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International Healthcare Insurance

As our name suggests, Expatriate Healthcare is dedicated to providing medical insurance for those living and working abroad. In fact, because that’s all we do, we are best placed to provide you with the right cover, at the right price to compliment your lifestyle overseas.

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.

Key Benefits of our Policies

  • Instant Cover
  • 24 Hour Support
  • No Hospital Restrictions
  • Comprehensive Protection
  • Chronic & Terminal Cover
  • No Out-of-pocket Hospital Expenses
Please read below for more details on our Expatriate Healthcare Insurance.

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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

10 sessions

Oncology/Cancer Treatmenttickticktick
Management of Chronic Conditions




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)


Complications of Pregnancy




Normal Delivery


Elective Caesarean Operation


Non-elective Caesarean Operation


Home Delivery


Home Nursing following Home Delivery

5 days

New Born 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


Examinations & Lenses (inc. contact lenses)



Medical Check-uptickticktick
Travel Vaccinationstick
Cervical Smearstick
Prostate Cancer Screeningtick

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Key Features


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.



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.


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About the Plans

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.


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.