Overseas Cover Information

As these terms and conditions are being amended mid policy year, they will not appear in your Membership Handbook. Here is some further information and details on how to claim.

Overseas Benefits on your Irish Life Health plan

From 1st October 2021, there will be an amendment to the ‘Exclusions Applicable to the Overseas Benefits’ list under the Overseas Benefits section and the Definitions section of your Membership Handbook as follows:

Exclusions Applicable to the Overseas Benefits

Please note that our Overseas Benefits will not apply to the following:

> in a country in which the Irish Department of Foreign Affairs has recommended that you should not travel;
> in a country in which the Irish Department of Foreign Affairs has recommended that you should avoid non-essential travel unless your journey is essential. Evidence of why your journey is essential will be required. Details of what we constitute essential travel to be, as well as the evidence you need to provide is detailed below.

If you have decided to travel despite the Department of Foreign Affairs advising to avoid non- essential travel to that country, you must call our Customer Care Team on 01 562 5100 in advance of travelling to ascertain whether we consider your travel to be essential. What we consider to be essential reasons for travel are if:

  1. Your relative is in intensive care in hospital or has unexpectedly been given a terminal prognosis with a short life expectancy;
  2. Your relative has died and you need to attend the funeral;
  3. Your property abroad has been seriously damaged and you need to arrange and/or oversee professional repairs;
  4. You have an urgent work matter that cannot reasonably be cancelled, postponed or delayed;
  5. You have a full-time but short-term (not exceeding 31 days) placement at a recognised educational establishment where attendance must be in person.

Evidence must be provided in advance of travel and must be in a formal written format which clearly sets out all relevant dates, the subject and the source of the evidence.  Examples of evidence are as follows:

  1. Where your relative is in intensive care in hospital or has unexpectedly been given a terminal prognosis with a short life expectancy we will require a letter from your relative’s doctor recommending that you needed to be with your relative due to their medical condition (please do not state that medical condition);
  2. Where your relative has died and you need to attend the funeral; we will require a notice of your relative’s funeral in a recognised publication;
  3. Where your property abroad has been seriously damaged and you need to arrange and/or oversee professional repairs we will require a police or property insurer’s report confirming damage to your property;
  4. Where you have an urgent work matter that cannot reasonably be cancelled, postponed or delayed, we will require, a formal letter/email from your employer stating you are travelling for an urgent work matter that cannot reasonably be cancelled, postponed or delayed;
  5. Where you have a full-time but short-term placement at a recognised educational establishment where attendance must be in person, we will require a formal letter from a recognised educational establishment confirming that you are travelling for a short-term (not exceeding 31 days) placement that cannot reasonably be cancelled, postponed or delayed.

The application of the above rules and acceptance of the evidence provided will be at our discretion and our decision will be final.

New Definition
Relative
Your parent/parent in-law/step parent/step parent in-law, sibling/sibling in law, spouse/ partner (including common law and civil partnerships or fiancé(e), child/child in law/step child/foster child, grandparent, grandchild, uncle, aunt, nephew, niece, cousin.

The cover available on your plan will also be subject to the benefits listed on your Table of Cover and other applicable terms and conditions outlined in your Membership Handbook including serving any Waiting Periods that may apply.

 

Travel Insurance from Allianz Assistance

If you, or members on your policy, have selected a Personalised Package that includes a free world-wide multi-trip travel insurance policy provided by our partners Allianz Assistance there is an important update to your travel insurance policy

From 1st October 2021, there will be an improvement in your cover for Covid-19 in certain circumstances:

  • Cover for cancellation due to required quarantine based on the suspicion that you have been exposed to Covid-19

  • Emergency medical expenses if you become unwell with Covid-19

  • Cover for essential travel reasons to countries where you are advised to ‘avoid non-essential’ travel by the Department of Foreign Affairs and Trade

You will find more details included in this letter from Allianz Assistance.

On 1st October 2021 your travel insurance policy Terms & Conditions and IPID will be updated and will be available in the Travel Insurance section under the Documents tab of your online account.  If you would like to review a copy please click here for the Terms & Conditions and the IPID.

Your travel insurance is provided by Allianz Assistance. If you have any questions or queries about your travel insurance you should contact them on 01 619 3674 or email them at insurance@allianz-assistance.ie.


For information on Covid-19 and overseas travel, click here to read our updated FAQs