Expatriate health insurance
Whilst short term travel arrangements may not require private medical health insurance those permanently living overseas or regularly working abroad need to think seriously about their health insurance cover. Expatriates are exposed to foreign health risks and the idiosyncrasies of their local healthcare systems. Therefore it is highly important to have secure expat medical insurance in place in case of possible medical issues or emergencies. At Expatriate Healthcare, we offer international health insurance designed specifically for expatriates. Our expatriate medical insurance gives you the peace of mind to relax and enjoy your time overseas.

Expat health insurance - why you need it
Whilst studying or working abroad for a short term you may be covered by a university or cross border reciprocal healthcare agreement. If you have a local residency permit and you are employed and paying taxes locally, you may be eligible for some treatment within your country's public health system. Please be mindful of the state of the local healthcare systems in your country of residency. Each country has its own healthcare resource issues and it's very rare that a country is happy for an expatriate to become a burden on their healthcare system without some form of contribution. Some healthcare systems are incredibly strained; relying on the public healthcare system could result in you facing slow service and a low standard of care. Indeed, you may want to receive your healthcare treatment in another country altogether. Expatriate health insurance allows you to select from a variety of health cover plans to suit to your personal circumstances, ensuring that you have the best level of healthcare whilst living abroad - so expat medical insurance allows you to have treatment wherever you want it in the medical facility of your choice.

Expatriate medical insurance - Outpatient treatment
Outpatient treatment: this can be classed as any treatment that you receive that isn't associate with an admission to a hospital bed and can include a wide variety of medical services from a visit to your family doctor or GP (and the prescription medication they prescribe) through physiotherapy, diagnostics (scans such as x-rays, MRI, CT), chronic care, dentistry, optical care, maternity care and consultation fees. These are the treatments that are claimed with greater frequency, but with (generally) a lower overall cost. Policies are available with outpatient treatment covered fully or just where received as follow up to an inpatient stay so that you can tailor the benefits and premium to your own circumstances.

Inpatient expatriate health insurance
Inpatient international medical insurance should cover all aspects of inpatient care including accommodation, treatment, medication, operations, emergency, intensive care and any treatments that form part of your hospital stay. Generally this is the minimum level of cover a customer would require: covering the low frequency, but high treatment costs. Policies come with a selection of different excess options so that you can tailor your plan and benefits to reflect your own specific needs from an international healthcare policy.

Expatriate medical insurance tailored to you
There are many variables to consider when choosing your international private medical insurance policy: your level of activity, the length of your stay, the level of care in your chosen country, your medical history and your current condition of health and your budget. Cover can be tailored to suit meet your personal circumstances. You can choose a policy which covers you for hospitalisation treatment with a high excess or a policy with no excess covering a huge range of benefits including hospitalisation, outpatient care, optical care, maternity, dental treatment, chronic conditions cover, annual medical check up, preventative health screening (PAP, mammogram, PST screen) and travel vaccinations. Emergency medical evacuation always comes as standard.

Immediate expat health insurance
At Expatriate Healthcare, our expat health insurance guarantees any inpatient appointments directly with your hospital following approval, so you are never left out of pocket in cases of emergency. Because our international medical insurance polices and cover are flexible you are free to choose to receive your treatment at any hospital in any country (within the area you select at the outset). So if you decide you want to have your knee replacement surgery in a hospital in Belgium - because that's where you're told the best level of care is available - you are free to do so with our international private medical insurance. Call our 24 hour emergency assistance international health insurance helpline and we will issue the treating hospital with a guarantee of payment for all valid treatment.

Three levels of expat health insurance cover to suit different needs and budgets:

The Primary plan
The Primary expat insurance plan covers you for vital medical needs, including as inpatient and day-patient hospitalisation treatment (room & board, surgery, intensive care, anaesthetists' and operating theatre fees, specialist, physician and nursing fees, prescribed medicine and drugs, diagnostic tests and procedures, oncology/cancer treatment, psychiatric, hospital cash benefit, ambulance, emergency medical evacuation, palliative care, home nursing, rehabilitation, compassionate travel, complications of maternity & parent accommodation) plus follow up outpatient care, emergency medical assistance and repatriation benefits. The primary plan also provides international private medical insurance cover for larger financial commitments.

The Primary+ plan
Our Primary + expat insurance plan has all the benefits of the primary plan, with the added elements having higher policy limits, access to your family doctor or GP, cover for OP specialist treatments, physician appointments, prescribed drugs and dressing, care for chronic conditions and even reimbursement for homeopathic and alternative treatments (including chiropractic acupuncture treatment).

The Select plan - comprehensive expatriate medical insurance
The Select expat insurance plan is our most comprehensive international private medical insurance plan. All aspects of our Primary+ plan are included in your international medical insurance plan, plus a number of elective healthcare benefits including: maternity care, dentistry, optical care and preventative care (Pap, mammogram, PST) as well as an annual medical check-up. With the Select plan you have comprehensive international health insurance giving you wide ranging access to medical treatment for emergency, non-elective and elective treatments to avoid nasty surprises relating to the cost of treatment or the level of care you receive.

Expatriate Healthcare for your expat medical insurance
At Expatriate Healthcare, we understand the need for security and peace of mind when you are living and working abroad. We also understand the importance of good health. That is why we have created affordable international healthcare plans to cover a variety needs, so that you can enjoy confidence in your international health insurance plan with our expat medical insurance.