This policy has been developed by Banner Financial Services Group Limited to meet the specific needs of mission and aid workers, and their families, whilst they are working/holidaying outside their Home Country.

The major concern of Banner Financial Services Group Limited is the physical wellbeing of the individual at all times. For this reason the main cover provided is for medical and emergency dental expenses. Please note that it is not private medical insurance. It does not cover elective surgery, nor is it intended to cover costs of day to day medical occurrences, eg, influenza, cuts and grazes or the costs of periodic or regular medical examinations.

Cover for cancellation and curtailment of the planned journey, personal accident, personal liability and personal possessions have also been included to try to ensure that all the major needs of a person working outside their Home Country are addressed.

Cover for all nationalities
Cover is available for all nationalities provided they are outside their Home Country.

No war risk exclusions
Cover is on a worldwide basis and includes cover for war under the Medical expenses, Personal Accident and Cancellation and Curtailment sections provided that you do not travel to or remain in any area that the Foreign and Commonwealth Office has issued specific advice to evacuate. If you choose to remain after this advice has been issued please contact our office to obtain approval, this will be subject to additional premium. Failure to apply for this cover, should you remain, will invalidate the policy.

The UK Foreign Office Website address: www.fco.gov.uk/travel/countryadvice.asp

Cancellation and curtailment
Cover for cancellation and curtailment is automatically provided from the date the application and premium are received. Full cover starts from the day that the planned journey actually commences.

Emergency medical expenses in the home country
If you have Annual Cover and there is no National Health Service or the equivalent available, the cost of emergency treatment for an accident or illness, which is required and incurred by you in your Home Country and within three months of your return, will be met, provided the Period of Insurance is still in force. The Medical Officer of the Assistance Company must deem this necessary, after consultation with the local treating doctor. This is subject to a maximum Sum Insured of £10,000. Such treatment will only be in respect of an ACUTE condition requiring Emergency Medical Treatment.

Annual renewal
It is possible for all policyholders to renew their cover whilst still working outside their country of domicile.