International Health Insurance for Families
With years of experience providing healthcare for our customers abroad, you can be confident that we have the knowledge and expertise to provide the right level of healthcare for you and your family, wherever you are in the world.
Moving Abroad
Family Health Insurance
Moving abroad with your family is an exciting time. Submersing yourself in a new culture, learning a new language, and making new friends can all make for a great adventure. But one thing that can be a cause for concern when you move abroad is accessing healthcare.
At Expatriate Group, we can help to ease these worries by providing comprehensive and flexible international family health insurance. We’ll ensure you and your loved ones can always instantly access the healthcare you need, helping you to settle into your new lives abroad.
Moving Abroad
Family Health Insurance
Family first
What is international family health insurance?
Our international family health insurance gives you and your family access to private healthcare when you’re living, working, and studying abroad.
We provide comprehensive cover for your family that includes emergency care and day-to-day health services.
Family first
What is international family health insurance?
Do I need international health insurance for my family?
Every country has a different healthcare system. Some countries require expats to have private health insurance. Others might charge high fees to access healthcare. Some countries might offer free access to public healthcare, but this can come with long wait times and sub-standard care.
When you choose international health insurance for your family, you don’t need to worry about expensive costs or waiting ages to access vital healthcare. Expatriate Group will ensure you have the healthcare you need when you need it. With private healthcare, you’ll have the confidence that you’re getting quality treatment, with minimal wait times and comfortable hospital stays.
Another advantage of international family health insurance is that you’re more likely to be able to find healthcare professionals that speak your language. This can ease stress when you need to discuss symptoms, treatment, and aftercare.
Do I need international health insurance for my family?
Why choose us
Why choose Expatriate Group?
We work with leading international underwriters to find trusted healthcare partners overseas, so we can always provide excellent protection for you and your family.
Our emergency helpline is available 24 hours a day, 7 days a week, 365 days a year, and we can be contacted by phone, email, or our online chat service. We also offer multilingual support, including in emergency situations. With Expatriate Group, you’ll know that you’ll always be able to access assistance whenever you need it.
Unlike some other international health insurance providers, we do not operate a compulsory hospital network. You have the freedom to choose any doctor, clinic, or hospital that you like to get whatever treatment you require.
Why choose us
Why choose Expatriate Group?
Policy Benefits
Benefits of health insurance for families
There’s nothing more important than the health and wellbeing of your family. Whether it’s treatment for a broken bone, getting the right medication for an illness, or maternity care when you want to grow your family, you’ll want to ensure everyone gets the right healthcare, whenever they need it.
At Expatriate Group, our priority is supporting you and your family while you live abroad, with comprehensive international health insurance. The benefits of our family expat insurance plans include:
Emergency
medical transportation
Emergency transportation benefits can pay for you to be transported to the nearest appropriate facility.
Emergency
Dental Treatment
Your general health and well-being also extends to your dental health. So, we cover accidental emergency dental treatment.
Compassionate
travel
Compassionate visit expense is an important feature that we offer.
Family doctor
As part of our outpatient and GP Benefits we cover Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries.
Diagnostic
tests
This includes MRIs and CAT scans.
Maternity
care
This includes home delivery and caesarean (on our Select plan, after you have been covered for 12 months).
Insurance plans
Family expat insurance plans
We understand that every family will have different health requirements. This is why we offer four different family expat insurance plans, giving you and your family flexibility and comprehensive care.
Select
- Comprehensive plan
- Maternity cover
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Maternity complications
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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