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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

Zone 1

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.

Zone 2 availability 

Zone 2 is available when your country of residence is one of the following:

Angola, Antarctica, Argentina, Armenia, Ashmore and Cartier Islands, Azerbaijan, Baker island, Bangladesh, Bassas da India, Belarus, Bermuda, Bhutan, Bolivia, Bosnia & Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean territory, Brunei, Burundi, Cambodia, Cape Verdi, Chechnya, Chile, Clipperton Island, Congo (democratic & republic), Cook Islands, Costa Rica, Djibouti, Ecuador, Egypt, El Salvador, Eritrea, Ethiopia, Europa Island, Falkland Islands, Fiji, French Guiana, French Polynesia, French Southern and Antartic Lands, Gambia, Gaza strip, Georgia, Ghana, Glorioso Islands, Guam, Guatemala, Guinea-Bissau, Herd & Mcdonald islands, Holy See, Howland Island, India, Indian states of Jammu, Indonesia, Jan Mayen, Jarvis Island, Johnston Atoll, Juan de Nova Island, Kashmir, Kazakhstan, Kenya, Kingman Reef, Kiribati, South Korea, Kosovo, Kyrgyzstan, Laos, Lesotho, Liberia, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, New Caledonia, Nigeria, Niue, No Mans land, Norfolk Island, Northern Mariana Islands, Pakistan, Palau, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Punjab, Pajastan and Gujarat, Reunion, Russia, Rwanda, Saint Helena, Saint Pierre and Miquelon, Samoia, Sao Tome and Principe, Serbia, Seychelles, Sierra Leone, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, Sri Lanka, Sudan, Svalbard, Swaziland, Tajikistan, Tanzania, Timor Leste, Tokelau, Tonga, Trumelin Island, Tunisia, Turkmenistan, Tuvalu, Uganda, Ukraine, Uruguay, Uzbekistan, Vanatu, Venezuela, Vietnam, Wake Island, Wallis and Futuna, West Bank, Western Sahara, Zambia, Zimbabwe

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.


Excluded countries

If your country of residence becomes one of the below, your cover with us will cease at renewal.

Iran, Libya, N. Korea, S. Sudan, Switzerland, Syria, Yemen.

If you have any further questions about your zone, please consult your 2019 health plan agreement, or please contact us.