International Healthcare Insurance
Expatriate Healthcare plans provide medical cover for expatriates living and working abroad. Our focus to deliver peace of mind is reflected in our 3 key plans, which offer varied levels of cover to suit your personal circumstances and budget.
instant cover
- Instant Cover
- 24 Hour Support
- No Hospital Restrictions
- Comprehensive Protection
- Chronic & Terminal Cover
- No Out-of-pocket Hospital Expenses
The following provides a brief overview of the benefits provided by Expatriate Healthcare. This is a summary of benefit only and should be read in conjunction with the Policy Wording.
The limits stated within this document are applicable per person, per period of cover, unless otherwise stated.
The Expatriate Healthcare Select Plan is one of the most comprehensive private medical insurance plans on the market today. A total solution to your healthcare, chronic, dental and maternity needs, the plan not only provides you with excellent cover in the event of an illness, it also provides preventative benefits (vaccinations, checkups and screenings), for a healthier outlook.
Complete healthcare cover - The Primary+ Plan is based on our Select Plan without the elective services. It is an intelligent medical cover package, which competes favourably with most other providers' flagship products. Primary+ gives you access to your family doctor; inpatient, day patient and outpatient cover with reimbursement for specialists, physicians, chronic cover and alternative treatment (such as osteopathy, homeopathy and acupuncture).
The essential elements - The Primary Plan is aimed at covering you when you need it most. It includes inpatient and day-patient medical costs plus follow-up outpatient treatment and the Emergency Assistance and Repatriation benefits. The Primary Plan also provides you with cover to protect you against larger financial commitments.
Medical Expenses
We provide cover for inpatient and outpatient medical costs, liaising with medical staff and ensuring that you are receiving appropriate treatment.
Should any member of your family fall ill and require emergency medical transportation, we provide a round-trip airfare ticket for one accompanying dependant insured under the policy.
Not available on all plans. Please go to 'our benefits' for full details.
Preventative Care
Your health and well-being and that of those you love and value is of paramount importance. Expatriate Healthcare is committed to keeping you all healthy by providing regular health checks and tests. These include vaccinations, annual medical check-ups and cervical smears.
We even provide for prostate cancer screening and mammograms for the over 45's.
Not available on all plans. Please go to 'our benefits' for full details.
Dental
Your general health and well-being also extends to your dental health. Good dental health requires regular and routine check-ups and resulting restorative treatment can be costly.
Expatriate Healthcare understand that prevention is always the better solution so we provide you with cover for routine check-ups and treatment plus, in the event of further treatment being required, both basic and major restorative treatment.
Not available on all plans. Please go to 'our benefits' for full details.
Optical Care
Changes to your eyesight are inevitable. That's why Expatriate Healthcare provide a benefit covering the cost of an annual eye examination for each person insured under the policy.
Where there is a change to Your prescription We will also cover you for the cost of prescription lenses (including standard contact lenses).
Not available on all plans. Please go to 'our benefits' for full details.
Maternity Care
We know that when you are expecting a baby, you need to feel confident that appropriate care is available.
Once you have been covered by the policy continuously for 12 months, if you become pregnant, we provide for your antenatal appointments in the run up to the big day and for the delivery itself. And to get you back on your feet in those early days, we also allow for home nursing for 5 days after home delivery.
Not available on all plans. Please go to 'our benefits' for full details.
Complementary Medicine / Therapies
Should you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homoeopathy and acupuncture.
Not available on all plans. Please go to 'our benefits' for full details.
Emergency Assistance
In the event of an emergency, one simple call to Expatriate Healthcare's assistance service provider and arrangements will be made for you to be transported to the nearest location for appropriate treatment.
Through our multilingual 24-hour support partner, we will liaise with you, your family and the local healthcare services, keeping you continually updated.
24 hour Emergency Medical Assistance is standard on all of our international healthcare plans.
Not available on all plans. Please go to 'our benefits' for full details.
AIDS/HIV and Chronic Conditions
We understand that not all medical conditions can be cured.
Chronic conditions usually require you to have regular check-ups, nursing care and routine or daily medication. Thankfully, with the right medical support, many people can live a relatively normal life whilst suffering with a chronic condition. However, the financial implications can be devastating.
We support you by providing benefits in respect of both HIV and chronic conditions.
Not available on all plans. Please go to 'our benefits' for full details.
Premiums are based upon the countries in which you wish to receive medical treatment. Accordingly please choose cover based on the Area most appropriate to you. For instance, if you reside in Thailand and wish treatment in this country only, you should apply for Area 2 cover. However, if you reside in Thailand, but also want to receive treatment in France, please apply for Area 3 cover. In any event, you are covered outside your selected area for accident and emergency treatment in respect of new conditions on trips of less than 30 days. (See POLICY WORDING for full details).
If you are in doubt of your options or how they apply to you, please contact your insurance advisor, or call one of our advisors on +44 (0)20 3195 7481.
| Country | Band | Country | Band | Country | Band |
| AFGHANISTAN ALASKA ALBANIA ALGERIA ANDORRA ANGOLA ANTIGUA ARGENTINA ARMENIA AUSTRALIA AUSTRIA AZERBAJAN BAHAMAS BAHRAIN BANGLADESH BARBADOS BELGIUM BELISE BENIN BERMUDA BOLIVIA BOSNIA BOTSWANA BRAZIL BRITISH VIRGIN ISLANDS BRUNEI BULGARIA BURKINA FASO BURUNDI BYLORUSSIA CAMBODIA CAMEROON CANADA CAYMAN ISLANDS CENTRAL AFRICAN REPUBLIC CHAD CHILE CHINA (exc. Hong Kong) COLOMBIA CONGO CORSICA COSTA RICA CRETE CROATIA CUBA CYPRUS CZECH REPUBLIC DENMARK DJIBOUTI DOMINICAN REPUBLIC ECUADOR EGYPT ETHIOPIA FALKLANDS FIJI FINLAND FRANCE FRENCH POLYNESIA GAMBIA GEORGIA GERMANY GHANA GIBRALTAR GREECE |
Area 3 Area 5 Area 3 Area 1 Area 3 Area 2 Area 5 Area 5 Area 3 Area 3 Area 3 Area 3 Area 5 Area 2 Area 1 Area 5 Area 3 Area 5 Area 2 Area 5 Area 3 Area 3 Area 2 Area 4 Area 5 Area 2 Area 3 Area 2 Area 2 Area 3 Area 1 Area 2 Area 5 Area 5 Area 2 Area 2 Area 2 Area 4 Area 3 Area 2 Area 3 Area 3 Area 3 Area 3 Area 3 Area 3 Area 3 Area 3 Area 2 Area 5 Area 3 Area 2 Area 2 Area 3 Area 2 Area 3 Area 3 Area 2 Area 2 Area 3 Area 3 Area 2 Area 3 Area 3 |
GREENLAND GRENADA GUAM GUATEMALA GUERNSEY/ALDERNEY HAITI HAWAIIAN ISLANDS HONDURAS HONG KONG HUNGARY ICELAND INDIA INDONESIA IRAN IRAQ IRISH REPUBLIC ISRAEL ITALY IVORY COAST JAMAICA JAPAN JERSEY JORDAN KENYA KHAZAKSTAN KOREA KUWAIT LAOS LATVIA LEBANON LESOTHO LIBERIA LIBYA LIECHTENSTEIN LITHUANIA LUXEMBOURG MADAGASCAR MALAWI MALAYSIA MALDIVES MALI MALTA MAURITANIA MAURITIUS MEXICO MOLDAVIA MONACO MONGOLIA MOROCCO MOZANBIQUE MYANMAR NAMIBIA NEPAL NETHERLANDS NETHERLANDS ANTILLES NEW CALEDONIA NEW ZEALAND NICARAGUA NIGER NIGERIA NORTHERN IRELAND NORWAY OMAN OTHER CARIB ISLANDS |
Area 3 Area 5 Area 1 Area 3 Area 3 Area 5 Area 5 Area 3 Area 4 Area 3 Area 3 Area 2 Area 2 Area 2 Area 2 Area 3 Area 3 Area 3 Area 2 Area 2 Area 4 Area 3 Area 3 Area 2 Area 3 Area 2 Area 3 Area 1 Area 3 Area 3 Area 2 Area 2 Area 2 Area 3 Area 3 Area 3 Area 2 Area 2 Area 2 Area 2 Area 2 Area 3 Area 2 Area 2 Area 4 Area 3 Area 3 Area 1 Area 1 Area 2 Area 1 Area 2 Area 1 Area 3 Area 5 Area 2 Area 3 Area 2 Area 2 Area 2 Area 3 Area 3 Area 3 Area 5 |
PAKISTAN PANAMA PAPUA NEW GUINEA PARAGUAY PERU PHILIPPINES POLAND PORTUGAL PUERTO RICO QATAR ROMANIA RUSSIA RWANDA SARDINIA SAUDI ARABIA SENEGAL SERBIA SEYCHELLES SIBERIA SICILY SIERRA LEONE SINGAPORE SLOVENIA SOLOMAN ISLANDS SOMALI REPUBLIC SOUTH AFRICA SPAIN SRI LANKA ST LUCIA SUDAN SWAZILAND SWEDEN SWITZERLAND SYRIA TAHITI TAIWAN TANZANIA TASMANIA THAILAND TOGO TONGA TRINIDAD/TOBAGO TUNISIA TURKEY TURKS AND CAICOS ISLANDS U.S. SAMOA UGANDA UKRAINE UNITED ARAB EMIRATES UNITED KINGDOM UNITED STATES OF AMERICA URUGUAY UZBEKISTAN VANUATU VENEZUELA VIETNAM VIRGIN ISLANDS WEST INDIES WESTERN SAMOA YEMEN ZAIRE ZAMBIA ZIMBABWE |
Area 1 Area 3 Area 2 Area 2 Area 2 Area 1 Area 3 Area 3 Area 3 Area 3 Area 3 Area 3 Area 2 Area 3 Area 3 Area 2 Area 3 Area 2 Area 3 Area 3 Area 2 Area 3 Area 3 Area 3 Area 2 Area 2 Area 3 Area 2 Area 5 Area 2 Area 2 Area 3 Area 5 Area 2 Area 3 Area 3 Area 1 Area 3 Area 2 Area 2 Area 3 Area 5 Area 2 Area 3 Area 3 Area 2 Area 2 Area 3 Area 2 Area 3 Area 5 Area 2 Area 3 Area 1 Area 2 Area 1 Area 5 Area 2 Area 1 Area 3 Area 2 Area 2 Area 2 |
Premium Rewards are our way of rewarding customers who remain claim free by discounting future premiums by up to 20%. Simply put: if don't make a claim in a policy year you can earn a discount of up to 10% on your subsequent annual premium, up to 15% for two years without a claim and up to 20% for 3 years claims free or greater, as the table below demonstrates.
| Premium Reward | ||
| Claim Free Period |  |
  |
| 1 year | -5% | -10% |
| 2 years | -7.5% | -15% |
| 3+ years | -10% | -20% |
If you are a Select customer claims under the Maternity, Dental, Optical or Preventative Services will not affect your entitlement to Premium Rewards.
Premium Rewards are also available to new customers who are insured elsewhere. Simply demonstrate the period you have been claim free, purchase a similar level of insurance and you'll enjoy discounted premiums.
Notes:
New customers claiming Premium Rewards must provide proof of the period they have been claims free from their current insurer. Cover must be current, continuous and without any break. A comparable level of cover must be purchased from us.
In the event that you do need to claim, you will lose two years of your Premium Reward entitlement, so if you've been claims free for three years you wont fully lose your entitlement.
Need help?
Please call one of our advisors on +44 20 3195 7481. Email us at info@exphealth.com or use our Call back feature
Third Floor, 36-38 Botolph Lane, London EC3R 8DE, United Kingdom
Tel: +44 (0)20 3195 7481 Fax: +44 (0)870 428 5141 Email: info@exphealth.com
