Your area of cover explained
We’ve made our areas of cover simpler from 2019. Please read on to discover our new zones for 2019.
If your plan started on or before 31 December 2018, please read our 2018 areas of cover.
Area of cover zones for plans starting from Jan 1, 2019
For full definitions of your zone, please consult the relevant 2019 plan agreement:
Zones 1, 2 & 3 are available on the 2019 Elite health plan.
Zones 4 & 5 are available on the 2019 Essential health plan.
For all plans, if Switzerland is or becomes the country of residence cover will automatically terminate from the renewal date after you take up residence in Switzerland.
Making our 2019 Elite Areas of Cover simpler
You can add on USA cover options of temporary trips of 45 or 90 days cover to Zone 1.
Zone 2 restricted country list
EU countries, the UK, Andorra, Channel Islands, Gibraltar, Greenland, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Australia, China, Hong Kong, Japan, Macau, New Zealand, Singapore, Taiwan, The UAE, Canada, Caribbean Countries & Islands.
2019 Essential health zones
Our essential health plans have restricted cover and are available in certain regions only, in Africa and the Indian Subcontinent and in South East Asia. Please contact us to find out more.
The cover provided by your essential health plan is worldwide, subject to the following exclusions and restrictions:-
- No cover in the United States of America, Canada, Caribbean countries & islands, and the London area
- Limited cover in the restricted countries and regions stated below
- Full cover in all other countries
Zones 4 & 5 restricted country list
EU countries, the UK (London has no cover at all), Andorra, Channel Islands, Gibraltar, Greenland, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, Australia, China, Hong Kong, Japan, Macau, New Zealand, Singapore, Taiwan, The UAE.
The list of countries below are excluded countries where we are unable to offer cover.
Iran, Libya, N. Korea, S. Sudan, Switzerland, Syria, Yemen.
If your country of residence becomes one of the above, your cover with us will cease immediately.
If you have any further questions about your zone, please consult your 2019 health plan agreement, or please contact us.