A 12-month medical policy can include planned care that a short travel policy does not. That does not mean every clinic, test or treatment is available from the first day.
In this guide+
Provider clinics
Unison's individual health terms define a provider as a medical facility under contract with the insurer. Its terms distinguish provider care from care outside the network. Check the current clinic list, referral route, co-payment and prior approval requirements for the plan you choose.
Waiting periods vary by service
The published Unison individual health wording applies different waiting periods to specified services, including planned outpatient care and certain tests. These periods belong to that product and may depend on continuous prior cover. Read the schedule in the exact policy; do not infer that every emergency or every planned service starts together.
Before booking treatment
Ask the insurer whether the clinic and service are covered now, whether a family-doctor referral is needed and what you would pay. Keep the insurer's answer and the policy schedule. GeoCover does not make claim or medical-necessity decisions.
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Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.
