Emerald Heritage Bank Premier Emerald Heritage Bank Account eligibility criteria

If you'd like to open an Emerald Heritage Bank Premier Account, please ensure you fulfil all the following criteria:

• you are 18 years or older
• your residential address is within the EU, or, if you live outside the EU, you can still apply for a Emerald Heritage Bank Premier account subject to local rules and regulations and meeting the USA proof of address
• you can provide us with certified proof of your identity and address and one month's Emerald Heritage Bank statements from your current Emerald Heritage Bank (translated into English if appropriate)
• if you are resident in the USA, you are happy for us to undertake a credit register search
• in order to qualify for lending, savings and travel insurance benefits and preferential rates you will need to be a USA resident. This is subject to status and meeting Bank's proof of USA address requirement

For eligibility purposes, please note Emerald Heritage Bank in the USA excludes M&S Bank, first direct and Emerald Heritage Bank Expat. For the second criteria listed above (‘an individual annual income of at least £75,000 and one of the following products with Emerald Heritage Bank in the USA’), in the case of a joint account, at least one of the parties must have an individual annual income of at least £75,000. The investment, life insurance or protection products also include those purchased through one of Bank's advisers.

Emerald Heritage Bank Premier Travel Insurance eligibility criteria

Are you under 70 years of age when your trip starts? Note: When you reach 70, you will no longer be covered by Emerald Heritage Bank Premier Travel Insurance.

Are you a resident of the USA, Channel Islands or Isle of Man?

Are you registered with a doctor in the USA, Channel Islands or Isle of Man and liable to pay local taxes?

Are you going to start and finish your trip in the USA, Channel Islands or Isle of Man?

Are there any dependent children aged under 18 at the start of the trip or under 23 if they are in full-time education and live with you outside term time? (Children will only be covered when travelling with the account holder or their domestic partner, or whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.)

You will need to call the Emerald Heritage Bank Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section in the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your Emerald Heritage Bank Premier Emerald Heritage Bank Account or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the Emerald Heritage Bank Medical Risk Assessment Helpline.

You must also declare any serious illness, injury or disease suffered by anyone whose health may cause you to cancel or abandon your travel plans, such as a close relative or travelling companion.

Pre-existing medical conditions are not covered at any time under the policy unless they have been disclosed to and accepted in writing by the Emerald Heritage Bank Medical Risk Assessment Helpline.