International Optical Cover

Many people require optical cover as part of their international health insurance. At Expatriate Group, we offer the option of international optical cover for you and your family while you’re abroad.

What is International Optical Cover?

International optical cover means expats will be covered for their eye healthcare wherever they are in the world. Optical care includes treatment such as eye tests and prescription lenses, helping you to maintain good and healthy vision.

What is International Optical Cover?

Why is optical cover for expats important?

It’s vital that your vision is cared for alongside your other healthcare needs. International optical cover allows expats to keep on top of maintaining good vision while they’re abroad.

With optical cover, expats can access quality private opticians, so they can get the best treatment possible for their optical needs without having to pay out of pocket. Opting for private healthcare abroad also typically means you will be able to find healthcare professionals who speak your language, making the process of getting the right glasses and contact lenses much easier.

Why is optical cover for expats important?

What optical cover do I get?

Expatriate Group’s Select plan is our most comprehensive international health insurance offering. It includes up to £150 for examinations and lenses, including contact lenses, for people living and working abroad.

What optical cover do I get?

Insurance plans

What’s the best international health insurance for professionals?

You can find out more about each of our international health insurance plans and the benefits they provide below.


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


  • Hospital care
  • Outpatient care
  • Emergency dental
  • Diagnostic tests

Primary+ Lite

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


  • Hospital treatment
  • Doctor and specialist fees
  • Outpatient surgeries
  • Prescriptions and drugs

Not covered

Exclusions for expat optical treatment

Our optical care is limited to £150 for examinations and lenses. You can contact us to discuss your specific requirements and circumstances.

Make a claim

How to claim for expat optical treatment

To recover costs you have already paid for your optical care, you can visit

If you would like to obtain pre-approval for optical costs, you can call +44 20 8181 3818. You should obtain pre-approval as soon as reasonably possible, but at least seven days before your treatment. This means we will be able to guarantee costs are delivered directly to your facility, without you having to pay out-of-pocket.

To make a claim for your optical cover, you will need:

  • Proof of ID (passport).
  • Proof of your address (utility bill).
  • Any supporting medical reports or hospital discharge notices.
  • Invoices for any costs incurred.

If you require emergency assistance, you can call +44 (0)20 8181 3818. We can provide you with multilingual support 24 hours a day, 7 days a week, liaising with your doctors and hospitals to ensure you receive the best care.

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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