International healthcare insurance FAQs

    • Whether you’re yet to move or settled into your new home, it’s worth spending some time deciding on the best way to protect your health.

      We’ve got the answers to some frequently asked questions from our customers, but please don’t hesitate to contact us if you still have some unanswered queries.

    • Am I covered for the medical conditions I had before I joined?

      There may be some circumstances, for example if you are moving from another insurer or a group plan where we may be able to transfer the terms from your current plan.

      In most cases, to keep our premiums sustainable, our health insurance plans will only cover you for new conditions that develop after you join or that you haven’t needed medical advice or treatment for in the last five years.

      To find out more about cover for conditions you’ve had in the last five years, watch our video:

    • If I buy an international health plan, can I have treatment in other countries?

      With our plans you have the option to have treatment in any country around the world, depending on the area of cover you choose - Worldwide or Worldwide excluding USA.

      Your travel costs (flights, train etc.) are not included in your plan but if you’re back in your home country, in a neighbouring country or even at a medical facility on the other side of the world, we’ll cover any eligible treatment you need.

      If you take out our travel insurance upgrade, we will also pay for any delays, lost luggage or legal expenses included within your plan.

      Find out more about the differences between health insurance and travel cover here.

    • If I move to a different country, can I take my plan with me?

      Our health insurance policies are designed to provide you with global cover and support you anywhere in the world.

      So if you’re moving to a different country, in most cases you’ll be able to take your plan with you. All you need to do is give us a call or contact us through your online account so we can confirm your cover and update your details.

    • Do I have to wait until I’ve left my home country to buy health insurance?

      You can purchase cover when you arrive in your new country or before you go. For extra peace of mind, we can even set up your policy 2 months in advance which means you can sign up to your online account, Customer Online or check where your nearest medical facility will be through MyGlobe.

      You can also make the most of your health benefits before you go. Depending on the level of cover you choose, why not use your policy to get a health check or make sure your vaccinations are up to date.

      You can find more details about our plans here.

    • Can I reduce the cost of my premiums?

      If you’d like the option to reduce your annual health insurance premiums, you can choose to add an excess to your policy. We have five levels of excess to choose from, ranging from £100 / €125 / $160 up to £2,000 / €2,550 / $3,200 per person, per year.

      If you decide to take out an excess on your policy, this is the amount of money you are committing to pay towards the cost of your treatment each year if you need to make a claim.

      Take a look at our video to understand more about how our excesses work:

    • Are there any waiting periods included on your health plans?

      If you take out one of our Standard or Comprehensive plans, there are no waiting periods for any of the benefits included on the policy. On our Prestige and Prestige Plus plans, there is a waiting period on your routine pregnancy and childbirth benefit. In most countries, you’ll need to wait 10 months before you are able to claim for treatment costs related to pregnancy.

      We don’t think you should have to wait to use your benefits, so any other benefits including dental, optical and health checks, included on your plan, can be used straight away for any new conditions that arise after you’ve joined us.

      You can find more details about our plans here.

    • Do you offer a “no-claims” discount?

      Our expatriate health insurance plans are built with your health in mind. We do not offer a “no claims” discount because we’d never want to discourage you from seeking the treatment you need for fear of losing your discount.

    • Can I keep my plan when I return home?

      You can return home to have treatment close to your friends and family at any time throughout the policy year. However if you’re returning home permanently and you’ve built up a medical history with us and enjoyed the extensive benefits provided by your expatriate health plan while you’ve been away, we may still be able to cover you. It depends on where you’ll be living.

      So if you’re interested in keeping benefits such as access to private medical practitioners, maternity benefits or cover for chronic conditions once you’ve returned to your home country, please contact us so we can discuss the options with you.

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    • *Lines are open Monday to Friday, 8am-5pm(UK time).

      Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.