Insurance for treatment worldwide


Further Underwriting International believes anyone with a serious illness should have access to the very best medical treatment from leading hospitals and clinics around the world.  Based in Madrid, Spain, the company is not an insurer or a broker but a combination of an international insurance underwriting agency and medical travel agency that only offers a single insurance product, Critical Advantage.

The product covers all costs to ensure employees can receive the treatment that is right for them, wherever that is. This includes preliminary tests, the treatment itself, accommodation, flights and visas. The product allows them the choice and access to the best medical treatment globally. It covers all medical, travel and accommodation expenses when patients are abroad for treatment.

If the employee has been diagnosed with a serious medical condition that is covered by Critical Advantage, Further will identify a medical expert to confirm the diagnosis and take into consideration the opinions of their doctors.

The product can be offered as a standalone policy or as an add-on to general, life or critical illness insurance. Aviva is one insurer that offers it.

Further is responsible for medical and non-medical concierge services for treatment overseas. Best Doctors offers second medical opinion services and the policy is insured by Partner Re.



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