How do I apply for cover with HealthCare International?
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 enquiries@healthcareinternational.com 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.
When can my cover begin?
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.
Do I need to supply details of my medical history?
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.
What about pre-existing medical conditions?
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.
What is a moratorium, full medical underwritten, pre-existing excluded policy?
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.
Who is eligible to apply for 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.
Are there any occupations that are not eligible to take our cover?
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 enquiries@healthcareinternational.com.
In which countries can I have my treatment?
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.
Do I have a choice where my medical treatment is provided?
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.
What happens when I return to my home country?
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.
Does everyone in the same family have to have the same level of cover?
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.
Does my international medical plan cover me for holiday cancellation due to illness or injury?
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.
Am I covered if I get injured in a terrorist incident?
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.
Many insurance schemes exclude treatment for HIV/AIDS. Is this the case with HealthCare International?
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.
Does HealthCare International limit the amount that can be claimed for hospital accommodation?
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.
Are outpatient treatments and consultations covered?
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.
Can I include cover for alternative or complimentary medical treatment?
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.
What must I do if I require emergency in-patient treatment?
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.
What happens if I become ill and medical facilities are limited?
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.
Who provides HealthCare International's Emergency Assistance Service?
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.
What do I need to do when I require non-emergency medical treatment?
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.
Is Pregnancy and Maternity care covered?
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.
Is dental treatment 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.
Are Sporting activities covered? 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.
What is Well Child Care and what does it cover?
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.
What isn't covered by HealthCare International?
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.
Why are there waiting periods on some benefits?
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.
How quickly are claims normally settled?
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.
How much will a HealthCare International Medical Insurance policy cost?
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.
How does the deductible / excess work?
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.
What is a Co-Pay and how does it work?
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, totalling $5,800.
What are the options to pay for my policy?
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.
What documents will I receive from HealthCare International when I take out a policy?
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.
Claim forms can also be downloaded.
What should I do if I change my address?
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.
When can I change the details of my policy?
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.
Will HealthCare International ever refuse to renew a policy, simply because a claim has been made?
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.
What happens if I don't pay my premiums on time?
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.
What happens when my policy is due for renewal?
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.
What exchange rate will be used to settle my claim?
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.