All the individual contracts My Matchmaker offers are lifetime. Should you become seriously ill, the insurance company cannot break your contract nor charge you extra premium the following year because of your claims experience. The only situation in which your contract can be canceled is insurance fraud, non-premium payment or a regulatory change.

No, provided you don't decide to upgrade your insurance contract. Should you develop a serious medical problem, your insurance certificate will remain the same and no new exclusion will appear.

Yes, provided this new country is covered by your current insurer. Also, your premium may be adjusted to reflect local medical costs.

Each insurance company has its own approach to pre-existing conditions and assesses each case individually. Insurers apply a premium loading, exclude the condition or may refuse. It's best to contact your broker who will be able to find the best solution for your needs.

It varies. Yes for Out-Patient and Dental treatment, unless you use a facility within your insurer's medical network. Where your hospital stay has been pre-authorized by your insurance company, you will not have to pay any money out of your own pocket. In case of an emergency, life threatening, situation the hospital will use the insurance card you carry with you to contact your insurer and confirm your level of cover.

You'll need to complete a claim form and send this, together with your treatment bills to your insurer who will usually reimburse you in 5 working days. This can be done my mail, fax, email, through your insurer's website and even via a smartphone application.

This varies from one insurer to another but there will usually be a waiting period for maternity and dental.

My Matchmaker is a fully independent private health insurance broker and we'll choose the best cover for your needs from a range of top insurers. No insurers, hedge funds or private equity firms are shareholders, avoiding any conflict of interest.

Yes. The added value of using My Matchmaker is that we will scour the multitude of products available from a range of top insurers to ensure that you buy the cover that best suits your circumstances.

Travel Insurance will cover medical emergencies when traveling. IPMI will include medical emergencies when traveling and also routine and planed hospitalization and treatment. IPMI benefit-limits also tend to be higher than those offered by travel insurance and IPMI policyholders have a wider choice of medical practitioners.