Health Insurance

This health cover has been designed to give you an access to the worldwide comprehensive healthcare cover you may need.

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Full cover for inpatient treatments

Emergency medical transportation

Hospital choice at your discretion

No out-of-pocket inpatient hospital expense

What is International Health Cover

The most essential difference in International Health Care is that it covers you for treatments, medical emergencies and illness anytime & anywhere in the world. You can contact the hospital in the country you are in and can expect that the highest level of medical care to be provided to you with no expensive medical costs involved.
This Health Cover has been designed to give you access to the worldwide comprehensive healthcare cover you may need.


Key benefits

  • Instant cover
  • 24-hour support
  • Chronic & terminal cover
  • Three levels of cover are available
  • Full cover for cancer treatments
  • Premium rewards – no claims discount up to 20%

Exeptional medical options


The “Select” plan is one of the most comprehensive worldwide healthcare insurance programs for individuals and families.

The annual cover of €5,000,000 per person includes chronic, dental and maternity care. Providing exceptional service in case of any illness, the plan also includes preventive care, such as travel vaccinations, different types of medical screenings and checkups.

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The “Primary Plus” plan is the balance between price and quality cover.

Whilst dental, maternity and preventative care treatments are limited, nevertheless, the «Primary Plus» plan provides for most of the medical needs.
This includes oncology treatments, diagnostic tests, family doctor, parent accommodation, alternative medicine and others.

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The “Primary” plan is based on covering the most common medical issues.

It gives access to inpatient and day-patient treatments, along with emergency, ambulance, palliative and home nursing care. With an annual cover of €1,000,000, it protects the client’s health whilst being mindful of the client’s budget.

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Frequently Asked Questions

What does International Healthcare Insurance cover?

International Healthcare Cover offers instant total protection with 24-hour support, wherever you are in the world.

You can choose from one of the three exceptional levels of coverage to suit your needs.
You will find the choices here: Schedule benefits.

What does excess mean?

The term “Excess” (sometimes known as a ‘Deductible’) is the amount of any claim that you will be liable to pay the healthcare facility before any benefits become payable under the policy.

The excess applies per new medical condition, per policy period.

How is the excess applied?

If you choose to carry an excess, this is applied per medical condition per policy period. This means that should you claim for the same condition several in the same policy year, we will only apply the excess once; and costs incurred after that will be paid to the policy maximum.

What does "pre-existing medical condition" mean?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication, whether diagnosed or undiagnosed, or have experienced symptoms of, in the 2 year period prior to purchasing this policy.

Do I need to declare pre-existing conditions such as diabetes, high blood pressure, or hypothyroidism?

No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.

What is a two-year moratorium?

As we do not medically underwrite, we simply exclude medical problems suffered in the two years before joining us; until you have been medication, treatment, and advice free for that condition for two years after joining us. This would NOT affect claims for new conditions.

Will I need to take a medical examination?

No. And nor will you have to complete a medical questionnaire.

Is pregnancy and maternity cover included?

Pregnancy and Maternity coverage is included in Select level of cover, subject to a one year waiting period. The Primary and Primary+ policies provide cover for complications of pregnancy.

Do you cover outpatient treatment or visits to a doctor?

Yes, on Primary+ and Select plans the coverage provided for outpatient treatment and GP care (visits to your General Practitioner). On the Primary plan outpatient coverage is only included where it is related to a valid pre-hospitalisation and then for 60 days following a valid hospitalisation.

Do you cover routine medical check-ups?

Yes, under Select plan the coverage includes an annual routine medical check-up. The Primary+ plan also provides annual medical check-up coverage after you have been insured with us for a period of 12 months.

Will a claim affect my renewal?

Once you are accepted for cover, you will be able to renew at the prevailing rates, regardless of your claiming history. Where no claims are made under your policy in a particular contract year, you will be entitled to a no claims discount (Premium Reward), which can reduce your premium by as much as 20%.

What happens if I fall ill outside my Area of Cover?

You are covered for up to €50,000 of treatment on each trip outside your Area of Cover, for conditions from which you have not previously suffered before travelling, provided that your trip is not longer than 30 days in duration. Accordingly, if you travel regularly to another Area we would ask you to consider increasing your Area of Cover.

Which hospitals can I use?

You are entitled to be treated in any hospital of your choice, though, please ensure that you have your treatment pre-authorised beforehand.
You will find a hospital directory here: Hospitals list.

Please note the directory of hospitals is for information only.

How do I claim?

Expatriate Group always endeavours to settle claims within 5 working days of their substantiation.
To make the process of claiming as simple and painless as possible for you, you will find a claims page on the Expatriate Group’s website here: Make a claim.

What happens if I wish to cancel my policy?

International Healthcare policies can be cancelled any time during your 14-day cooling-off period, so long as you haven’t made a claim, Expatriate Group will refund your premium in full. Cancelling your policy mid-term for a valid reason, provided you haven’t claimed, Expatriate Group will refund your premium based on a scale.
For further information, please see General Conditions, Policy wording, page 9.

Thank you!

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