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.

Plan Options

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.


  • Comprehensive plan
  • Annual medical check-ups
  • Dental care
  • Optical care
  • Preventative care

Primary +

  • Hospital care
  • Outpatient care
  • Emergency dental
  • Annual medical check-ups
  • Emergency transportation

Primary + Lite

Primary + Lite
  • Hospital care
  • Prescribed Medicine
  • Capped outpatient benefits
  • Emergency transportation
  • Emergency Dental Treatment


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

Policy Benefits

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.

Medical Expenses

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.

Preventative Care

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 Care

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.

Optical Care

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,

Maternity Care

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.

Emergency Assistance

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.

Chronic Conditions

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.

Policy Benefits

The Benefit Schedule

For a full breakdown of Short Term Health Insurance benefits see below.

  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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Short Term International Health Insurance FAQs

Want to know more about Short Term Health Insurance? Below, we have put together some of our frequently asked questions. However, you can always get in contact with us if you have any further queries.

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
  • Worldwide

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.

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.

Our Short Term Healthcare plan is only available as a one-off premium payment.

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.

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.

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

Whether you’re overseas temporarily or have moved abroad for the foreseeable, don’t miss our expat guides and articles. From travel inspiration to expat tips, we have everything covered.

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