International insurance with Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
• There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
• Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
• Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
• This option is available to individuals or groups with 3 to 9 policies
• Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Medical History Disregarded terms is members’ health information is not assessed. This means that:

• You won't need to tell us about pre-existing conditions of any member to be covered.
• Pre-existing conditions are usually covered.
• Claims process is shorter because we already know that pre-existing conditions are covered.
• This option is usually offered to groups with more than 10 policies.  

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