International Health Insurance for Retirees
Expatriate Group has extensive experience providing international health insurance for retirees living abroad. We understand the unique healthcare needs that come with later life, and will ensure you can access reliable, comprehensive cover wherever you choose to settle, so you can enjoy your retirement.
Retire Abroad
Health insurance for retirees living abroad
When you retire overseas, having international health insurance in place provides reassurance that your healthcare needs are covered, so you can focus on enjoying your new lifestyle.
Our international health insurance for retirees includes a range of benefits and flexible options, helping you find the right level of cover for your medical needs as you settle into life abroad.
Retire Abroad
Health insurance for retirees living abroad
What is international health insurance for retirees?
International health insurance for retirees is designed to cover your medical and healthcare needs while living abroad. With Expatriate Group, you can access private healthcare for both routine treatment and unexpected medical issues, wherever your retirement takes you.
Our international health insurance for retirees offers prompt cover and 24/7 support, giving you convenient access to healthcare services that suit your lifestyle and ongoing needs overseas.
What is international health insurance for retirees?
Do I need health insurance as a retiree living abroad?
If you’re retiring overseas, access to public healthcare can vary significantly depending on your destination and residency status. In many cases, retirees might not be eligible for state healthcare straight away, or at all, which can make private health insurance an important consideration. Some countries will also require proof of health insurance as part of visa or residency applications.
Even where public healthcare is available, it might not offer the level of access, speed, or facilities you’re used to. Without cover, medical costs for routine care or unexpected treatment can quickly become expensive. International health insurance helps you avoid these risks, so you can access to quality care when you need it.
Expatriate Group offers comprehensive international health insurance for retirees, providing flexibility, reassurance, and access to trusted healthcare services.
Do I need health insurance as a retiree living abroad?
Why choose us
Why choose Expatriate Group for your international health insurance for retirees?
Expatriate Group has extensive experience in international healthcare, supporting retirees as they settle into life abroad. We work with trusted providers worldwide to ensure you have access to high-quality medical care, with the expertise to help you get the treatment you need, when you need it.
Our emergency helpline is available 24 hours a day, seven days a week, 365 days a year. You can get in touch by phone, email, or online chat, with multilingual support available to assist you, even in urgent situations.
Unlike some providers, Expatriate Group does not restrict you to a compulsory hospital network. This gives you the flexibility to choose hospitals and clinics that suit your needs, whether that’s proximity to your home, specialist care, or facilities that match your preferences in retirement.
Why choose us
Why choose Expatriate Group for your international health insurance for retirees?
Policy Benefits
Benefits of health insurance for retirees living abroad
Living abroad in retirement brings new opportunities, but it’s essential you maintain access to reliable healthcare. Our comprehensive cover is designed to cover both routine and unexpected medical needs, to give you peace of mind whilst you’re overseas.
Below are just some of the benefits of our international health insurance for retirees:
Private
hospital care
Including surgeries, specialist fees, anaesthetists, and intensive care
Prescribed medicines
and diagnostic tests
Covering MRIs, CAT, and PET scans
Home nursing and
rehabilitation
Support following hospitalisation
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 retirees abroad?
Every retiree has different healthcare needs depending on age, location, and medical history. At Expatriate Group, we offer a range of tailored international health insurance plans to give you the flexibility to choose the cover that best protects your health and suits your retirement lifestyle.
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.
|
|
|
|
|
|---|---|---|---|---|
| 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 |  |
 |
 |
 |
| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
|
|
|
| Prescribed Medicine and Drugs | |
|
|
|
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
|
|
|
| Oncology/Cancer Treatment | |
|
|
|
| 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 | |
|
|
|
| Second Opinion for Surgery | |
|
|
|
| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
|
|
|
| Prescribed Medicine and Drugs | |
|
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) | |
|
||
| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
|
|
|
| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
|
|
|
| Local Ambulance | |
|
|
|
| Expenses for accompanying Dependent | ||||
| Travel | |
|
|
|
| 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 | |
|
|
|
| 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 | |
|
|
|
| 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 | |
|||
| Cervical Smears | |
|||
| Mammograms | |
|||
| Prostate Cancer Screening | |
|||
| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
||||
Our Partners
Get more info
Expat Insights
Featured In
