International Income Protection Insurance | Expatriate Group
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Expat Income Protection

Protect yourself and your family against injury, illness, or death when living and working overseas. 

  • ‘Usual occupation’ cover
  • Lump Sum for Accidental Death
  • Lump Sum for Permanent Disability
  • Weekly benefit for Temporary Disability
  • Underwritten @ Lloyd’s of London

What is International Income Protection Insurance?

Financial peace of mind if you’re unable to work. 

Injuries and fatalities can occur whilst you are overseas. Depending on the severity of the accident you could end up permanently disabled, temporarily disabled, or losing your life. 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. The policy can be extended to provide you with a weekly benefit if your time away from work is likely to only be temporary.

Expat income protection insurance

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

Expatriate Group’s income protection cover provides you with worldwide security against accidental death, permanent disablement and temporary disablement.

Permanent Disability Insurance

What would you do if an accident or illness permanently stopped you from being able to attend your normal occupation? What alternative occupations are accessible? What would happen to your earning potential?

Expatriate Healthcare’s income replacement insurance pays you a lump sum in the event that you are unable to attend your normal occupation due to an accident or an illness – securing the financial future for you and your family and put your destiny back in your hands.

Permanent Total Disability benefits are available up to ten times your normal gross annual salary, for people aged between 18 to 65 years of age.

Accidental Death

Your death is likely to have an effect on your family beyond the physical loss that is endured; the financial loss of the death of a primary wage earner is difficult to appreciate.

A lump sum payment, decided by you at the outset of the policy, is paid to your designated grantee, affording your family with financial security in the event of your death.

Cover is available for 18 – 65 year olds, with an amount payable of up to 10 times for gross annual salary.

Temporary Total Insurance

You don’t have to be permanently disabled to suffer a financial loss. Long term disability through accident or illness is likely to affect your income and your ability to pay your bills.

Expatriate Healthcare Temporary Total Disability cover provides a number of choices to allow you to tailor cover to match your own personal circumstances. Benefits are payable
weekly and are calculated based on your net weekly salary when the cover is purchased. Benefit payments can start from as soon as your 14th day of disability; payable for up to 2 years.

The weekly benefit payments provide you with the peace of mind to know that, when you can’t work through accident or illness, you will still be able to continue to meet your financial commitments.

Click here to download an application form

Key Benefits
of our Expat Income Protection
  • ‘Usual occupation’ cover
  • Lump sum for Accidental Death
  • Lump sum for Permanent Disability
  • Weekly benefit for Temporary Disability
  • Underwritten @ Lloyd’s of London
  • Designed with Expats in mind

If you’re moving abroad one of your top priorities should be international healthcare, get your insurance quote today.

Expatriate Group offer worldwide travel insurance covering emergency medical treatment, cancellation and more.

A comprehensive life insurance policy will give you and your family peace of mind should there be a fatality. 

Income Replacement Insurance FAQ

Find out more about our expat income replacement insurance policies that can protect your income in a variety of scenarios, such as permanent and temporary disability.

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FAQs Income Protection Plans

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