As a guide, generally your country of permanent residence is the country you would want to be repatriated to in the event of a medical emergency abroad, and where you are entitled to long term medical care if required.
Your Country of Residence is the country which must be Belgium, Germany, Denmark or the Netherlands. You must be 69 years old or younger at the time you buy or extend your policy. To be eligible to purchase a policy as a resident of either Belgium, Germany, Denmark or the Netherlands:
- Your home address must be in your country of residence.
- Your home address must be your principal, permanent, residential address, where you have lived during the 12 months prior to buying your policy.
Please be aware that:
- Your policy can’t cover any medical expenses incurred within your country of residence.
- All people on a policy must be from the same country of residence. If you are travelling with people from different countries of residence, they will have to buy separate policies, which may have different terms and conditions of cover.
- Your country of residence is where we will repatriate you to in the event of a meditcal emergency, which is particularly why you must have unrestricted right of entry there.
- In the event of a claim you may be required to provide proof of residence (for example, provide currenty utilitiy bills in your name, tenancy agreements, other insurance certificates, etc).
You can buy insurance even if you’re already travelling and not at home in your country of permanent residency.
Last updated: Aug 27, 2025 01:31 AM