Short Term International Health Insurance
Individuals travelling abroad for periods of 2 to 11 months can opt for our Short Term Expat Insurance. It provides the comprehensive protection our customers are used to, just for a shorter amount of time to better suit your needs.
Our Short Term Medical Insurance Plans
Whilst Expatriate Group will always remain dedicated to providing long term health insurance, we understand that temporary medical insurance would suit many expats, travellers, and volunteers. Those on overseas secondments, students studying abroad, and travellers who do not want to return home for treatment can all benefit from purchasing their overseas iPMI in smaller periods.
Therefore, short term medical insurance could be the best health insurance option for individuals overseas for periods of 2 to 11 months. Opting for our short term health insurance provides the comprehensive protection our customers are used to, just for a shorter amount of time.
The Expatriate Group Select Plan is one of the most comprehensive private medical insurance plans on the market today. A total solution to your healthcare, chronic and dental needs, the plan not only provides you with excellent cover in an event of an illness, but you also benefit for a healthier outlook.
The Primary Plan is aimed at covering you when you need it most. It includes inpatient and day-patient medical costs plus follow-up outpatient treatment and the Emergency Assistance and Repatriation benefits. The Primary Plan also provides you with cover to protect you against larger financial commitments.
Our Primary+ Plan is based on our Select Plan without the elective services. It is an intelligent medical cover package, which competes favourably with most other providers’ flagship products. Primary+ gives you access to your family doctor; inpatient, day patient and outpatient cover with reimbursement for specialists, physicians, chronic cover and alternative treatment (such as osteopathy, homeopathy and acupuncture).
Key Benefits of our Short Term Health Insurance
We know that not every trip abroad is the same, so our Short Term Healthcare policy can provide comprehensive cover from a minimum of 2 to 11 months. Instant healthcare cover, 24-hour support, and unrestricted access to hospitals will give you peace of mind for however long you are overseas.
The primary feature of our global health insurance plans is medical expenses. We will provide you with comprehensive medical cover while you’re overseas.
If for any reason you are hospitalised or require urgent GP treatment while abroad, you can rest assured that you will be protected from medical costs according to our benefit schedule.
The health and wellbeing of you and your family is vital. Not only does Expatriate Group cover you against emergency medical treatment but it’s also committed to keeping you healthy by covering preventative care cover, including vaccinations, annual medical check-ups, cervical smears and cancer screening for the over 45’s.
Dental health shouldn’t be neglected, and this is why our Short Term Healthcare Insurance plans feature dental care. This covers emergency dental treatment, routine check-ups, and any basic or major restorative dental treatment. Ensure that your oral health is looked after even when you move abroad.
We prioritise optical care and this is why our Select plan covers any eye examinations and lenses so that you can act on any changes to your eyesight without worrying about the expense. If there is a change to your prescription, we will cover you for the cost of treatment and any lenses,
Our Short Term Health Insurance provides cover if you start a family overseas. Delivery (home or hospital), elective or non-elective caesarean operations, and any complications that may occur during pregnancy are included. Furthermore, all new born care is included in the policy too.
Complementary Medicine / Therapies
Should you require any complementary and alternative medicines that fall outside of mainstream healthcare your Expatriate Group policy will provide cover for treatments such as acupuncture and homeopathy, aromatherapy, chiropractic help and osteopathy.
With Expatriate Group you can guarantee 24/7 emergency multilingual support. If you find yourself requiring emergency medical treatment, you will have immediate access to professional medical and evacuation assistance. The emergency support team will take care of everything ensuring that you receive the care that you need.
There are some conditions that will require unique assistance and special benefits and this is something we factor into our short term insurance plans. Therefore, our benefits schedule includes compassionate travel, terminal and palliative care and support for HIV, AIDS & ARCS.
The Benefit Schedule
For a full breakdown of Short Term Health Insurance benefits see below.
|Accidental Death and Permanent Total Disability†||$/€/£100,000|
|† For Terms and Conditions see separate PAI Policy Wording|
|Annual Aggregate Maximum||$/€/£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)|
|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||$/€/£100 per night||$/€/£50 per night|
|Rehabilitation (following hospitalisation)||$/€/£2,000||$/€/£2,000||$/€/£2,000||$/€/£2,000|
|Second Opinion for Surgery|
|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||$/€/£20,000|
|Psychiatric||10 sessions/$/€/£3,000||10 sessions/$/€/£3,000|
|Assistance Services & Special Benefits|
|Emergency Medical Transportation|
|Expenses for accompanying Dependent – Travel – Accommodation & Subsistence||$/€/£150 per day||$/€/£100 per day||$/€/£100 per day||$/€/£50 per day|
|Repatriation of Mortal Remains||$/€/£10,000||$/€/£5,000||$/€/£5,000||$/€/£5,000|
|Family Compassionate Travel||$/€/£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)|
|Complications of Pregnancy||100%||$/€/£5,000||$/€/£5,000|
|Elective Caesarean Operation||$/€/£7,500*|
|Non-elective Caesarean Operation||$/€/£7,500*|
|Home Nursing following Home Delivery||5 days*|
|New Born Care||$/€/£25,000*|
|* = Excludes costs incurred in first 12 months|
|Accidental Emergency Dental Treatment|
|Routine Dental Treatment||$/€/£750|
|Basic Restorative Dental Treatment||$/€/£750|
|Major Restorative Dental Treatment||$/€/£1,000|
|Dental benefits (except Accidental) are subject to a 20% co-pay|
|Examinations & Lenses (inc. contact lenses)||$/€/£150|
|Annual Medical Check-up||$/€/£ 300||$/€/£ 250|
|Prostate Cancer Screening|
|= 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months|
Short Term International Health Insurance FAQs
Is Expatriate Group short term health insurance available worldwide?
Yes, our Short Term Healthcare Insurance can cover you worldwide. However, there are also the following options:
- Europe, Middle East, Africa, Asia, Oceania; excluding China, Hong Kong, and Singapore
- Worldwide; excluding North America
When does cover start and expire?
Cover is effective from the moment of purchasing your Short Term Healthcare Insurance policy (or you can choose a date up to 90 days in advance). The expiry date of your Short Term Healthcare Insurance cover will be the date that you select; as long as it its greater than 2 months and within 11 months of your chosen start date. The start date and expiry date of your cover will be available in your documentation.
Is a short term healthcare policy renewable?
No. Short Term Healthcare policies cover a specific time frame and are not renewable. However, you can purchase a new Short Term policy or standard health insurance policy to cover another period, depending upon your requirements. Either action would produce a separate and distinct policy. Don’t forget, we also have other expat insurance products that may suit your needs better, including cashless health insurance.
Can I pay monthly or do I pay upfront for short term healthcare?
Our Short Term Healthcare plan is only available as a one-off premium payment.
How will I receive short term healthcare insurance paperwork?
Once you have purchased a Short Term Healthcare Insurance policy you will receive confirmation and policy documents by email. You will also receive a hard copy of this document in the post along with your membership card.
Can I cancel my short term healthcare cover?
New policy holders can cancel the insurance within 14 days for whatever reason, so long as you have not made a claim against your policy, and you will be entitled to a full premium refund.
How many countries can I visit with a short term healthcare policy?
This is completely up to you. Your cover will protect you whether you spend all your time in one country or hop between destinations. Just make sure you select right area category when applying online.
Expat Guides and Advice
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