Where you have cover

Where does international health insurance give you cover?

A key feature of international health insurance is that you have cover for medical treatment in multiple countries.

This can include where you live, where you travel for work or leisure, and on trips you make home.

Take a closer look at where you have cover with our health insurance plans.

Does my policy give me full cover worldwide?

No. Where you have full cover depends on the coverage zone you select when you apply for your health insurance policy. There are six zones. Some give you full cover in more countries, others give you full cover in fewer countries. The wider your geographical cover, the more expensive your premium. Zones with limited geographical cover give you a greater saving on your premium.

Most zones have a list of countries where you have restricted cover. These are typically countries where private healthcare is expensive. Restricted cover might mean cover for accident and emergency treatment only, or cover for treatment you receive on short trips.

The coverage zones are overlapping, and availability depends on the country where you’re living.

With Zone 1, you have full cover for private healthcare in all countries except the USA. In the USA, we restrict your cover to US$50,000 for accident and emergency treatment you receive during temporary trips to the USA of no more than 45 days’ duration.

Outside of the USA, you have freedom to choose any hospital, clinic, or doctor for your medical treatment. We’re different from other insurance providers because we don’t have a restricted network of preferred hospitals and clinics in each country. Of course, we can help you if you’re not sure where to go.

Zone 1 gives you the widest geographical coverage, so it’s the most expensive.

The cost of private healthcare drives the cost of health insurance premiums. If you have a worldwide health insurance policy, it’s likely that the cost of private healthcare in cities like Vancouver, Hong Kong, and Singapore is putting pressure on your insurance premiums. But if you live in a country where private healthcare is cheaper (e.g., Kenya, Vietnam), why pay for cover in more expensive countries that you may never visit?

With Zone 2, you have full cover in most countries around the world. In countries and regions where private healthcare is expensive, we restrict your cover to US$100,000 for accident and emergency treatment, plus cover for emergency medical evacuations. You have no cover at all in the USA.

Compared with Zone 1, Zone 2 gives you a 20% saving on your premium.

Here’s what cover looks like with Zone 2:

*Countries and regions where we restrict your cover under Zone 2: United Kingdom, all countries in the European Economic Area, Andorra, the Channel Islands, Gibraltar, Greenland, Monaco, San Marino, Switzerland, the UAE, Singapore, Thailand, China, Hong Kong, Macau, Taiwan, Japan, Australia, New Zealand, Canada, and the Caribbean countries and islands.

Zone 3 is like Zone 2; it restricts your cover in countries where private healthcare is expensive.

But there are a few differences between Zones 2 and Zone 3:

• Zone 3 has fewer countries where your cover is restricted
• The restrictions are slightly different
• Zone 3 is only available to residents of Indonesia
• Compared with Zone 1, Zone 3 gives you a 15% saving on your premium

With Zone 3, you have full cover in most countries around the world. In countries and regions where private healthcare is expensive, we restrict your cover for elective treatment to 80% of costs. For accident and emergency treatment, we cover 100% of costs up to US$100,000. You have no cover at all in the USA.

Here’s what cover looks like with Zone 3:

*Countries and regions where we restrict your cover under Zone 3: China, Hong Kong, Macau, Taiwan, Japan, Singapore, Switzerland, and the London area.

Zone 4 is great if you’re living in Africa or the Indian subcontinent and you’re not too worried about having full cover while you’re travelling outside these regions.

With Zone 4, you have full cover in all countries across Africa and the Indian subcontinent. Outside these regions, we restrict your cover to US$100,000 for accident and emergency treatment, plus cover for emergency medical evacuations. You have no cover at all in the USA.

In return for these restrictions, you get a 50% saving on your premium.

Here’s what cover looks like with Zone 4:

*Countries that belong to the Indian Subcontinent: Bangladesh, India, Pakistan, and Sri Lanka.

Zone 5 is great if you’re living in Africa or the Indian subcontinent and you’re not too worried about having full cover in South Africa or while you’re travelling outside these regions.

With Zone 5, you have full cover all countries across Africa (except South Africa) and the Indian subcontinent. In South Africa and outside Africa and the Indian subcontinent, we restrict your cover to US$100,000 for accident and emergency treatment, plus cover for emergency medical evacuations. You have no cover at all in the USA.

In return for these restrictions, you get a 40% saving on your premium.

Here’s what cover looks like with Zone 5:

*Countries that belong to the Indian Subcontinent: Bangladesh, India, Pakistan, and Sri Lanka.

Zone 7 is great if you’re living in South East Asia, looking for low-cost health insurance, and you’re not worried about having cover outside South East Asia or in countries that are expensive for private healthcare like Singapore and Thailand.

With Zone 7, you have full cover in most countries across South East Asia. Outside these countries, you have no cover at all—even for emergency medical evacuations.

In return for these restrictions, you get a 60% saving on your premium.

Here’s what cover looks like with Zone 7:

*Countries where you have cover: Brunei, Cambodia, Timor Leste, Indonesia, Laos, Malaysia, Myanmar, Papua New Guinea, the Philippines or Vietnam.

Notes on the coverage zones

You won’t find complete information for our plans on this webpage, nor the full T&Cs, limitations, and exclusions that would apply if you purchase one. You can find complete information in the plan agreement, which we suggest you read together with this webpage. All the benefits on this webpage are per member per policy year, unless we state otherwise. We show the benefit limits in US dollars, but we can also denominate your plan in pounds sterling or euros.