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Protect your income against an accident or an illness that prevents you from attending your usual occupation.
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With 100,000 unique customers in 182 different countries, we are the experts in delivering international medical insurance to expats.
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Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.
Level Term Life Insurance providing protection to your family in the event of your death during the term of the cover.
Expatriate Healthcare’s accident and illness insurance, provides you with worldwide protection against accidental death, permanent disablement and temporary disablement.
The income protection policy pays you a weekly sum in the event of temporary disablement or a lump sum in the event of permanent disability or accidental death.
‘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
Please read below for more details or get a free no obligation quote by clicking here.
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.
INCOME REPLACEMENT INSURANCE FAQS
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Income Replacement Insurance protects you and your family by providing you with a lump sum payment if you can no long 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.
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 you 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.
Your death is likely to have an affect 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.
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.
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In the event of your accidental death or if you become permanently disabled a lump sum of up to 10 times your gross annual salary will be paid (up to a maximum of £1 million).
If you are temporarily disabled benefits can start from as soon as your 30th day of disability. The amount will be calculated based on your net weekly salary at the time your cover is purchased (up to a maximum of 75% of your gross salary). Benefits can be received for up to 2 years.
Both the accidental death and permanent total disability benefit are payable as a lump sum.
You can choose a maximum benefit period of either 52 or 104 weeks for the total temporary disability benefit.
If you are working and aged between 18 and 65 years old you can purchase our Income Protection. Restrictions may apply to some countries, which will be noted to you as part of the application process.
As you would expect, Accident Only coverage won’t cover any illnesses. Therefore, if you are seeking a policy that will provide you with a more comprehensive level of cover, then the Accident & Illness policy may be a better solution for you.
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
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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.