FAQ's

Please note: then information below applies to International Students plans only.

1. Who is eligible for cover under an InterGlobal international private health insurance plan?
The plan is available to persons (subject to age limitations specified below) of all nationalities and their dependants except those persons who are subject to exchange controls or local regulations, or where cover is illegal under local legislation.

To qualify for cover under this plan, you must be an International Student studying outside your Country of Origin and aged between 16 and 35 years of age.

2. Are any age limits applicable?
Yes. The minimum age at entry for a planholder is 16 years attained. In the case of an applicant being under the age of 18 years attained, a parent or guardian is required to sign the application form and will be considered to be the planholder. The maximum age at entry for a planholder is 35 years attained. The minimum age at entry for a dependant spouse is 16 years attained. All other dependent children must be aged between 0 and 18 years of age. All dependants must be within the same Country of Study as the planholder.

3. What period of time can I be covered for?
The plans are annual contracts and cover is available on a yearly renewable basis.

4. Do the plans renew automatically?
It depends. You will be sent a renewal notice and quotation (no later than six weeks before your plan expires) to the latest address we have on file, advising you of your renewal premium. You must tell us about any changes to your contact details so that we can send you your renewal notice.

If you pay by credit card or direct debit, your plan will renew automatically and we will take your renewal premium from your credit card or bank account, provided the details we hold are still valid at the time of the renewal. If the details are not valid the plan will not automatically renew and you will need to contact us with an alternative method of payment. If you do not want to renew your plan you must tell us in writing, by letter, fax or e-mail, before your renewal date.

If you pay by cheque or bank transfer, your plan will not renew automatically. Your renewal notice will explain what actions you must take in order to renew your plan.

5. To be considered for cover, will I be required to complete a medical questionnaire?
No. Unless you are transferring to InterGlobal from an existing insurance policy with another provider.

6. Will my cover be affected if I return to my home country?
If you return to your home country, you will not be able to access the benefits available on the International Students plan. Cover is only available within your Country of Study.

7. Do you permanently exclude pre-existing medical conditions from cover?
No, we do not. When you commence your cover, a 2-year waiting period (moratorium) will come into effect. This means that pre-existing medical conditions will only be excluded for two years providing that the criteria in FAQ 8 is met. See FAQ 8 below.

8. Please explain the 2-year waiting period in respect of covering pre-existing medical conditions.
We will not pay benefits for treatment of any pre-existing medical condition that, within a 24 month period prior to the date of joining, or the date specified on the special terms section of insured person's Certificate of Insurance, has one or more of the following characteristics:
• was foreseeable,
• manifested itself,
• the insured person had signs or symptoms of,
• the insured person sought advice for,
• the insured person received treatment for, or
• to the best of the insured person's knowledge, was aware existed

After a period of 24 months continuous insurance under the plan, pre-existing medical conditions may become eligible for benefit, if the insured person has not:
• experienced symptoms,
• sought advice
• required treatment, medication, or special diet, or
• received treatment, medication or special diet

If an insured person has experienced any of the above, they will be required to wait a further 24 months from the last date of treatment and must meet the above criteria, before being eligible to claim benefit for the pre-existing medical condition in question. This constitutes the rolling part of the moratorium.

9. How is the plan deductible (excess) applied?
There is a standard deductible excess which is applicable to the Personal Belongings section of the plan. The excess is payable once per claim. You cannot increase or remove the deductible/excess.

10. If I want my plan to have a zero deductible (no excess), can this be done?
No. The standard deductible/excess cannot be removed.

11. What about my dependants - when can I enrol them?
You can enrol them at any time - at commencement, or at any point thereafter. We will pro-rata any applicable premium increase accordingly.

12. Do you place any financial limits on eligible in-patient medical treatment?
The only limits in force are those specified under the overall plan cover i.e.
International Students Plus Plan:
$1,000,000 / £665,000 / €770,000
International Students Plan:
$500,000 / £332,500 / €385,000

13. Will I be required to make any down payments to any hospital in order for me to receive treatment as an in-patient?
No, all in-patient medical treatment claims are settled direct with the hospital(s) or clinic(s) concerned.

14. Will I have to complete a claim form if I have received in-patient treatment?
No - everything should be pre-authorised before your admission. All it takes is a phone call from you to our International Helpline. You do not need to complete any claim forms.

15. If I had to make a claim for eligible out-patient treatment, how quickly would I be re-imbursed?
We aim to pay your eligible out-patient medical and dental treatment claims within ten (10) working days of receipt, provided we have all the information we need from you.

16. What service guarantees will InterGlobal offer me?
We offer a 30 day money back guarantee if you are not satisfied. Note: this does not apply if a claim has already been made against the plan.
We also have a formal complaints procedure to deal with any complaint(s) you may have.

We aim to provide a prompt out-patients claims reimbursement service.

17. Will my premiums increase with age?
No. Premiums are based on your Country of Study and the premium band applicable to your Country of Study.

18. Are any other premium increases applicable?
Yes, your premiums will increase in line with medical treatment inflation. This represents the increase across a broad spectrum of medical treatments and the year on year increase in treatment delivery costs across the world.

19. How do I apply for cover?
Nothing could be easier. Simply apply for cover by fax or post or contact us for more information.

20. How soon will my cover commence?
We can enrol you from the point we receive faxed and/or mailed evidence of your intention to proceed. Cover can commence as soon as we receive your fully completed, signed and dated application form (and Credit Card Authority, if applicable). Non-payment of premiums may however subsequently negate the plan.

25. How can I pay my premium?
If you opt to pay annually, you may pay by credit card*, bankers draft, bank transfer or cheque. If you opt to pay either monthly or quarterly, you can only pay by credit card (*Visa, MasterCard or American Express). Please note that American Express will not accept payment in Euros €.

What will I receive in my Membership Pack?
You will receive your Certificate of Insurance and Assistance Card(s). Your Plan Guide, Table of Benefits and Claim Forms can be downloaded from here.

If you have a question that you cannot find the answer to here, please do not hesitate to contact us.