International Health Insurance for Europe
Expatriate Group offers tailored international health insurance for individuals and families living across Europe. We provide access to comprehensive medical cover, ensuring you can receive treatment at top facilities in your chosen country. Our plans are designed to give peace of mind, whether you need routine care, emergency treatment, or specialist services, keeping your healthcare fully covered while you live and work in Europe.
Move to Europe
Health insurance for expats in Europe
Having international health insurance whilst you live in Europe ensures your healthcare needs are fully covered, so you can focus on enjoying life abroad.
Expatriate Group’s plans offer a range of benefits and flexible options, allowing you to choose the right level of cover for routine care, specialist treatment, or emergencies across European countries.
Move to Europe
Health insurance for expats in Europe
What is international health insurance for Europe?
International health insurance for expats in Europe provides comprehensive medical coverage for those who are living abroad on the continent. With Expatriate Group, you can access private healthcare for routine treatments and unexpected medical needs across European countries. Our plans include prompt cover and 24/7 support, to ensure you maintain convenient access to healthcare services that fit your lifestyle and ongoing requirements whilst you’re living in Europe.
What is international health insurance for Europe?
Do I need health insurance as an expat in Europe?
Healthcare access across European countries can differ depending on your residency status and local regulations. In some nations, public healthcare might not be immediately available to new expats, or eligibility could be restricted, which means private health insurance is an essential consideration for expats. Certain countries also require proof of medical cover as part of visa or residency applications.
Even where public healthcare is accessible, it might not provide the speed, choice, or facilities you expect. Routine treatments, specialist care, or emergency services could involve long waiting times or limited options. Without insurance, these costs can quickly add up, which could leave you exposed to significant medical expenses.
International health insurance for Europe ensures you can access high-quality medical care whenever you need it. Expatriate Group offers flexible plans tailored for expats, giving reassurance, comprehensive cover, and access to trusted healthcare providers throughout the continent.
Do I need health insurance as an expat in Europe?
Why choose us
Why choose Expatriate Group for your international health insurance for Europe
Expatriate Group has extensive experience providing international health insurance across Europe, helping expats access reliable medical care wherever they live. We work with trusted healthcare providers throughout the continent to ensure you can receive the treatment you need, when you need it.
Our emergency helpline is available 24/7, 365 days a year, with support by phone, email, or online chat. We can also provide multilingual assistance to help you navigate urgent situations quickly and efficiently.
Unlike some providers, Expatriate Group does not restrict you to a fixed hospital network. This allows you the freedom to choose clinics and hospitals that suit your needs, whether that’s proximity to your home, access to specialist care, or facilities that meet your personal preferences while living in Europe.
Why choose us
Why choose Expatriate Group for your international health insurance for Europe
Policy Benefits
Benefits of health insurance for expats living in Europe
Living in Europe can bring exciting new experiences, but it’s vital you have reliable healthcare in place. Expatriate Group’s international health insurance provides comprehensive cover for both routine care and unexpected medical needs, helping you feel secure while abroad.
Below are just some of the benefits of our international health insurance for Europe:
Private
hospital care
Including surgeries, specialist fees, anaesthetists, and intensive care
Prescribed medicines
and diagnostic tests
Covering MRIs, CAT, and PET scans
Accidental emergency
dental care
Covering treatment for unexpected dental injuries
GP and specialist
consultations
Including outpatient surgeries and chronic condition management
Emergency
medical transportation
Ensuring you reach the nearest appropriate medical facility when needed
Oncology and
cancer treatment
Comprehensive coverage for serious conditions
Insurance plans
What’s the best health insurance for expats in Europe?
We understand that your healthcare needs will be specific to you and vary depending on your age, location, and personal medical requirements. That’s why we offer a range of international health insurance plans designed for expats, to give you the flexibility to choose cover that suits your lifestyle and ensure you have reliable protection while living in Europe.
Select
- Comprehensive plan
- Maternity care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four 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 | $/€/£75 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 | |
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| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 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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