International Health Insurance | Expat Medical Insurance

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International Corporate Healthcare Insurance

A complete employee protection solution. Protecting your most important asset with health, travel, EAP and income replacement benefits.

  • Instant Health Cover
  • 24 Hour Support
  • No Hospital Restrictions
  • Comprehensive Protection
  • Chronic & Terminal Cover
  • Employee Assistance Program
  • Income Replacement
  • Business Travel Insurance
  • Coronavirus cover*

About Expatriate Group’s Corporate Group Solution

Employees are our greatest asset. Providing the right level of support to aid recruitment, retention and – in the event of illness – helping staff to return to the workplace quickly and with the best tools to help them perform at their best.

Expatriate Group’s Corporate Group policy provides a comprehensive package of benefits to enable HR managers to centralise a number of essential products that modern-day companies require for protecting staff and managing risk.

One product that provides 24/7 Health; Business Travel; Income Replacement; EAP: managed under one central contract.

Our Customers in Numbers

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Expats Covered

Over

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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
  • Employee Assistance Programme
  • Income Replacement
  • Business Travel Insurance

Coronavirus Cover

Our International Health Insurance policies all cover you for the treatment of Covid-19.

Find out more

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 $/€/£50,000 $/€/£25,000
Employee Assistance Programme Select Primary+ Primary
24/7/365 compassionate support, trauma management, wellbeing support. 6 sessions 6 sessions 6 sessions
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    
Overseas Business Travel Select Primary+ Primary
Unlimited Annual Multi-trip business. Maximum trip duration up to: 42 days 30 days 14 days
Emergency and Accidental Medical Treatment $/€/£1,000,000 $/€/£1,000,000 $/€/£1,000,000
Emergency Medical Evacuation $/€/£100,000 $/€/£100,000 $/€/£100,000
Baggage Delay $/€/£100 p.d. max. $/€/£700 $/€/£100 p.d. max. $/€/£700 $/€/£100 p.d. max. $/€/£700
Baggage Loss or Theft $/€/£2,500 per Trip; $/€/£500 per item. $/€/£100 Deductible $/€/£2,500 per Trip; $/€/£500 per item. $/€/£100 Deductible $/€/£2,500 per Trip; $/€/£500 per item. $/€/£100 Deductible
Personal Liability $/€/£100,000 per Trip $/€/£100,000 per Trip $/€/£100,000 per Trip
Money and Documents $/€/£500 per Trip $/€/£500 per Trip $/€/£500 per Trip
Loss of Passport $/€/£250 per Trip $/€/£250 per Trip $/€/£250 per Trip
Travel Delay $/€/£100 per day. Max. $/€/£1,000 per Trip $/€/£100 per day. Max. $/€/£1,000 per Trip $/€/£100 per day. Max. $/€/£1,000 per Trip
Missed Departure $/€/£1,000 per Trip $/€/£1,000 per Trip $/€/£1,000 per Trip
Legal Expenses $/€/£10,000 per Trip $/€/£10,000 per Trip $/€/£10,000 per Trip
Hijacking $/€/£1,000 per Trip $/€/£1,000 per Trip $/€/£1,000 per Trip
Non-medical Emergency Evacuations $/€/£1,500 per Trip $/€/£1,500 per Trip $/€/£1,500 per Trip
† For Terms and Conditions see separate PAI Policy Wording
= 100% refund to policy annual maximum aggregate
* = Excludes costs incurred in first 12 months

Income Replacement

Expatriate Group policies provide your employees with Income Replacement as standard. This provides a supplementary policy to ensure that, if there’s no alterative policy in place, financial aid is available to assist with costs if you are no longer able to work.

What is International Income Protection Insurance?

Financial peace of mind if you’re unable to do your usual occupation.

Your medical situation capability to work could change drastically as a result of an accident or an illness. Depending on the severity of the accident you could end up permanently disabled and a long way from home. Protecting yourself and your family during times when a primary wage earner is unable to work can save a multitude of extra stress.

Expat income protection safeguards you and your family by providing you with a lump sum payment if you can no longer attend your normal occupation due to accident or illness. This can be used to cover household expenses while you transition to another occupation or to enable to you cover the high cost of moving overseas, giving you the option to return to your country of nationality and be closer to family.

Employee Assistance Programme

What is an Employee Assistance Programme?

Employee Assistance Programmes (EAPs) are employee benefit programmes intended to help employees deal with personal problems that might adversely impact their work performance, health and wellbeing. Our EAP includes assessment, short-term counselling and referral services for employees and their immediate family – wherever they are in the world.

Critical Incident Management

Our Critical Incident Management service provides a fully trained trauma counsellor or counselling team to be onsite, typically within 24 to 48 working hours to deliver a specialist group counselling debriefing. Our EAP clients will also have immediate access to 24 hour telephone support to assist with the management of the incident.

Counselling Service

We recognise there can be times when additional support is needed for employees and managers alike. Balancing the pressures of work with the needs of home and personal life can be at times, stressful. Our employee counselling service provides complete nationwide coverage and guarantees all of our counsellors meet stringent quality criteria.

Our counsellors can also deliver a range of trauma-specific interventions, including Cognitive Behavioural Therapy (CBT) and Eye Movement Desensitisation and Reprocessing (EMDR).

All counsellors hold as a minimum, a qualification in Counselling or Psychotherapy that is accredited by the British Association for Counselling and Psychotherapy (BACP), UK Council for Psychotherapy (UKCP), the British Association for Behavioural & Cognitive Psychotherapies (BABCP) or the Irish Association for Counselling and Psychotherapy

Expatriate Group’s EAP is provided in partnership with the critically acclaimed international EAP solutions provider, Health Assured.

Key Healthcare Insurance Features

coins24Medical Expenses

Corporate international healthcare insurance from Expatriate Group helps protect individuals from the often extortionate cost of medical care and treatment when living and working overseas. All three of our plans cover outpatient and GP services and any hospitilisation costs for expats. The full benefits of our different packages can be seen on this page. 

coins24Preventative Care

Prevention is the key for many illnesses in life which is why Expatriate Group are dedicated to keeping expats healthy with regular health checks and testing. From annual medical check-ups for peace of mind, to cervical smears, and prostate cancer screening and mammograms, individuals under corporate insurance will receive unparalleled preventative care. 

dental careDental Care

Dental care can be costly which is exactly why Expatriate Group include it within their corporate insurance policy. From routine check-ups to restorative treatment (and everything in between) individuals will receive dental care when living and working overseas. Good dental health is just as important as any of element of wellbeing and is covered for this reason.

optical careOptical Care

The optical health of your employees is critical and whilst changes to eyesight are part and parcel of life for many, Expatriate Group understand the importance of eye care. We provide a benefit covering the cost of an eye examination every year for each employee insured under the corporate policy. Where there is a change to an employee’s prescription we will also cover the cost of prescription lenses (including standard contact lenses).

coins24Maternity Care

Expecting a baby is an exciting time for many, but we understand that peace of mind regarding medical services is paramount. Those under Expatriate Group corporate healthcare insurance, who have been covered by the policy continuously for 12 months, will be able to receive antenatal care up to and including delivery. Individuals will also receive home nursing for 5 days after delivery to help them get back on their feet. 

coins24Complementary Medicine / Therapies

We know that sometimes an alternative approach to mainstream medicine or treatment is required. That is why Expatriate Group cover chiropractic help, osteopathy, homeopathy and acupuncture with our Corporate Health Insurance. 

coins2424hr Emergency Assistance

Included as standard with every corporate plan, 24 hour emergency medical assistance is supplied through Expatriate Group’s multilingual 24-hour support partner. Those covered by the corporate insurance will, in the even of an emergency, be able to call Expatriate Group and arrangements will be made for transport to the nearest appropriate location for treatment. Individuals, their families and local healthcare services will all be kept up to date by our partner. 

coins24AIDS/HIV and Chronic Conditions

Chronic conditions often require daily medication, regular nursing care, and regular medical check-ups. Employees living overseas will be able to receive the correct medical support for their chronic conditions via the benefits under our corporate insurance cover. 

Our Partners

Lloyds London Insurance Broker
guardrisk
gen-re
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Corporate Health Cover FAQs

Are we eligible for your Health and Life insurance cover?

What underwriting options to you offer for my employees?

Is maternity and dental cover included?

Is dental cover included?

Will my employee have to take a medical examination?

Which hospitals can we use?

What is an Excess?

Are you Regulated?

Can cover be purchased for less than 12 months?

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