Can I claim if I'm abroad?
Often, yes, but it depends on the policy and where you are. Life insurance usually covers death anywhere in the world, though some policies have restrictions for certain countries or long stays abroad. Income protection and critical illness claims may need evidence from UK-recognised doctors or have conditions about time spent outside the UK. Check your policy terms.
Evidence from abroad
Insurers may ask for medical reports to be translated or confirmed by a UK specialist. Keep copies of all medical records and reports.
Income protection abroad
Some income protection policies limit how long benefit is paid while you are outside the UK, or require you to return for assessment.
Tell your insurer before you go
If you plan to live or work abroad for a long period, tell the insurer in advance so you understand any effect on your cover.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026