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Cover is available where the Primary Insured is between eighteen and sixty five years of age (at the Effective Date), permanently resident outside their Home Country and their Dependant(s), where accepted for cover by Us in writing. You do not have to be outside your home country at the time of purchase.
If you select your premium to be paid in US$ then your benefits are based on the US$. If you select to pay your plan in Euro or Pound, then the benefit is paid in Euro.
A discount of 10% off your first year is available when you purchase an Select or Primary+ (annual), and 5% on the Primary plan (annual) if you provide proof of the a year you have been claims free from your current insurer. Cover must be current continuous and without any break. A comparable level of cover must be purchased from us.
The plans are for those living outside their passport country. If you purchase a plan to cover you in Area 3, there is no limitation to how long you can stay in any country as long as you are an expat/living a global lifestyle with the intent to continue to do so.
There are no exclusions on Select, Primary+ or Primary (short term or annual plans). The plans do not have exclusions due to FCO/CDC/+ pandemic travel restrictions. Get your quote/purchase.
If you choose to carry an excess (as Zero excess option is available), this is applied per medical condition per policy period. This means that should you claim for the same condition several in the same policy year, we will only apply the excess once; and costs incurred after that will be paid to the policy maximum. The term ‘Excess’ is the amount of any claim that you will be liable to pay the health care facility before the insurance policy takes over, per policy period.
No. There is not an annual deductible that has be met. You are probably familiar with plans where there is an annual amount that must be met by either one or two of the covered persons on the plan. Nomad Health Insurance plans do not have an annual deductible, only the per condition excess.
Yes, on our Primary+ and Select plans we provide coverage for outpatient treatment and GP care, e.g. visits to your General Practitioner. Although, on the Primary plan outpatient coverage is only included where it is related to a valid pre-hospitalization and then for 60 days following a valid hospitalization.
Yes, under Select plan we provide coverage for annual routine medical check-up. The Primary+ plan also provides annual medical check-up coverage after you have been insured with us for a period of 12 months..
You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorized beforehand. For a directory of hospitals please click here (the directory in our app is for information only and is not a ‘network’).
In the Nomad Health Insurance plans a pre-existing condition is defined as any condition, disease, Illness or injury, secondary or associated complaint where You have sought or received advice, treatment, therapy, been submitted to a special diet or shown symptoms in the two years prior to your effective date (whether or not the condition has been diagnosed).
They are excluded, except where You have been symptom, treatment and advice free for a period of not less than 24 consecutive months following your effective date.
If you choose to purchase the Select plan, you are then eligible for maternity benefits after 12 months have passed. Due to the potential costs of care in comparison to the cost of the premium there is a waiting period on this benefit.
Complications of pregnancy are a covered benefit from the start date of the plan, on all our plans at different levels (check the Schedule of Benefits or Policy Wording for the level of benefit payable).
If you choose to purchase the Select plan, you are then eligible for both optical and dental benefits. See the above benefit schedule for more information, or view the policy wording for full details.
No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.
If you select the area of coverage that your dependent child is in and they are under 21 years old then they can remain on your policy.
Yes, where not competitive. If they are competitive, then they must be declared and accepted.
USA Residents: While we don’t cover people permanently residing in the USA, we are able to cover short term (up to 1 year) policies for people looking to travel to the USA whilst they obtain their green card. Please select an Area 3 option when applying online and use your normal residence as the correspondence address.
Non-USA Residents requiring access to treatment in the USA: If you simply wish to be able to receive any treatment in the USA – but don’t actually reside in the USA – you can select an Area 3 option and you are able to obtain treatment anywhere in the world (including the USA).
You are covered for up to $/€50,000 of treatment on each trip outside your Area of Cover, for conditions from which you have not previously suffered before traveling, provided that your trip is not longer than 30 days in duration.
Accordingly, if you travel regularly to another Area we would ask you to consider increasing your Area of Cover.
Once you are accepted for cover, you will be able to renew on the prevailing rates, regardless of your claiming history. Where no claims are made under your policy in a particular contract year, you will be entitled to a no claims discount (Premium Reward), which can reduce your premium by as much as 20%.
Medical Insurance providers are judged on how they service a claim. After all, this is why the cover has been purchased in the first place. We know this and we are committed to making the process as simple and painless as possible for you. For inpatient/admitted claims, we will always endeavor to either pre-approve your claim directly with the treating facility or, if you choose to ‘pay and claim’, settle claims within 5 working days of their substantiation.
If the treatment is likely to exceed $/€1000 please obtain our prior approval as soon as reasonably possible, but at least 7 days before treatment. This will enable us to pre-approve your claim so that you don’t have any nasty surprises and we can guarantee costs directly to a hospital so that you don’t have any out-of-pocket expenses. Please note that all non-emergency claims likely to exceed $/€1,000 are required to be pre-approved by us. This ensures that we can validate your claim, to provide maximum peace-of-mind, and ensure you don’t have any out-of-pocket expenses.
Outpatient claims, these are reimbursed. Once you become aware that you need to make a claim against your policy please call us for the appropriate claim form; or you can download one from here. Please return this form (after it has been signed by the doctor) with proof of your loss, detailing the dates, nature and cost of the illness and the treatment prescribed and provided, with original receipts, as soon as reasonably possible.
Our claims are all administered by Expatriate Group, a five star "excellent" rated administrator of policies. Go to our claims page, click here.
Yes, our policies are administered/provided by Strategic Insurance Services Limited (trading as Expatriate Healthcare and Expatriate Group) and they are authorized and regulated by the Financial Conduct Authority. The FCA Firm Reference Number is 307133. Strategic Insurance Services Limited are authorized to carry on Regulated Activities in accordance with the permissions granted by the FCA under Part IV of the Financial Services and Markets Act 2000. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on +44 (0)845 606 1234.
We believe that all our customers, regardless of where the policy was sold, should be entitled to the same regulatory benefits and protections as those purchasing cover in a FCA regulated territory. Accordingly, wherever possible, we shall extend these benefits to all of our customers.