Global Treatment Frequently Asked Questions

No, adults can have a maximum of one Global Treatment policy each.

Global Treatment is available with Life Insurance+, Critical Illness+, Income Protection+ and Living Costs Protection.

Our underwriting philosophy for Global Treatment is aligned to how we assess critical illness cover, this is irrespective of which product you have added Global Treatment to. If we are unable to consider terms for critical illness cover, we are also unable to consider terms for Global Treatment.

Where we would look to apply a high premium loading or certain exclusions to the critical illness cover, we are unable to consider terms for Global Treatment.

Additional insight on our approach for common conditions is available on our understand underwriting guide held within the Protection underwriting centre.

Read the latest claims figures in our individual protection claims report.

If a policy ends due to a successful critical illness claim, there is a three-year indemnity period in which the customer is still able to claim starting from the date the claim is back dated to. Once the three-year period ends, they will no longer be able to claim on Global Treatment.

We are unable to consider Global Treatment for customers who have diabetes or pre-diabetes.

No, Global Treatment can only be included on new policies.

Yes, Global Treatment offers customers the choice of travelling abroad regardless of whether treatment is available on the NHS.

There are no additional medical screenings required for Global Treatment that would already have been requested as part of a life insurance/critical illness/income protection application.

Global Treatment covers six specific conditions – cancer, bone marrow transplant, coronary artery bypass surgery, heart valve replacement or repair, live-donor organ transplant, neurosurgery.

Each Global Treatment plan covers one adult and their children up to the age of 18 (or 21 in full time education). Each adult life would need to take out their own Global Treatment plan at £3 per month each.

Our decision will depend on the nature of the exclusion. Where the exclusion relates to cancer or heart valves, we are unable to consider terms for Global Treatment.

Global Treatment is specifically designed to only offer treatment outside of the UK.

Age limits will be the same as the minimum/maximum for the products they’re attached to, with the exception of life only where the maximum age at entry is 74 and expiry is 84.

Children up to age 18 (or 21 if in full time education) will be covered for overseas treatment. There is no maximum number of children covered under each parents policy.

No, it can only be taken out as an add on to our personal life insurance, critical illness and income protection policies.

Yes, a customer can use Global Treatment as many times as they like over as long a period as they like, providing the policy is still live, or is within three years of ending due to a successful claim (e.g. a critical illness claim). The maximum monetary amount that they can claim on is £1m per year or £2m in total. These maximums are available for everyone (adult and children) covered on a policy.

Providing their Aviva policy is still live (or they are within three years of a successful claim that caused their policy to end) then they will still be able to claim on Global Treatment.

Global Treatment requires a confirmed diagnosis in order to start the claims process.

Global Treatment currently costs £3 per month, but can be added onto any personal life insurance, critical illness or income protection plan. The minimum premium for those policies is £5 per month (not including the cost of Global Treatment).

Providing their Aviva policy is still live (or they are within three years of a successful claim that caused their policy to end) then they will still be able to claim on Global Treatment again. There would be no exclusions or price increases following a successful claim.

Private healthcare typically covers the cost of accessing private treatment in UK only and will usually cover most medical conditions. Global Treatment covers specific conditions/treatments only but offers worldwide travel to access this treatment and covers the cost of all travel and accommodation.

No, Global Treatment is only available to customers living in the UK, the Channel Islands, The Isle of Man or Gibraltar. If they move away from these territories, they will need to tell us, and Global Treatment will be removed from their policies.

Yes, any future natural, step, adopted or children a customer becomes legal guardian for will be covered automatically.

Yes, the children are covered separately under each parents’ individual policy.

No.

No. Global Treatment will offer guidance on different methods you can undertake in order to find an organ match but there is not an international organ donor register that you would become a part of. Once you have found a match Global Treatment will pay the costs for you and your donor to travel abroad for the transplant. For further information on organ donation or to register as a donor, visit https://www.organdonation.nhs.uk/.

Frequently asked questions

Can I have more than one Global Treatment policy?

Can Global Treatment only be added to a life, critical illness or income protection policy?

How do you underwrite Global Treatment?

How many Global Treatment claims were raised and approved last year?

If a critical illness policy has ended due to a successful claim, will the Global Treatment cover end too?

Can you have Global Treatment if you have diabetes?

Can Global Treatment be added to an existing policy?

Is Global Treatment an option even if the NHS can treat you?

Are there any medical screening or processes required to obtain cover?

Does Global Treatment only cover critical illness conditions or other conditions too?

If only one party in a couple has life, critical illness or income protection, does Global Treatment cover them both or is it individual to each client?

If a customer has certain illness cover excluded from their critical illness cover, would they also be excluded from certain illness cover with Global Treatment?

Can Global Treatment be carried out in the UK or is it abroad only?

Is there an age limit for the Global Treatment policy?

Up to what age are children covered under their parents’ Global Treatment policies? Is there a maximum number of children who can be covered under each parent’s policy?

Can a client take out a Global Treatment policy as a stand-alone product?

Does Global Treatment cover multiple claims?

If a client relapsed, would the cover start again, or would they be limited to use?

At which stage of diagnosis can Global Treatment start?

Is there a minimum premium?

If a client has already claimed on their Global Treatment policy, would they be covered against a further separate claim, or would there be any exclusions/increases in price?

How is Global Treatment cover different to private healthcare?

Can clients use Global Treatment if they move abroad?

If a client has a Global Treatment policy and then has a child, are they covered automatically?

If a couple have two independent covers, can they cover their children twice to receive double the cover?

Does Global Treatment cover any pre-existing conditions?

Does Global Treatment put you on an international organ donor register or help to match you with a donor?

Global Treatment