Introduction

Welcome to WorldCover24. By using our website, requesting a quote, or engaging with any of our services, you agree to comply with the Terms & Conditions outlined here. These terms govern your relationship with WorldCover24 and explain your rights, responsibilities, and limitations when using our insurance advisory and quotation services.

We strongly encourage you to read these Terms & Conditions carefully. If you have any questions, feel free to contact us at quote@worldcover24.com. Your use of our website and services constitutes acceptance of these terms.

Service Description

WorldCover24 acts as an independent insurance intermediary. Our role is to provide clients with international health insurance quotations, plan comparisons, benefit summaries, and assistance in selecting the most suitable coverage. We do not underwrite, issue, or provide insurance policies directly. All final contracts are established strictly between the client and the respective insurance provider.

• Providing tailored international health insurance quotations.
• Assisting clients in comparing plan benefits and premium options.
• Communicating plan details as supplied by the insurer.
• Supporting clients during the policy application process.
• Ensuring transparency regarding premium changes, taxes, or updates.

Client Responsibilities

Clients must provide accurate, complete, and up-to-date personal information when requesting insurance quotations or applying for a policy. Any incorrect or incomplete details may affect the accuracy of quotations, eligibility, or claim outcomes. Clients are responsible for reviewing all policy documents, terms, and exclusions provided by the insurer before proceeding with coverage.

Payment Terms

All insurance premium payments are made directly to the insurance company, not to WorldCover24. Premium amounts displayed in quotations do not include local insurance premium taxes unless explicitly stated. Final premiums may change based on tax requirements, underwriting adjustments, or currency fluctuations. Clients must review and understand the insurer’s payment schedule, renewal terms, and refund policies.

Service Delivery and Timelines

WorldCover24 aims to deliver quotations, policy information, and insurer updates promptly. However, timelines may vary depending on insurer response times, underwriting requirements, or additional information requested from the client. We commit to maintaining transparent communication throughout the process and informing clients of any expected delays.

Data Accuracy

All insurance quotations are based entirely on the information provided by the client. WorldCover24 is not responsible for inaccuracies that result from incomplete or incorrect details submitted by the client. Clients are required to verify their personal information and update us immediately if any details change during the quotation or application process.

Confidentiality

We take your privacy seriously. All information shared with WorldCover24 is handled confidentially and used only for insurance-related purposes. We implement strong security practices to protect your data from unauthorized access or disclosure. For full details, please refer to our Privacy Policy.

Intellectual Property

All content available on the WorldCover24 website, including text, graphics, branding, and digital materials, is the property of WorldCover24 and may not be copied, reproduced, or distributed without prior written permission. Clients receive access to insurance-related documents solely for personal and non-commercial use.

Termination of Services

WorldCover24 reserves the right to discontinue services or refuse assistance if terms are violated, misinformation is provided, or in circumstances where continued service is not feasible. Clients may also choose to discontinue communication or assistance at any time. Termination of our advisory services does not affect any active insurance policy you hold with an insurer.

• 1. Ownership

  All proprietary tools, written materials, and advisory resources shared by WorldCover24 remain our intellectual property.

• 2. License

  Clients may use information and documents we provide only for the purpose of evaluating or applying for an insurance policy.

• 3. Confidentiality

  Clients must not share, publish, or distribute any confidential material, quotations, or proprietary documents received from WorldCover24.

Dispute Resolution

In case of any dispute regarding our services, both parties agree to first attempt resolution through communication and mutual understanding. If an agreement cannot be reached, the matter may be escalated through mediation or arbitration, following the laws of the relevant governing jurisdiction. Legal actions, if required, shall be filed in the courts of the applicable jurisdiction.