International Health Insurance
Access to private international healthcare is important for expat families and individuals. Whether you’re planning your future or you’re already overseas, investing in international health insurance with us is simple.
Plan Options
Our Insurance Plans
Since 1997 Expatriate Group have supported expats living and working across the world. Our dedication to the expat community has enabled us to create international healthcare plans to suit the different needs of those living overseas. Flexibility is key, which is why our international health insurance offers three different plans to cater to different expats.
Select
- Our most comprehensive international healthcare plan
- Cover extends to maternity care
- Dental care
- Optical care
- Preventative care
Primary Plus
- Hospital care
- Outpatient care
- Emergency dental
- Annual medical check-ups
- Maternity complications
Primary
- Hospital treatment
- Home nursing
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions & drugs
Policy Benefits
Key Benefits of our International Health Insurance Policies
Whatever plan you choose you can rest assured you are protected when abroad. Whilst our international health insurance plans cater to the diverse needs of expats, our benefits for all Expatriate Group customers are the same.
Instant
Healthcare Cover
You can purchase all Expatriate Group products online easily, simply get a quote today. When you buy online cover is immediate, leaving you to get on with life overseas knowing your healthcare insurance is in place.
24 Hour
Support
The Expatriate Group team are available via email, telephone, or our online chat function any time, 365 days a year. No query is too big or too small. We also provide multilingual support, even in emergency situations.
No Hospital
Restrictions
We do not operate a compulsory hospital network. You can choose any doctor, clinic, or medical facility you like to receive whatever treatment you need. This also means you can choose between public and private facilities.
Comprehensive
Protection
With three plans to choose from, you select the comprehensive cover you require based on your needs. Select might be ideal for one expat, whereas Primary may be perfect for another. Find out today.
Chronic &
Terminal Cover
We understand that not all medical conditions can be cured. Expatriate Group support expats with chronic and terminal conditions through our international healthcare insurance for ongoing care and treatment.
No Out-of-pocket
Hospital Expenses
Expatriate Group will never require you to pay any consultation, treatment, or hospital fees out of your own pocket. Our healthcare insurance means we have this covered for you, emergency or planned.
Medical Insurance
International Medical Insurance to Suit You
Worrying about your health or requiring treatment can be stressful in your home country – let alone when you’re overseas. Language barriers and unfamiliar facilities can seem daunting, which is why we have no restrictions on where you receive medical assistance. Covering the cost of treatment overseas should be the last thing on your mind and Expatriate Group make this a reality for expats. Whether you’re planning your future overseas, already travelling, or have settled in a new country, it only takes two minutes to get a quote online.
Expats Working Overseas
Working Abroad Insurance
Overseas medical care can be expensive. This is why we provide Working Abroad Health Insurance. If you’re an expat working overseas give yourself peace of mind that you’re fully covered. Get the same complete protection as our traditional iPMI, just with a focus on working expats.
Expats Working Overseas
Working Abroad Insurance
Expats on Shorter Trips
Short Term Healthcare
If you’re travelling abroad for a period of 2 to 11 months, then our Short Term International Health Insurance could be for you. It provides the same comprehensive cover as our International Health Insurance, just for a shorter amount of time to fit with your time overseas.
Expats on Shorter Trips
Short Term Healthcare
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the three international healthcare insurance plans. For more information get in touch with Expatriate Group today.
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| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
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| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
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| Prescribed Medicine and Drugs | |
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| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Oncology/Cancer Treatment | |
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| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£50 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
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| Second Opinion for Surgery | |
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| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
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| Prescribed Medicine and Drugs | |
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Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
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| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
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| Local Ambulance | |
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| Expenses for accompanying Dependent – Travel – Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£50 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
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| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| 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* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
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| 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 | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
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| Cervical Smears | |
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| Mammograms | |
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| Prostate Cancer Screening | |
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| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
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Insurance Features
Key Health Insurance Features
When you’re living or working overseas you need the best international health insurance, which is why our international healthcare is available to purchase easily online. Since 1997 we have been safeguarding expats, allowing us to offer the best policy features for you.
Medical Expenses
Medical expenses are the costs to treat or prevent an injury or disease. When not covered with international healthcare insurance these costs can be extortionate.
To prevent you from these excessive expenses, one of the main features of Expatriate Group insurance plans is medical expenses. All three of our plans cover outpatient and GP services and any hospitilisation costs.
Preventative Care
Your health and well-being, and that of those you love and value, is of paramount importance. Expatriate Group 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
Dental Care
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.
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.
Optical Care
Changes to your eyesight are inevitable. That’s why Expatriate Group 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).
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.
Complementary
Medicine / Therapies
Should you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homeopathy, and acupuncture.
We know how important complementary medicine and therapies can be, particularly when an illness or injury is ongoing, so we extend our cover to ensure expats are as comfortable as possible.
Complementary treatment or medicine must always be provided by a registered and qualified osteopath, chiropractor, homeopath or acupuncturist. Expats will require a written recommendation from a consultation with another medical professional.
Emergency Assistance
In the event of an emergency, one simple call to Expatriate Group’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.
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.
Policy Rewards
Premium Rewards
Premium Rewards are our way of rewarding customers who remain claim free by discounting future premiums by up to 20%. If you don’t make a claim during the policy year you can earn a discount of up to 10% on your subsequent annual premium. Two years without a claim could see a discount of up to 15% and up to 20% for 3 years without making a claim. The table below demonstrates our discount opportunities.
| Claim Free Period |  |
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|---|---|---|---|
| 1 Year | -5% | -10% | -10% |
| 2 Years | -7.5% | -15% | -15% |
| 3 Year + | -10% | -20% | -20% |
New customers claiming Premium Rewards must provide proof of the period they have been claim-free from their current insurer. The 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 won’t fully lose your entitlement.
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International Health Insurance FAQs
Why is it important to have International Health Insurance?
We believe expats worldwide deserve the best international medical insurance to ensure protection whilst living or working abroad. You can get a quote online with us in minutes, and don’t forget we offer Corporate Health Insurance too.
Is Expatriate Health Insurance the same as Travel Insurance?
Expat Insurance is not the same as International Travel Insurance (but we offer that too). International health insurance plans can be purchased for long periods of time whereas travel insurance policies tend to have a time scale involved unless you opt for an annual policy. There is also a difference in what is covered, and you can find out more through our website.
What does International Health Insurance cover?
Expatriate Group offer instant comprehensive protection with 24-hour support. We offer three key insurance plans which offer varied levels of coverage to suit your needs. Check out our benefit schedule to see what is covered with our different policy options.
Don’t forget, we also offer Income Replacement Insurance and Term Life Insurance too.
Do policies cover treatment for Covid-19?
Both the Expatriate Group International Healthcare Insurance and International Travel Insurance products cover Covid treatment. This applies to policies purchased after 20th September 2021.
Can I purchase Expat Healthcare Insurance for under 12 months?
Individuals and families abroad for periods of 2 to 11 months can buy our Short Term International Health Insurance. It provides the comprehensive protection our customers are used to, just for a shorter amount of time to better suit your needs.
What happens if I wish to cancel my International Healthcare policy?
International healthcare policies can be cancelled any time during your 14-day cooling-off period, so long as you haven’t made a claim, we will refund your premium in full. Cancelling your policy mid-term for a valid reason, provided you haven’t claimed, we will refund your premium based on a scale.
What does excess mean?
The term ‘excess’ (sometimes known as a ‘deductible’) is the amount of any claim that you will be liable to pay the healthcare facility before the insurance policy takes over, per policy period.
What hospitals can I use?
You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorised beforehand. See here for a directory of hospitals. Please note the directory of hospitals is for information only and is not a ‘network’.
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