International Health Insurance | Expat Medical Insurance

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International Healthcare Insurance

With 100,000 unique customers in 182 different countries, Expatriate Group are experts in delivering the best international health insurance to expats worldwide.

  • Instant Health Cover
  • 24 Hour Support
  • No Hospital Restrictions
  • Comprehensive Protection
  • Chronic & Terminal Cover
  • Coronavirus cover*

Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.

Level Term Life Insurance providing protection to your family in the event of your death during the term of the cover.

Protect your income against an accident or an illness that prevents you from attending your usual occupation.

Our Customers in Numbers

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Expats Covered

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Active Policies

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Different Countries

Our focus is to deliver peace of mind and provide the best health insurance for expats. This is reflected in our 3 key international medical insurance plans, which offer varying levels of healthcare coverage to suit your personal circumstances and budget.


Find out more about our Select Plan

Find out more about our Primary Plus Plan

Find out more about our Primary Plan

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

International Health Insurance FAQ

Find out more about our international healthcare policies that offer comprehensive and instant cover, with 24-hour support and no hospital restrictions.

Short Term Healthcare Insurance

Find out more about tailored insurance for the EXPAT / STUDENT / TRAVELLER / WORKER / VOLUNTEER

Country Guides

Get the essential information to bring countries to life in your mind’s eye…

The Benefit Schedule

Income Replacement Select Primary+ Primary
Accidental Death and Permanent Total Disability† $/€/£100,000
Hospital Benefits Select Primary+ Primary
Annual Aggregate Maximum $/€/£5,000,000 $/€/£1,500,000 $/€/£1,000,000
Private Hospital Bed
Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care.
Prescribed Medicine and Drugs
Diagnostic Tests and Procedures (including MRI, CAT, PET)
Oncology/Cancer Treatment
Psychiatric 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) $/€/£2,000 $/€/£2,000 $/€/£2,000
Parent Accommodation
Second Opinion for Surgery
Organ Transplant $/€/£300,000 $/€/£150,000 $/€/£100,000
Outpatient & GP Benefits Select Primary+ Primary
Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries

for pre-hospitalisation and then for 60 days following a valid hospitalisation
Prescribed Medicine and Drugs
Diagnostic Tests and Procedures (including MRI, CAT, PET)
Physiotherapy & Alternative Medicine 10 sessions
Oncology/Cancer Treatment
Management of Chronic Conditions $/€/£100,000 $/€/£20,000  
Psychiatric 10 sessions/$/€/£3,000 10 sessions/$/€/£3,000  
Assistance Services & Special Benefits Select Primary+ Primary
Emergency Medical Transportation
Local Ambulance
Expenses for accompanying Dependent
– Travel
– Accommodation & Subsistence


$/€/£150 per day


$/€/£100 per day


$/€/£75 per day
Repatriation of Mortal Remains $/€/£10,000 $/€/£5,000 $/€/£5,000
Compassionate Travel
Family Compassionate Travel $/€/£250 $/€/£250 $/€/£250
Terminal & Palliative Care $/€/£30,000 $/€/£20,000 $/€/£15,000
HIV, AIDS & ARCS $/€/£50,000 (lifetime) $/€/£50,000 (lifetime)  
Maternity Care Select Primary+ Primary
Complications of Pregnancy 100% $/€/£5,000 $/€/£5,000
Normal Delivery $/€/£7,500*    
Elective Caesarean Operation $/€/£7,500*    
Non-elective Caesarean Operation $/€/£7,500*    
Home Delivery $/€/£7,500*    
Home Nursing following Home Delivery 5 days*    
New Born Care $/€/£25,000*    
Dental Care Select Primary+ Primary
Accidental Emergency Dental Treatment
Routine Dental Treatment $/€/£750    
Basic Restorative Dental Treatment $/€/£750    
Major Restorative Dental Treatment $/€/£1,000    
Dental benefits (except Accidental) are subject to a 20% co-pay
Optical Care Select Primary+ Primary
Examinations & Lenses (inc. contact lenses) $/€/£150    
Preventative Care Select Primary+ Primary
Annual Medical Check-up $/€/£ 250 per year and 12 month waiting period  
Travel Vaccinations    
Cervical Smears    
Mammograms    
Prostate Cancer Screening    
† For Terms and Conditions see separate PAI Policy Wording
= 100% refund to policy annual maximum aggregate
* = Excludes costs incurred in first 12 months

Key Healthcare Insurance Features

coins24Medical Expenses

Medical expenses are the costs to treat or prevent an injury or disease. When not covered with international health insurance these costs can be extortionate.

To prevent you from these excessive expenses, one of the main features of Expatriate Group insurance plans is medical expenses. All three of our plans cover outpatient and GP services and any hospitilisation costs.

coins24Preventative 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.

dental careDental 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.

optical careOptical 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).

coins24Maternity 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.

coins24Complementary Medicine / Therapies

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

coins2424hr 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.

coins24AIDS/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.

Premium Rewards

Premium Rewards are our way of rewarding customers who remain claim free by discounting future premiums by up to 20%. If you don’t make a claim during the policy year you can earn a discount of up to 10% on your subsequent annual premium. Two years without a claim could see a discount of up to 15% and up to 20% for 3 years without making a claim. The table below demonstrates our discount opportunities.

Claim Free Period Select Select Select
1 year -5% -10% -10%
2 years -7.5% -15% -15%
3+ years -10% -20% -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 claim-free period with your previous provider, purchase a similar level of insurance from us, and you’ll enjoy discounted premiums going forward.

Notes:
New customers claiming Premium Rewards must provide proof of the period they have been claim-free from their current insurer. The 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 won’t fully lose your entitlement.

*Find out more about how Expatriate Group cover you for the treatment of Covid. COVID Insurance cover.

Our Partners

Lloyds London Insurance Broker
guardrisk
gen-re
scor

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As Featured In

  • The Telegraph
  • The Huffington Post
  • Yahoo
  • iPMIM
  • Forbes

FAQs International Healthcare Plans

Why is it important to have international expat insurance?

Is expatriate health insurance the same as travel insurance?

What does International Healthcare Insurance cover?

How do I claim?

What does 'Excess' mean?

Which hospitals can I use?

Are you regulated?

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

Can I purchase an International Healthcare Policy for less than 12 months?

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