Global Select FAQ's
Why choose the Global Select?
Finding a quality international private medical insurance plan is not an easy task, especially as we are traveling and living more in foreign countries, making sure you have access to a healthcare plan that will meet all your requirements becomes harder. The Global Select will offer coverage on everyones budget, with 4 plan options from the headstart right up to the executive plan. It is also underwritten by Sirius International Insurance Corporation who are rated A (Excellent) by A.M. Best and administered from offices in the UK and the USA.
Am I elligible for cover?
Individuals and their dependents of all nationalities are eligible for coverage from 14 days old up to the age of 74. If an applicant is under 18 years old, a parent or guardian will have to sign the application on their behalf. Non-US citizens may reside anywhere in the world, including their home country, however US citizens must reside outside the USA on their effective date and plan to reside outside the USA for at least 6 months.
Can I cover my family?
Yes, you can insure your whole family on the Global Select plan - and when you have at least one parent insured on the plan the first dependent child (aged between 14 days and 9 years old) will be free.
Is the plan renewable?
Yes, the Gloabl Select is an annually renewable insurance plan. Prior to the end of each 12 month period you will be sent your renewal forms to continue coverage. For you convenience if you are paying by credit/ debit card you can activate automatic renewal each year to make renewing your insurance plan easier.
Is there a free look period?
Yes, once you have received all your Global Select documents you have 30 days with which to review all the details and if you are not happy with the plan or you feel it does not meet your needs you can return your documents within this 30 day period and receive a full refund. Of course, please also feel free to contact us if you have any questions and we are also happy to help you.
I have a pre-existing condition, how is that treated?
After coverage has been in effect for 24 months (unless otherwise advised in writing) an insured person is provided with cover up to the annual and life time limits as outlined in the policy wording. All conditions have to be fully disclosed at the time of application in order for coverage to be in place. Please note that there is no coverage for pre-existing conditions under the headstart plan. For more information about the pre-existing condition clause, please either contact us or view the policy brochure.
Do I need to contact the insurance company if I need treatment?
For many of the benefits under the Global Select plan you are required to seek pre-certification as soon as possible and always prior to incurring any costs or undertaking any medical treatment. Of course in emergency situations this is not possible so in these cases you should try and notify the insurance company within 48 hours or as soon as possible.
For further information about the plan, or for clarification on any of the above points please do not hesitate to contact our customer support team.