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International Healthcare Insurance

As our name suggest, Expatriate Healthcare is dedicated to providing international medical insurance for those living and working abroad as expats, travellers or volunteers.

In fact, because that’s all we do, Expatriate Healthcare are best placed to provide you with the right global healthcare cover at the right price to compliment your lifestyle overseas.

Our focus is to deliver peace of mind is reflected in our 3 key insurance plans, which offer varied levels of international medical cover to suit your personal circumstances and budget.

Key Benefits of our International Healthcare Policies

  • Instant Healthcare Cover

  • 24 Hour Support

  • No Hospital Restrictions

  • Comprehensive Protection

  • Chronic & Terminal Cover

  • No Out-of-pocket Hospital Expenses

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What is International Healthcare Insurance?

Medical care abroad can often be expensive and difficult to arrange, especially during an emergency. However, our international healthcare policies offer comprehensive and instant cover, with 24-hour support and no hospital restrictions. The correct international healthcare insurance with Expatriate Healthcare can give you increased confidence in your life overseas.


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Benefit Schedule

Annual Aggregate Maximum




Hospital Benefits
tick = 100% refund to policy annual maximum aggregate
Private Hospital Bedtickticktick
Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care.tickticktick
Prescribed Medicine and Drugstickticktick
Diagnostic Tests and Procedures (including MRI, CAT, PET)tickticktick
Oncology/Cancer Treatmenttickticktick

30 days

30 days

30 days

Home Nursing (following hospitalisation)

30 days

30 days

30 days

Hospital Cash Benefit

€150 per night

€100 per night

€75 per night

Rehabilitation (following hospitalisation)




Parent Accommodationtickticktick
Second Opinion for Surgerytickticktick
Organ Transplant




Outpatient & GP Benefits
Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeriesticktick

for pre-hospitalisation and then for 60 days following a valid hospitalisation

Prescribed Medicine and Drugsticktick
Diagnostic Tests and Procedures (including MRI, CAT, PET)ticktick
Physiotherapy & Alternative Medicine

20 sessions

10 sessions

Oncology/Cancer Treatmenttickticktick
Management of Chronic Conditions




10 sessions/€3,000

10 sessions/€3,000

Assistance Services & Special Benefits
Emergency Medical Transportationtickticktick
Local Ambulancetickticktick
Expenses for accompanying Dependent
– Travel
– Accommodation & Subsistence

€150 per day

€100 per day


€75 per day

Repatriation of Mortal Remains




Compassionate Traveltickticktick
Family Compassionate Travel




Terminal & Palliative Care





€50,000 (lifetime)

€50,000 (lifetime)

Maternity Care
Complications of Pregnancy




Normal Delivery


Elective Caesarean Operation


Non-elective Caesarean Operation


Home Delivery


Home Nursing following Home Delivery

5 days*

New Born Care


Dental Care
Accidental Emergency Dental Treatmenttickticktick
Routine Dental Treatment


Basic Restorative Dental Treatment


Major Restorative Dental Treatment


Dental benefits (except Accidental) are subject to a 20% co-pay

Optical Care
Examinations & Lenses (inc. contact lenses)


Preventative Care
Medical Check-upticktick
Travel Vaccinationstick
Cervical Smearstick
Prostate Cancer Screeningtick

* = Excludes costs incurred in first 12 months.

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Trust Pilot

Excellent Service Excellent service when buying travel insurance. Good standard charge telephone support from an operator who answered ALL the questions immediately.
Excellent customer service, great value for money I have just renewed my annual travel insurance for the first time. I bought the policy a year ago, when I needed cover in a hurry, at a reasonable price.
Easy to sort out Friendly staff on live chat. Easy to set up a policy
Trusting This my second time that i bought an insurance with you and is a serious company and im very happy traveling safely
excellent comms I have just purchased an annual travel policy for myself and my partner. I had numerous questions, all of which were answered immediately and competently by the online chat service. Obviously I havent had to make any claim on the insurance so do not know how they would fair in this regard, but as for buying on line I could not fault them and would certainly recommend - subject to, as I said, any problems should I have to make a claim - but we all hope this will not be necessary.

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Key Healthcare Insurance Features

coins24Medical 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.

medical14Preventative 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.

tooth23Dental Care

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.

eye46Optical 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.

baby146Maternity 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.

massage2Complementary Medicine / Therapies

Should you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homeopathy and acupuncture.

Not available on all plans. Please go to ‘our benefits’ for full details.

chopper24hr 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.

electrocardiogram1AIDS/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.

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Private Medical Insurance Plans

Select Planexpat_select

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.

Primary+ Planexpat_primary+

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).

Primary Planexpat_primary

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.


Premium Rewards

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 PeriodPrimary healthplanPrimary+ healthplan Select healthplan
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.

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.


FAQs International Healthcare Plans

What does ‘Excess’ mean?

The term ‘Excess’ (sometimes known as a ‘Deductible’) is the amount of any claim that you will be liable to pay the health care facility before the insurance policy takes over, per policy period.

How do I claim?

Expatriate Group always endeavour to settle claims within 5 working days of their substantiation. To make the process of claiming as simple and painless as possible for you, login to Member Services here to access your pre-authorise claims, make a claim online or alternatively to check the progress of an existing claim.

Which hospitals can I use?

You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorised beforehand. See here for a directory of hospitals.

Please note the directory of hospitals is for information only and is not a ‘network’

Are you regulated?

Yes, Strategic Insurance Services Limited 9trading as Expatriate Healthcare and Expatriate Group)  is authorised and regulated by the Financial Conduct Authority. Our FCA Firm Reference Number is 307133.

What happens if I wish to cancel my International Healthcare policy?

International Healthcare policies can be cancelled any time during your 14 day cooling off period, so long as you haven’t made a claim, we will refund your premium in full. Cancelling your policy mid-term for a valid reason, provided you haven’t claimed, we will refund your premium based on a scale. For further information please see General Conditions – Policy Wording, page 10.

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