Am I covered for UK medical expenses if I am a Channel Islands resident?

Channel Islands residents (permanently residing in the Bailiwick of Guernsey or the Bailiwick of Jersey) are covered for medical expenses on UK trips, despite the changes to the reciprocal medical agreement. For cover to apply, your trip must be for at least two nights away from where you usually live.

If you are hospitalised in or treated at an NHS run medical facility during your insured trip to the UK mainland, our policies will extend to cover emergency medical, repatriation and associated expenses in accordance with the full terms, conditions, exclusions and restrictions outlined in our Policy Wording.

(Policyholders residing in the Channel Islands who bought their insurance prior to 10th November 2010 will have received an endorsement letter confirming this cover, which you can attach to your Policy Schedule.)