Can I Get Medical Cover If Going To A War Zone?
If you are going on expat assignment to a war-zone, or an area where there are frequent acts of terrorism, then you will need to check the small print of your medical cover very carefully.
It is in this small print that you can find out whether treatment needed as a result of war or terrorism will be covered by the plan. Some plans will not give any cover for this at all but some only exclude the cover if the patient has been an active participant in the war or terrorism. In these cases, if the person was an innocent bystander, their medical treatment could be covered.
The wording to look out for will usually be in the benefit exclusions section of the plan wording, plan guide or plan rules. To make sure that you will be covered if you are a victim of a terrorist act, you need to look for wording that specifically excludes ‘Participation in war, riots, strikes, lock-outs, civil commotion, rebellion, revolution, insurrection, terrorism… etc’ or includes a qualifying phrase such as ‘unless the insured person sustains bodily injury whilst an innocent bystander.’
In these cases, treatment for victims of terrorist attacks will be covered (subject to all other benefits, conditions and exclusions of the plan).
If the wording makes no mention of ‘participation’ or being ‘an active participant’ or there is no ‘unless…an innocent bystander’ statement, the plan may not cover the treatment, even for passive victims.
Also check whether there are any other rules that might affect cover. For example, some providers stipulate that treatment needed as a result of war or terrorism will not be covered if a government has issued a travel warning to the country where the act of war or terror has taken place.