Expatriate Group FAQ Hub

USA Residents: Whilst we don’t cover people permanently residing in the USA, we are able to cover short term (up to 1 year) policies for people looking to travel to the USA whilst they obtain their green card. Please select an Area 3 option when applying online and use your normal residence as the correspondence address.

Non-USA Residents requiring access to treatment in the USA: If you simply wish to be able to receive any treatment in the USA – but don’t actually reside in the USA – you can select an Area 3 option and you are able to obtain treatment anywhere in the world (including the USA).

International health insurance works by providing renewable, long-term medical cover for people living or working outside their home country. Policies cover private hospital treatment, specialist care and emergency medical assistance within your chosen area of cover. Treatment can be accessed at any hospital within that area, either through direct billing where the insurer pays the hospital directly, or through reimbursement where you pay upfront and claim the costs back. Policies renew annually and remain valid if you relocate to another country.

No, international health insurance and travel insurance are two different products that serve different purposes. International health insurance is a long-term, renewable policy designed for people living or working abroad, providing ongoing access to private medical care worldwide. Travel insurance is short-term, typically covering a single trip or up to a year, and focuses on emergencies, cancellations and trip disruption. If you are relocating abroad, you need international health insurance – travel insurance is not designed to replace it.

In health insurance, an excess (also called a deductible) is the amount you agree to pay towards any claim before your insurer covers the remaining costs. It applies per medical condition per policy period, meaning that if you claim for the same condition more than once in the same policy year, the excess is only applied once. Any costs beyond the excess are then paid up to the policy maximum. Choosing a higher excess typically reduces your annual premium, making it a useful way to manage the cost of your cover.

International health insurance typically covers inpatient hospital treatment, surgical procedures, specialist consultations and emergency medical care as standard. Outpatient care, dental treatment, maternity cover and mental health support are available depending on the plan tier. Expatriate Group offers four plan levels: Primary, Primary PLUS, Select and Premier, each providing a different level of protection to suit your healthcare needs and budget.

A two-year moratorium means that any medical condition you experienced in the two years before joining is temporarily excluded from cover. If you remain free from symptoms, treatment, medication and medical advice for that condition for two continuous years after your policy starts, it may then become eligible for cover. New medical conditions that arise after joining are not affected by the moratorium.

International Health Insurance from Expatriate Group provides worldwide medical coverage for people living or working abroad, offering flexible plans that cover everything from routine healthcare to major medical treatment, with 24/7 support and no required hospital network.

International health insurance starts from as little as €36.75 per month for an 18-year-old on a basic plan. For a typical expat aged 38 on a Primary+ plan in Area 1, the average monthly cost is around €146. Comprehensive Select cover for the same profile costs around €236 per month. All plans are available in euros, US dollars and British pounds, and policyholders who remain claim-free earn Premium Rewards discounts of up to 20% on renewal.

Expatriate Group does not cover pre-existing conditions under its international health insurance plans. A pre-existing condition is defined as any condition for which you received treatment, medication or medical advice in the two years before joining, including conditions that were symptomatic but not yet formally diagnosed. All new medical conditions arising after your policy start date are covered from day one.

Yes, Expatriate Group’s Primary PLUS and Select plans both include an annual medical check-up as standard. The Select plan goes further with additional preventive screenings including cervical smears, mammograms and prostate screenings. Basic and Primary plans do not include wellness benefits, so if preventive care is a priority, Primary PLUS or Select is the right choice.

For expats working abroad who need both hospital and outpatient cover, Expatriate Group’s Primary PLUS, Select and Premier plans are the strongest options. Primary PLUS includes inpatient and outpatient treatment, Select adds preventive care and higher benefit limits, and Premier provides the most comprehensive cover available. All three plans include access to any hospital worldwide, specialist consultations and 24/7 emergency assistance with no restricted network.

For long-term expats living abroad, the best international health insurance depends on your healthcare needs and budget. Expatriate Group’s Primary plan covers inpatient essentials, Primary PLUS adds outpatient care, Select includes preventive screenings and higher benefit limits, and Premier offers the most comprehensive protection available. All plans renew annually, cover you across borders, and give you access to any hospital within your area of cover with no restricted network.

If you are relocating overseas for work, choose an international health insurance plan that covers your destination region and your anticipated medical needs. Expatriate Group plans include inpatient hospital cover as standard, with outpatient care, dental and maternity available as upgrades depending on the plan tier. All plans include 24/7 emergency assistance and access to any hospital within your area of cover, no referrals or restricted networks required.

Yes, Expatriate Group provides 24/7 multilingual emergency assistance to all policyholders worldwide, available every day of the year. The assistance team can be reached at +44 (0)20 8181 3818 at any time and will coordinate immediate access to medical care or evacuation, liaise directly with doctors and hospitals on your behalf, and arrange transfer to the nearest appropriate facility if required.

Expatriate Group policyholders can use any doctor, clinic or hospital within their area of cover. There is no restricted network, meaning you are free to choose any private clinic, specialist or hospital that meets your needs. Direct billing is available at many facilities worldwide, so in many cases you will not need to pay upfront and claim back afterwards.

Yes, Expatriate Group provides international health insurance for expat families, covering adults and dependant children under a single policy. All plans include inpatient hospital treatment and emergency medical care. Higher-tier plans such as Select and Premier add outpatient cover, annual check-ups and optional maternity cover. Newborns can be added to an existing family policy from birth, ensuring continuous cover from day one.