Uruguay
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Uruguay & Life Insurance
Life insurance options for people travelling to Uruguay will normally be available at regular terms, when you are doing a short-term holiday.
You can find that your options for life insurance change if you are going for what insurers consider to be a long holiday, or to work in Uruguay.
To check your life insurance options we will ask:
- When will you visit Uruguay?
- How often do you travel abroad?
- How long is your stay to Uruguay?
- Are you travelling to Uruguay for work or a holiday?
Journeys under 30 days will usually give you normal terms and basic premiums for life insurance. If you plan trips over 30 days or multiple visits to Uruguay in the year, some insurance providers could offer life insurance with non-standard terms. Our advisors will look at every way possible to try and stop this increase from taking place.
If you are planning on travelling to Uruguay for more than 30 days for a holiday, or more than a week for work, you might need to place your life insurance with a more specialist insurer.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover applications may ask for your reasons of travel to Uruguay, if you are going there for a while. Most insurers will also ask the duration of your stay and how often you plan on going to Uruguay.
The reasons that they do this is because the risk of claiming on critical illness cover is linked to the healthcare systems of a county. This means the insurers are trying to figure out if they need to assess you based upon UK health data, or health data from Uruguay.
Short-term trips should have no affect on your critical illness cover protection. Long-term trips to Uruguay could result in your policy having special terms, or potentially being declined by some insurers.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection should be at normal terms for travellers to Uruguay, taking short trips to the country. If you are travelling for work, your insurer will want to know what your duties are in Uruguay.
A trip under 30 days may have an influence on your application, although you are likely going to get it at normal terms. Trips over 30 days could result in income protection with non-standard terms. There are some instances where UK insurers may decline your application for life insurance, at which point we can potentially look at international options for you.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Are you planning on a trip to Uruguay? We’ve teamed up with a specialist travel insurance broker who can provide comprehensive cover for most countries. Request your no obligation travel insurance quote here.
Uruguay
- Primary Concerns: Duration of stay, location
- Reason for Travel: Business, leisure
- Duration of Stay: Holiday break, sabbatical, employment contract
- Popular Locations: Montevideo, Colonia del Sacramento, Punta del Este
Fun Facts
- Uruguay is the smallest country in South America that speaks Spanish
- Uruguay has the meaning ‘river of painted birds’
- Uruguay has the longest national anthem in the world, with it lasting 5 minutes long
- For more information on specific health conditions, pastimes, occupations and countries please select here:
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Theodore Knowles
Author
This page was written by Theodore Knowles under the guidance of Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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