Since expat health insurance is designed for accidents, emergencies, and new illnesses with symptoms, gynaecological coverage is limited to specific situations.
Gynaecological (and other specialist medical care) is covered as long as it relates to a new medical issue that began after the start of your coverage and isn’t connected to a pre-existing condition or routine check-up/preventative care.
Let’s break down two examples where gynaecological coverage is or isn’t included under expat health insurance:
Is my routine pap smear covered?
No, because this is a proactive, routine check-up with no symptoms, it falls outside the scope of coverage.I’m experiencing a new issue or abnormal symptom—will this be covered?
Yes, since this is a reactive check related to symptoms or a complaint, it is likely to be covered.
For claims or prior approval, we’ll need to confirm that it’s a new condition and fits within the coverage scope. We recommend providing medical details about the condition, when symptoms started, and the need for treatment.
If you have any further questions, please feel free to reach out to us via our support page.