International Health Insurance

Expatriate Group’s international health insurance is available to individuals, families, professionals, digital nomads, students, retirees, volunteers, and missionaries living or working outside their home country. Cover is available across three geographical areas and can be arranged regardless of your nationality. Some restrictions may apply based on age or pre-existing conditions, our team can advise on the most suitable plan for your circumstances.

You can get an international health insurance quote directly online. Select your destination, area of cover, date of birth, and preferred plan to receive an instant quote. Cover can start immediately upon completion of your application. If you would prefer to speak to someone before applying, our team is available by phone or email to guide you through the options.

Yes. Expatriate Group offers short term international health insurance for periods of less than 12 months, suitable for expats on fixed-term assignments, gap years, or extended stays abroad. Short term cover provides the same level of protection as an annual policy and can be arranged online with an immediate start date.

Routine medical check-ups and preventative care are included on Expatriate Group’s Select and Primary+ plans. This includes annual health screenings, cervical smears, mammograms, and prostate screenings. Basic and Primary plans focus on treatment rather than prevention, so if preventative care is a priority the Select or Primary+ plan is the right choice.

You can cancel your Expatriate Group international health insurance policy at any time by contacting our team. If you cancel within the first 14 days and have not made a claim, you will receive a full refund of your premium. Cancellations after 14 days are subject to a pro-rata refund of the unused portion of your premium, less any claims paid. Our team can advise on the process and any applicable terms at the time of cancellation.

Making a claim will not directly result in your policy being cancelled or refused at renewal. However, claims history is taken into account when calculating your renewal premium. Policyholders who remain claim-free during their policy year are eligible for Premium Rewards discounts of up to 20% on renewal, which increase incrementally the longer you remain claim-free.

Expatriate Group provides international health insurance across three geographical areas of cover – worldwide including the USA, worldwide excluding the USA, and Europe/Middle East/Africa/Asia/Oceania excluding China, Hong Kong and Singapore. Within your chosen area of cover you have access to any hospital or clinic of your choice with no network restrictions. If you fall ill outside your area of cover while travelling temporarily, emergency treatment is included.

If you require emergency medical treatment outside your area of cover while travelling temporarily, Expatriate Group’s international health insurance includes emergency assistance to ensure you receive immediate care. This covers emergency hospitalisation, evacuation if necessary, and repatriation to your area of cover once you are stable. Routine and non-emergency treatment outside your area of cover is not included.

Yes. Expatriate Group conducts policy reviews for existing customers to ensure your cover remains appropriate as your circumstances change. If you relocate to a new country, add family members, or want to adjust your plan level or excess, our team can review your policy and recommend any changes ahead of your renewal.

Yes. Expatriate Group is a trading name of Strategic Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Our FCA registration number is 307133. You can verify our registration at register.fca.org.uk. We are also authorised to carry on regulated activities in accordance with the provisions granted by the FCA under Part XX of the Financial Services and Markets Act 2000.

Expatriate Group offers four international health insurance plans – Select, Primary+, Primary+ Lite, and Primary. All plans include inpatient hospital treatment and emergency medical care. Higher tier plans add outpatient cover, dental and optical care, maternity benefits, mental health support, and preventative care including annual check-ups and screenings. Every plan includes 24/7 multilingual emergency assistance, direct billing at hospitals within your area of cover, and access to any hospital of your choice with no network restrictions.

Yes. Expatriate Group’s international health insurance plans cover families, including a partner and dependent children under a single policy. Family international health insurance cover is available across all four plan tiers. Children are covered from birth, and maternity benefits are available on higher tier plans to cover the cost of delivery and postnatal care.

Cover can start immediately upon completion of your online application. There is no waiting period for new conditions arising after your policy start date. A standard two-year moratorium applies to pre-existing conditions, meaning any condition you experienced in the two years prior to joining is temporarily excluded but may become eligible for cover after two continuous claim-free years.

Yes. Expatriate Group’s international health insurance is designed to move with you. If you relocate to a different country within your area of cover, your policy remains in force. If you are moving to a country outside your current area of cover, you can request a change of area at your next renewal. Our team can advise on the most appropriate area of cover for your circumstances.

Direct billing means Expatriate Group settles your medical bills directly with the hospital or clinic on your behalf, so you never have to pay out of pocket at the point of treatment. When you are admitted to a hospital or clinic within your area of cover, you present your membership details and the provider bills us directly. You do not need to fund the treatment upfront and claim it back afterwards. Direct billing is available at hospitals and clinics across your area of cover.

Mental health cover is available on Expatriate Group’s higher tier plans. This includes treatment for conditions such as anxiety, depression, and stress-related illness, covering inpatient and day-patient psychiatric treatment and, depending on your plan, outpatient consultations with a psychiatrist or psychologist. If mental health cover is a priority, we recommend discussing your requirements with our team when selecting a plan to ensure the right level of protection is in place.

Yes. You do not need to be in your home country to take out an Expatriate Group international health insurance policy. Cover can be arranged online regardless of where you are currently located, and your policy can start immediately upon application. The standard two-year moratorium applies to any pre-existing conditions, but all new conditions arising after your policy start date are covered from day one.

Expatriate Group’s international health insurance premiums can be paid in pounds sterling, US dollars, and euros. You can select your preferred currency when applying for cover online. Benefit limits under your policy are also expressed in your chosen currency, as shown in the benefit schedule for your plan.

Yes. Expatriate Group’s Premium Rewards programme offers policyholders a discount of up to 20% on their renewal premium if they remain claim-free during their policy year. The discount is applied automatically at renewal and increases incrementally the longer you remain claim-free. Premium Rewards is available across all four international health insurance plans and requires no separate application.