International Health Insurance for Volunteers
Expatriate Group provides international health insurance for volunteers living and working overseas, often in challenging or remote environments. We understand the importance of having access to reliable medical care while you are supporting communities abroad, and our cover is designed to help protect you against unexpected illness, injury, and emergency situations wherever your volunteering takes you.
Health insurance for volunteers abroad
When you are volunteering overseas, having international health insurance in place provides essential peace of mind that your healthcare needs are covered, wherever your placement takes you.
Our international health insurance for volunteers is designed to support those working in a wide range of environments, including remote or resource-limited locations. Cover can be tailored to suit your circumstances, to ensure you can access medical treatment, emergency care, and support services when you need them. That way, you can continue your volunteering work with confidence while living abroad.
Health insurance for volunteers abroad
What is international health insurance for volunteers?
International health insurance for volunteers is designed to support your healthcare needs while you are based overseas on placement, particularly where local medical provision may be limited or difficult to access. With Expatriate Group, you can benefit from access to private healthcare for both planned treatment and unexpected medical issues, ensuring you’re supported throughout your time abroad.
Our international health insurance for volunteers offers flexible cover and round-the-clock assistance, helping you access the right medical care when you need it, so you can focus on your volunteering role with greater confidence and reassurance.
What is international health insurance for volunteers?
Do volunteers need health insurance when working abroad?
If you are living overseas as part of a volunteering placement, access to healthcare can vary significantly depending on your destination and the local infrastructure in place. In some areas, medical facilities can be limited, and in others, you may need to travel long distances to receive treatment. In certain situations, organisations or visa requirements may also require proof of suitable health insurance.
Even where healthcare is available, it may not always meet expected standards or offer timely access to treatment. Without appropriate cover, the cost of medical care, emergencies, or evacuation can quickly become substantial. International health insurance helps ensure you can access the care you need, when you need it, wherever your placement takes you.
Expatriate Group provides comprehensive international health insurance for volunteers working overseas, offering flexible cover and access to trusted healthcare services.
Do volunteers need health insurance when working abroad?
Why choose us
Why choose Expatriate Group for your international health insurance for volunteers?
Expatriate Group has extensive experience in providing international healthcare, supporting volunteers working across a wide range of global locations. We understand the realities of overseas volunteering and work with trusted medical providers worldwide to help ensure access to appropriate, high-quality care when it is needed most.
Our emergency helpline is available 24 hours a day, seven days a week, 365 days a year. Support is available by phone, email, or online chat, with multilingual assistance on hand to help in urgent or complex situations, wherever you are in the world.
Unlike some providers, Expatriate Group does not restrict you to a compulsory hospital network. This gives you the flexibility to choose healthcare providers that best suit your circumstances, whether that’s based on location, the type of treatment required, or the practical challenges of working in remote or underserved areas.
Why choose us
Why choose Expatriate Group for your international health insurance for volunteers?
Policy Benefits
Benefits of health insurance for volunteers abroad
Working overseas as a volunteer can place you in a variety of settings, from established towns and cities to more remote communities. Comprehensive international health insurance can help to ensure you can access dependable medical care for both everyday healthcare needs and unexpected emergencies, giving you reassurance while you focus on your placement and the work you’re there to do.
Below are some of the benefits of our international health insurance for volunteers:
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
Compassionate
travel
Contribution to travel costs so a family member can be with you if you have to stay in hospital
Insurance plans
What’s the best health insurance for volunteers abroad?
Every volunteer’s situation is different depending on destination, length of stay, and the nature of the work being carried out. At Expatriate Group, we offer a range of international health insurance plans to give you the flexibility to choose the right to best support your needs while you are living and volunteering overseas.
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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