Beneficiaries are, unless otherwise specified by the insured:
•
The insured member’s spouse, if not legally separated.
•
Failing the spouse, the insured member’s surviving children including step-children,
adopted or foster children and children born less than 300 days from the date of the
insured member's death; in equal shares among them.
•
Failing the children, the insured member’s father and mother, in equal shares between
them, or to the survivor of them.
•
Failing them, the insured member’s estate.
If you wish to nominate a beneficiary other than those listed above, please contact our
Helpline.
Please note that in the specific case of the death of the insured member and one or all of the
beneficiaries in the same occurrence, the insured member shall be considered the last
deceased.
Correspondence
Written correspondence between us must be sent by email or post (with the postage paid).
We do not usually return original documents to you, unless you specifically request us to do so
at the time of submission.
Countries where you can receive treatment
If the necessary medical treatment for which you are covered is not available locally, you can
avail of treatment in any country within your geographical area of cover (your area of cover is
confirmed in your Insurance Certificate). In order to seek reimbursement for medical
treatment and travel expenses incurred, Treatment Guarantee is required prior to travel.
If the necessary medical treatment for which you are covered is available locally, but you
choose to travel to another country within your geographical area of cover for treatment, we
will reimburse all eligible medical costs incurred within the terms of your policy; however, we
will not pay for travel expenses.
Please note that as an expatriate living abroad you are covered for eligible costs incurred in
your home country, provided that your home country is within your area of cover.
Death of the policyholder or a dependant
We hope you will never need to refer to this section; however, if a policyholder or a dependant
dies, please inform us in writing within 28 days.
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