An annual policy can cover several journeys within a policy period, subject to eligibility and individual trip limits.
The distinction that matters
A year of policy validity does not mean one continuous overseas stay is insured for that year.
What to check
- Check maximum days per journey.
- Declare destinations and activities.
- Compare family eligibility and renewal conditions.
Example to discuss
A worker taking several short trips and one four-month stay should check whether the long journey exceeds the per-trip limit.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.