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 expat 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:

medical transportation

Emergency transportation benefits can pay for you to be transported to the nearest appropriate facility.

Dental Treatment

Your general health and well-being also extends to your dental health. So, we cover accidental emergency dental treatment.


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.


This includes MRIs and CAT scans.


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.


  • Comprehensive plan
  • Maternity cover
  • Dental care
  • Optical care


  • Hospital care
  • Outpatient care
  • Emergency dental
  • Maternity complications

Primary+ Lite

Primary + Lite
  • Hospital care
  • Prescribed medicine
  • Emergency transportations
  • Emergency dental treatment


  • Hospital treatment
  • Doctor and specialist fees
  • Outpatient surgeries
  • Prescriptions and drugs
Quick Quote Key Benefits

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.

  Select Primary+ Primary+lite Primary
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 Yes Yes Yes Yes
Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. Yes Yes Yes Yes
Prescribed Medicine and Drugs Yes Yes Yes Yes
Diagnostic Tests and Procedures (including MRI, CAT, PET) Yes Yes Yes Yes
Oncology/Cancer Treatment Yes Yes Yes Yes
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 Yes Yes Yes Yes
Second Opinion for Surgery Yes Yes Yes Yes
Organ Transplant $/€/£300,000 $/€/£150,000 $/€/£150,000 $/€/£100,000
Outpatient & GP Benefits
Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries Yes Yes Yes Yes
Prescribed Medicine and Drugs Yes Yes 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) Yes Yes
Physiotherapy & Alternative Medicine 20 sessions 10 sessions 10 sessions
Management of Chronic Conditions $/€/£100,000 $/€/£20,000
Oncology/Cancer Treatment Yes Yes Yes Yes
Psychiatric 10 sessions/$/€/£3,000 10 sessions/$/€/£3,000
Assistance Services & Special Benefits
Emergency Medical Transportation Yes Yes Yes Yes
Local Ambulance Yes Yes Yes Yes
Expenses for accompanying Dependent        
    Travel Yes Yes Yes Yes
    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 Yes Yes Yes Yes
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 Yes Yes Yes Yes
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 Yes
Cervical Smears Yes
Mammograms Yes
Prostate Cancer Screening Yes
Yes = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months
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