Full cover for inpatient treatments
Emergency medical transportation
Hospital choice at your discretion
No out-of-pocket inpatient hospital expense
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.
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.
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.
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.
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.
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.
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.
No. And nor will you have to complete a medical questionnaire.
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.
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.
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.
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%.
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.
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.
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.
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.
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