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With 100,000 unique customers in 182 different countries, Expatriate Healthcare are the experts in delivering international medical insurance to expats worldwide.
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Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.
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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 focus is to deliver peace of mind and this is reflected in our 3 key insurance plans, which offer varied levels of international medical coverage to suit your personal circumstances and budget.
Key Benefits of our International Healthcare Policies
Find out more about our international healthcare policies that offer comprehensive and instant cover, with 24-hour support and no hospital restrictions.
Find out more about tailored insurance for the EXPAT / STUDENT / TRAVELLER / WORKER / VOLUNTEER
Get the essential information to bring countries to life in your mind’s eye…
The Benefit Schedule
Key Healthcare Insurance Features
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.
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.
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).
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.
Should you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homeopathy and acupuncture.
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.
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 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.
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.
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FAQs International Healthcare Plans
The term ‘Excess’ (sometimes known as a ‘Deductible’) is the amount of any claim that you will be liable to pay the healthcare facility before the insurance policy takes over, per policy period.
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.
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'.
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.
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.
Yes, to obtain a quote and buy cover for between 3 months and 11 months click here – Short Term Healthcare
Expatriate Group.Delmon House,36-38 Church Road,Burgess Hill,West Sussex,RH15 9AE
Registered Address.35 Ballards Lane,London,N3 1XW
Tel: +44 (0)20 3551 6634Fax: +44 (0)870 428 5141Email: firstname.lastname@example.org
Short Term Healthcare Insurance
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Expatriate Group & Expatriate Healthcare are trading styles of Strategic Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm reference Number is 307133. Strategic Insurance Services Limited is authorised to carry on Regulated Activities in accordance with the permissions granted by the FCA under PART IV of the Financial Services and Markets ACT 2000.