Worldwide Healthcare - Frequently Asked Questions
Who is eligible to buy this policy?
This policy is designed for both individual and a company sponsored/paid arrangement covering expatriates (i.e. persons living and/or working outside their home country) and their eligible dependants. Local nationals may be included but only subject to our prior written approval.
How do I apply for Status Worldwide Healthcare?
It's easy to apply for cover, Contact Us to help find a Status Medical Insurance Solutions local accredited intermediary, or you can just Click Here to complete the online application, or call us on +44 (0)203 608 6330.
What currency will my premium be charged in?
When you apply you will get to select the currency (either Euro € Pound Sterling £ or US Dollar $) in which you will pay premiums and receive benefits.
What does an "Excess" on a policy mean?
The amount of money stated on the certificate of insurance which is payable by the insured person.
Where an excess applies to your policy, if you have chosen an excess to apply to your policy, it will apply on a per person per period of insurance basis, which means that it will be applied once a year to each insured person. At the start of each period of insurance you are responsible for bearing the eligible costs for any expenses up to the value of your excess, we will pick up the eligible costs thereafter.
Is there an age limit for this policy?
Newly insured applicants are eligible to be included for cover under this policy providing they are under age 75 at their inception date, subject to completion of the appropriate application form. In the case of children, they must be under age 19 and unmarried (or under age 25, unmarried and in full-time further education) at their inception date.
Children may remain covered under this policy until the annual renewal date first following their 19th birthday (or 25th birthday where in fulltime education) or marriage at which time their insurance cover under this policy will end.
You and, where covered, your dependant spouse may remain covered regardless of age provided:
- You continue to be insured by us without a break in cover
- You continue to remain an employee of the policyholder
- You and your spouse continue to remain expatriates
- We continue to underwrite this policy.
Is maternity cover available?
Maternity Benefits are available as an optional add-on to the Standard, Super and Executive levels of cover only (not available on the Basic level of cover). A 12 month waiting period applied to maternity benefits. Please see policy wording for full details on maternity benefits.
Is dental cover available?
All 4 levels of Status Worldwide Healthcare include Full Cover for "Emergency Dental Treatment Following Accident (Received within 5 days follwoing accident)".
The Super and Executive levels of cover also include cover for "Relief of Sudden Dental Pain (Out-Patient/Dental Surgery) - Immediate reliefe of severe pain (Received within 5 days follwoing the event).
Executive level of cover also includes Supplementary Dental Benefits for routine and major dental treatment as standard. These supplementary Dental Benefits can also be purchased as an optional add-on to the Basic, Standard and Super levels of cover. Please see policy wording for full details on Dental Benefits.
Can I cancel the policy and get a refund?
If having purchased this insurance you decide that it does not meet your requirements then please return your policy documents, (return of documents not necessary if received electronically) to us within 30 days of receipt together with written cancellation instructions. Provided no claims have been paid and/or pre-authorisation has been given, we will refund any premium that you have paid in full.
You may cancel at other times and may be entitled to a pro-rata refund under certain circumstances:
You must make the request to cancel the policy in writing by sending us an email at firstname.lastname@example.org. Cancellation will be effective from the date that the written notification is received.
Providing no claim has been paid or pre-authorisation of expenses given, in respect of any of the insured persons during the period of insurance, you may be entitled to a pro rata refund of premiums. Refunds are based on the number of complete months that the policy has left to run. If there are 3 months or more left to run from the date of the cancellation request to the end of the policy period, you will be entitled to a pro rata refund of premium for each month remaining during the period of insurance.
If the policy has less than 3 full months left to run or there has been a claim or a pre-authorisation issued no refund of premium will be given.
There is no additional fee charged for processing the cancellation of a policy.
What is "Moratorium Underwriting"?
This enables you to apply without completing a full medical questionnaire. Instead we apply blanket exclusions for any pre-existing medical conditions you have had within the 2 years prior to inception date (extended to 5 years for Cancer and/or Heart related conditions). The moratorium refers to the fact that if, after 2 years of continuous cover under your policy, you have been without symptoms or treatment, consultation, advice (excluding routine check-ups), medication (including injections) or special diet for a pre-existing condition (or any related condition), then should you require subsequent treatment for that condition, you will have cover for it subject to the policy’s terms and conditions and benefit limits.
Do I need to complete a medical questionnaire?
If you selected the "Full Medical Underwriting" option then YES, you will need to complete a medical questionnaire.
Based on the information provided in the medical questionnaire, we reserve the right to request additional information from you or your physician, apply exclusions or medical loadings. Should you choose this underwriting option the moratorium period of 2 years does not apply and you will have cover for pre-existing conditions as of your start date providing they are declared and accepted.
If you apply for a Full Medical Underwriting Policy and are declined on medical grounds, you may re-apply for this cover with a Moratorium Underwriting Policy.
Am I covered while travelling outside the geographic area of my policy?
If you are travelling outside any of the countries of your area of cover, we will pay for emergency medical treatment only. This will only operate when you do not travel for more than the number of days stated on the schedule of benefits in each period of insurance.
There is no cover for either non-emergency medical treatment outside your area of cover or where the total number of days travelling in each period exceeds the amount stated on your schedule of benefits.
On termination of this policy for whatever reason, our liability will immediately cease.
I am an expat (i.e. person living and/or working outside their home country), am I covered for a temporary return trip to my home country?
Cover will continue for temporary return and visits to your home country up to a maximum of 90 days in total during each period of insurance provided that your home country is included within your selected area of cover.
What do I do if I need treatment or in the case of an emergency?
How can I make a claim?
Please read the Policy Wording or read the claim procedures on our How to Claim page here
Who can I contact if I have a question regarding the policy?
For any queries regarding your policy you should click here to visit our contact page or contact:
Status Medical Insurance
10a High Street
Essex, CM12 9BQ
Tel: + 44 (0) 203 608 6330
Fax: + 44 (0) 1277 634046
What if I have a complaint?
We aim to provide a first class service at all times. However, if you have a complaint please contact us as detailed below. For complaints about the way this policy was sold to you or about how the policy has been administered, please contact:
Status Medical Insurance
10a High Street
Essex CM12 9BQ
Tel: + 44 (0) 203 608 6330 or
Fax: + 44 (0) 1277 634046
For all other complaints, including the claims service, please contact:
Astrenska Insurance Limited
PO Box 637
West Sussex RH16 1WR
We will aim to provide you with a full response within four weeks of the date we receive your complaint and our response will be our final decision based on the evidence presented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied or fail to receive a final answer within eight weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is the Financial Ombudsman Service (FOS) at:
Tel: +44 (0)800 0234 567 or +44 (0) 300 123 9 123