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The currency of the limit depends on the currency you select when you apply for your policy.
Bronze US$1,500,000 or £1,000,000 or €1,125,000
SilverLite US$1,500,000 or £1,000,000 or €1,125,000
Silver US$2,500,000 or £1,666,000 or €1,875,000
Gold US$5,000,000 or £3,333,000 or €3,750,000
Life insurance
Applicants may apply for a life benefit up to 20x their current annual salary for individuals and 10x current annual salary for business employees. The maximum amount they can insure is US$2mn.
Income protection
Applicants may apply for annual income cover of up to 80% of their current annual salary, subject to a maximum amount of US$144,000.
Please visit our provider network page for a full list of hospitals with whom we have arrangements for cashless access to outpatient treatment.
Applicants for health insurance must be under the age of 76, but members can renew their policy for as long as they require—even if their health deteriorates. Applicants for life insurance must be under the age of 70. Members can renew their policy until age 70, regardless of their state of health. Applicants for income protection must be under the age of 56. Members can renew their policy until age 65, regardless of their state of health.
The rules that govern our ‘excluded countries’ are quite complex, and the information in this FAQ is aimed at insurance brokers. We have explained the rules in simpler terms for members.
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