International Health Insurance > InterGlobal Limited > UltraCare

UltraCare Plans

We are an award-winning provider of international health insurance based in the UK.  Known for our innovation, flexibility and personal approach to service, we have seen great success in this competitive and growing market.  Since the company was founded in 1998, we have seen rapid growth and now have customers in 189 countries and eight offices worldwide, offering local support to our members in key regions.

In 2007, the InterGlobal group of companies set-up a new division, InterGlobal Insurance Company Limited, to provide the financial security and underwriting for our products.  This major development is evidence of our ongoing success and the faith of our investors, partners and customers in the InterGlobal brand.

Eligibility

This policy is available to both expatriates and non-expatriates of all nationalities, except for US citizens residing in their home country, or persons subject to local insurance licensing restrictions. This policy is available from ages 5 days to 74 years inclusive. In the case of dependent children under the age of 18 (eighteen) years, a parent or guardian is required to sign the application form for enrolment on their behalf.

Pre-Existing Medical Conditions

A 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

in respect of such. 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.

Transfers

If you wish to transfer cover from another insurer to InterGlobal, we will require an original Certificate of Insurance from your previous insurer, which details your original commencement date, underwriting terms, and any special terms that may have applied. You will also need to complete an Individual Application Form and an Individual Declaration of Health Form. Any transfer will be subject to our acceptance and an additional premium loading.

If there is a break in cover between the expiry date of your previous insurance plan and your application for an InterGlobal plan we will be unable to offer a transfer of your previous underwriting terms. Instead, your InterGlobal plan will be subject to the 24 month moratorium.

Please note: When transferring from another insurer, policy terms, conditions and benefits may vary to those that we offer.

30 day Money Back Guarantee

All InterGlobal Healthcare plans are subject to terms, conditions and exclusions. If within 30 days after purchasing this product you feel this cover is not right for you and you wish to cancel the policy, provided no claims have been made, we will refund your premium in full.

Insurer Security

The InterGlobal Healthcare plans are insured and fully underwritten by leading Standard & Poor's A-rated international insurers, led by Lloyds of London.

(Details of the insurers and syndicates is available on request.)

InterGlobal Insurance Company Ltd
Woolmead House East
Farnham
Surrey
GU9 7TT
United Kingdom