to reimburse approved claims with any eligible costs you may have paid as quickly as possible after receiving your completed claim form, the original invoices and receipts.
You can also find a Claim Form in your membership pack.
This varies depending on a member's age, the plan selected, the excess and co-pay selected. Our online quotation system will calculate the premiums for you.
At HealthCare International, we offer multiple levels of excess on most plans. Nil excess will ensure that in most cases you will be reimbursed 100% for your medical treatment. However, having a higher excess (for example: $250 or $1,000) offers a significant discount on your premium and can be linked with your anticipated healthcare needs.
The excess applies to some benefits on a 'per claim' basis. This means that your policy will respond after you have met the first part of every new event up to your chosen excess amount. An example of a separate event could be say breaking your arm in June and then having a heart attack in November. This counts as two events and you will have to pay up to your excess level each time before we take over paying the remainder of your treatment.
If you have renewed your policy and treatment continues into the new benefit year, unlike many of our competitors, you will not be penalised with having to pay another excess.
An additional way to reduce your premium is by opting for a Co-Pay. With this, you will share with us the cost of medical expenses over and above your policy excess. Your maximum out-of-pocket expense is however capped at $/€20,000 (£13,500) limit.
For example, should you opt for a plan with a $1,000 excess and 20% co-pay and you were treated for a medical condition that resulted in $25,000 of eligible medical expenses, you would be responsible for the $1,000 excess plus 20% of $24,000, totaling $5,800.
Credit Card payment is our preferred method of collecting your premiums. If this is not possible, we can accept payment via bankers draft, bank transfer, or cheque. If you are not entirely satisfied with your chosen cover, we will cancel the plan from inception and make a full refund of your premium (providing that you inform us within 14 days of receiving your policy documents, that you have not used the policy in any way, e.g. made a Visa application or a claim made). You will need to return the policy documentation to us before we can issue a refund.
Once cover has been confirmed you will receive a comprehensive membership folder containing details of your chosen plan, your certificate of insurance, a membership card, details of our 24 hour emergency assistance service, claim instructions and a blank claim form, a list of useful contacts together with additional information concerning general health and medical matters.
It is not necessary to inform us of brief travels out of your country of residence; however, any permanent change must be communicated to us as soon as possible. We need to be able to inform you of any ongoing developments with your policy and provide you with updated correspondence.
Changes to your benefit level can only be made at renewal and you will need to inform us within 30 days of your renewal date. Any waiting-periods will still have to be served.
No – as long as your premiums continue to be paid on time, you remain an expatriate (living outside your home-country for most of the year) and you have not misled us in any way, cover will remain in force.
It is important that your premiums are paid on time to ensure you have no interruption to your cover. Failure to pay your premiums on time will likely result in your claims being rejected, and/or your policy being cancelled.
You do not have to do anything, as your policy will renew automatically. We will however be contacting you prior to renewal to inform you of the premium for the upcoming year. We will also be telling you of any material changes to your policy and developments within our service proposition to you. We remain ready and able to assist you at any time in ensuring your plan option remains appropriate for your circumstances.
Should you not wish to renew your policy with us, we will require written notification from you 60 days prior to the renewal date.
We will settle your claim / invoices in the currency of your policy unless we are specifically requested to do otherwise.
We are not responsible for any loss you may incur due to fluctuations in exchange rates, or for any bank charges you may incur when you receive a bank transfer, foreign bank draft or when you cash a cheque from us.
An insurance policy for international students who are studying in the United Kingdom.
Our policy has been designed with the specific needs of the international student in mind.
You must be an international student who is eligible and intending to study in the United Kingdom. You must be enrolled in a course of study with a registered United Kingdom education provider, be present, or intend to be present, in the United Kingdom and be regularly attending classes. You must be under the age of 65 at the date of purchase of the policy.
Anywhere within the United Kingdom, but if you purchase your policy before you leave home, we will also cover you for your direct transit to (and from ) the UK.
Global Student Travel Insurance offers the protection you would expect from a comprehensive travel insurance policy, from medical costs to property loss and travel interruption. But because you are an international student, it also features some special features just for you. Please see our brochure and Benefits Table for more information.
Yes, once you have purchased your Policy we will email you a Member Certificate which summarises the details of your insurance and this can be used to show that you have taken out insurance coverage.
Cover can start as soon as you need it to. You can purchase a policy online in about 3-5 minutes and be covered immediately. Just go to get a quote – have your credit card ready.
Global Student Travel Insurance is brought to you by HealthCare International (HCI). We have been insuring people living away from their home countries for many years and we understand the needs of the expatriate community very well. This means we understand the stress of having something unexpected happen when you are in a foreign country and we know how to help to prevent an incident from becoming a crisis.
Our service centre is based in Central London so you can be assured of first-class, local service in your time zone from a company who knows how things work around here. Our multilingual staff are ready to help via phone or email, or if you prefer you can always come in and deal with us in person.
To make a claim please download a claim form from our website and send it to us along with any required documents (receipts; medical reports or, in the case of damaged or stolen property – proof of ownership and a police or lost property report). You should do this as soon as you can and within 21 days of the loss or event occurring.
If you are to be hospitalised or need any expensive medical treatment (more than £500) please call us first. If you cannot call us please have someone call us on your behalf.
For minor medical ailments, just get the treatment you need and pay for it, then submit your claim form and receipts for reimbursement. For any inpatient or expensive treatment (£500 or more) please call us first so that we can confirm that we can assist you and we may also direct you to a suitable facility to receive the treatment you need.
Please refer to the Policy Wording and Table of Benefits to get a better understanding of what is and is not covered, or call us. Not all medical costs can or will be covered. For example, we do not cover treatment for conditions which existed prior to your policy being purchased. Preventative and cosmetic treatments are generally not covered either and a £50 excess applies to all medical claims.
Simply go online before your current policy runs out and buy a new policy, timed to start the next day to ensure your cover is continuous.
We have a 24/7 emergency service which you can ring at any time in the case of a medical emergency.
No, this policy will not cover pre-existing medical conditions (conditions that were in existence when you first bought your policy).
The first thing to do is to report the loss to the police within 24 hours – this is a requirement of the policy and failure to do so may invalidate your claim. Then when you’ve done that you can submit a claim form to us along with a copy of the police acknowledgement and any proof of ownership of the stolen property, including any original receipts.
When you purchase a policy we will email you all the documents you need, including your policy document. But you can also get a copy to read here.
Yes, if you buy a family policy you can cover yourself, your partner and/ or any of your children (up to 4) under the age of 18. Your family members must be travelling and living with you. If you wish to insure more than 4 children you must contact us.
Yes, it is on our website and it operates during normal business hours.
Our International Travel Policy is exclusively tailored to accommodate for incidents related to regular 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 up to 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.
You are covered anywhere in the world, however some benefits are not available while you are within your home country – for example, we will not pay for hospital benefits or loss of passport. For full details, please refer to the Travel Policy Wording.
Your Home Country refers to the country where you reside on a permanent basis. We do not provide benefits for any loss, injury or treatment which takes place or is incurred within your home country.
You are able to select cover periods of 30 days up to a maximum of 90 days per trip and policy with Single-Trip policies. Our annual Multi-Trip policy covers you for a year but no one trip within this period can exceed 90 days duration.
You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is issued and paid for. Trip cancellation insurance for Single-Trip policies is effective from the point of purchase. The other benefits of cover take effect when you commence your journey.
Single-Trip insurance cover ends on arrival back in your country of residence or where you started your journey on the date shown in your policy, whichever is earlier.
Yes – you can apply for a cover extension for the same type and level of cover one time provided that no claim has been made or will be made for the extended insurance period, the current insurance period has not yet ended and the continuation is extended without a break. In order to arrange your travel cover extension you should visit our website at www.healthcareinternational.com.com entering your policy number and following the steps as outlined on the website or you can call us on +44 (0)20 7590 8800.
Annual Multi-Trip policies can be renewed at the end of the policy year. The maximum trip duration per trip is 90 days.
Yes – our Travel Plan is for anyone anywhere.
Yes – Optional winter sport cover is available for an additional premium.
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 cost of pre-booked 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.
Our annual Multi-Trip policies cover winter sport activities at no extra cost and for up to 17 days per policy year.
No – this plan does not offer benefits for claims arising from events that have occurred where the use of an underwater breathing apparatus was required.
No – pre-existing medical conditions are not covered by this travel plan. This exclusion also applies to birth defects and congenital abnormalities.
Yes – children under the age of 18 can be placed on the policy.
Children under the age of 12 must be accompanied by an insured parent or guardian.
Yes – we will cover up to 74 years of age, but from your 75th birthday we will need to ask a few additional questions, so please call one of team who will guide you through the process.
Your Travel Plan will cover for Personal Accident and Medical Expenses that occur as a result of acts of terrorism whereby the claimant has not been actively or passively involved in terrorist activities and under the condition that the disturbances were not taking place at the start of your trip.
In the event of a claim you can contact our claims department.
F. +44 (0)20 7590 8819
Office Hours: 24:7
Please use the claim form that will be sent to you along side your policy certificate upon completion of your policy purchase. If you do not have a claim form please telephone +44 (0)20 7590 8816 giving details of your policy number and the nature of your claim. You can also write to: HealthCare International, UK Administration, 95 Cromwell Rd, London, SW7 4DL, United Kingdom.
All claims should be submitted within 21 days of the loss or event occurring.
The HealthCare International 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 if specifically selected and the additional premium has been paid.
We also pay for a Hospital Benefit, Loss of Passport, Missed Departure and Hijack that occurs outside of your home country.
We need to receive payment before any policy documents will be issued and the policy can be effected. Thus, it is easiest to provide payment by credit or debit card. We accept American Express, Diners Club, Maestro, Mastercard and Visa. Should you need to investigate alternative payment methods, please contact our offices.
Currency options are US Dollars, Euros 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 or agreed by us.
Insurance premium tax (IPT) is a tax on this travel insurance.
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 have not commenced your trip or made a claim.