InterGlobal Limited Healthcare Plans

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InterGlobal Limited is a joint corporate initiative by two innovative and experienced international insurance groups, the UK based Inter Group and the New Zealand based Mike Henry Group.

In July 2003 the Mike Henry Group, founded in 1981, merged its Global Healthcare brand with its InterGlobal interests to form a single worldwide brand. InterGlobal Insurance Services Ltd was established in 1998 as a joint partnership between the Mike Henry Group and Inter Group.

Both companies provided a full range of award winning, quality international private medical insurance products offering extensive protection for individuals, families and companies throughout the world. The formation of InterGlobal Ltd created a global international health provider with offices in New Zealand, Japan, Thailand, Indonesia, Middle East and the UK.

Eligibility

This policy is available to both expatriates and non-expatriates of all nationalities, except for US citizens residing in their home country, or persons subject to local insurance licensing restrictions. This policy is available from ages 5 days to 74 years inclusive. In the case of dependent children under the age of 18 (eighteen) years, a parent or guardian is required to sign the application form for enrolment on their behalf.

Pre-Existing Medical Conditions

Please explain the 2-year waiting period in respect of covering pre-existing medical conditions.

InterGlobal will not pay benefits for treatment of any pre-existing medical condition that, within a 24 month period prior to the date of joining, or the date specified on the special terms section of insured person's Certificate of Insurance, has one or more of the following characteristics:

• was foreseeable,
• manifested itself,
• the insured person had signs or symptoms of,
• the insured person sought advice for,
• the insured person received treatment for, or
• to the best of the insured person's knowledge, was aware existed

After a period of 24 months continuous insurance under the plan, pre-existing medical conditions may become eligible for benefit, if the insured person has not:

• experienced symptoms,
• sought advice
• required treatment, medication, or special diet, or
• received treatment, medication or special diet in respect of such.

If an insured person has experienced any of the above, they will be required to wait a further 24 months from the last date of treatment and must meet the above criteria, before being eligible to claim benefit for the pre-existing medical condition in question. This constitutes the rolling part of the moratorium.

30 day Money Back Guarantee

All InterGlobal Healthcare plans are subject to terms, conditions and exclusions. If within 30 days after purchasing this product you feel this cover is not right for you and you wish to cancel the policy, provided no claims have been made, we will refund your premium in full.

Insurer Security

InterGlobal HealthCare Plan will be fully underwritten by International Health Insurance danmark a/s. IHI is one of the largest International healthcare insurers and is a Standard & Poor's A(pi) rated company.

InterGlobal Limited
Level 14, Oracle House
56 Wakefield Street
PO Box 8672
Symonds St
Auckland 1000
New Zealand