HEALTHCARE FAQs
- Will I need to complete a physical medical examination to apply?
- Am I eligible for cover?
- Who can I add as a dependant to my policy?
- How can I pay for my policy?
- What happens if I want to cancel my policy?
- Who do I contact if I am not satisfied about my policy or the service?
- I’m an expat. What happens to my policy when I return to my home country?
- How are your plans underwritten? Moratorium, medical history disregarded or full medical underwriting?
- Do you cover physiotherapy?
- Do you cover chronic illnesses?
- Am I covered if I get injured in a terrorist attack?
- Does IPH provide other types of insurance?
- How do I know that a treatment will be covered and how do I arrange treatment?
- How will my medical costs be paid?
- Which doctors or hospitals can I seek treatment from?
- What can I do to reduce my premium? Do you offer an excess or deductible?
NOTE: All of the below information must be read in conjunction with your policy documents and IPH Terms & Conditions.
No, we do not require this. We only ask that on our Emerald application form you fill in section 4 “Medical History and General Questions” accurately and in as much detail as possible. If you have dependants, their medical details must be provided in this section as well.
You have a 14 days cooling off period from the date you receive the policy documentation to review your benefits. Within this period you can cancel your policy and be refunded any payments received, free of charge.
If you decide to cancel after this period and no claims were made, we will arrange a pro-rata refund of premium paid minus an administration fee. Please find further details on the Plan Overview or policy documents.
We hope that we always provide our customers with the best care. But if you are unhappy with anything, please feel free to contact us and we will do our upmost to get it right. Please email us at complaints@iphinsurance.com or alternatively, call us on 020 8905 2888.
7. I’m an expat. What happens to my policy when I return to my home country?
If you are returning home for a short period, then you will be covered.
If you are returning home permanently, please inform us of your new residential address in case this affects your terms of cover.
For USA or Canadian nationals who return to their home countries for a period of more than 3 months, your cover will cease with effect from the date of your return.
Yes, provided that it is medically necessary and is recommended by a qualified physician.
Yes, provided that it is medically necessary and is recommended by a qualified physician.
- Small Business Insurance
- Property Owners’ Insurance
- Home Insurance
- Residential Property Let Insurance
Please read your policy documents carefully to determine what treatment is covered. Generally applicable treatments and services must be deemed medically necessary by a physician or surgeon in order for us to cover them.
There are different processes depending on whether your treatment is done as an out-patient, requires you to be admitted into hospital, or if you require emergency medical evacuation.
14. How will my medical costs be paid?
In-patient Deductible
- £/US$ 5,000 excess – 40% discount
- £/US$ 2,000 excess – 30% discount
- £/US$ 1,000 excess - 20% discount
- £/US$ 500 excess - 12.5% discount
- £/US$ 250 excess - 10% discount
- Nil excess - No discount
- £/US$ 100 excess – 10% discount
