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Can I use all of my health benefits overseas?

All Global Series benefits can be utilised both locally and globally. Refer to the Schedule of Benefits for more details. For benefits which are not specifically labelled as “local” or “overseas” on the Schedule of Benefits, the reimbursement amount noted on the Schedule applies, regardless of jurisdiction of service.

Although you can obtain care globally, not all jurisdictions and overseas health providers recognise international health insurers. This may result in requests to pay upfront at the point of services as an out-of-pocket expense. In these cases, a claim will need to be submitted to BF&M for incurred out-of-pocket expenses and BF&M will provide a personal reimbursement for expenses in accordance with our outlined benefits. 


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