The suitable area of coverage depends on various factors. Generally, in the case of a medical
emergency, if your country of residence cannot provide the necessary medical facilities, you would prefer
to receive treatment in another country. The typical coverage zones include:
• Worldwide Excluding USA (some underwriters may exclude the Caribbean or its territories)
• Africa Plus India and Pakistan (some underwriters may include Bangladesh and Sri Lanka)
• Other coverage zones offered by some underwriters are: (i) Worldwide, excluding the United
States and its territories, Switzerland, UK, Russia, China, Hong Kong, Singapore, and Canada (ii)
Europe excluding Switzerland, Russia, and the UK (iii) Africa, India, Pakistan, Bangladesh, and Sri Lanka (iv) Worldwide Excluding USA, China,
Singapore, and Hong Kong.

Maternity insurance covers prenatal, inpatient, and postnatal care, as well as expenses related to
newborn care. However, it is important to note that maternity coverage is not immediate and is subject to
waiting periods. Additionally, each underwriter has specific limits on maternity coverage. Clients
planning to have children in the near future should discuss their maternity coverage and expenses with
their insurer.

International insurers have taken a unified approach to Covid-19 and will cover treatment according to
the policy’s terms and conditions.

An excess or deductible is a fixed amount or percentage of your healthcare expenses that you pay first
before your medical insurance covers the remainder of your bill. While not mandatory, having an excess
or deductible can lower your premium.

Health insurance covers the costs of medical treatment as per the policy’s terms and conditions. Travel
insurance, on the other hand, covers the costs of loss of luggage and personal effects, delayed travel,
cancellation, and interruption. Travel insurance also includes an element of medical insurance.

Evacuation refers to the transportation costs to the nearest medical facility for emergency treatment.
Repatriation involves the transportation costs to return to your home country for rehabilitation and
recovery.

A chronic medical condition is a health condition that requires ongoing medication or treatment to
maintain a healthy state.

Insurance companies must balance providing coverage at a reasonable cost with the cost of medical
inflation (treatment costs). Medical technologies have advanced, resulting in more efficient treatment for
medical conditions, which comes at a cost. The overall claiming behaviors and patterns of all clients on
an IPMI product also affect the premium. Additionally, the likelihood of requiring treatment increases
with age, and the premium is adjusted accordingly.