International health insurance is designed for those living or working overseas for a prolonged period of time. It covers treatment for both emergency and routine healthcare, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover.
If you are relocating or if you have a home abroad where you spend a significant amount of time, international health insurance may be required.
When experiencing a medical emergency, or even routine medical care, in a country where you are not familiar with the health system, and where you do not speak the language, international health insurance cover will ensure you get the medical attention you need.
International health insurance benefits vary by plan, but often include:
- Hospital stay
- Routine check-ups
- Cover for pre-existing conditions
- Cover for chronic conditions
- Choice of medical providers
Our standard plans are modular so you can choose the combination of cover that best suits you and your families needs. In addition to the Core plan, options include:
The flexible nature of these plans allow you tailor them to your specific needs, making the right combination of cover for you and your family more financially accessible. Core plan and out-patient plan deductibles offer an opportunity to reduce premiums, as can careful consideration of the region of cover. For example, taking ‘Worldwide excluding USA’ instead of ‘Worldwide’ will alter premium significantly.
As an expat, it can be tempting to try to keep costs down by opting to rely on local healthcare when you are abroad. However, should you fall ill, you may find that the local healthcare options do not meet your needs.
Depending on where you are moving and your individual circumstances, you may not be entitled to free or subsidised healthcare. Without an expatriate health plan, you may incur expensive medical costs.
Before venturing to another country on expat assignment, it is important to weigh your options and ensure that you have a health insurance plan you can rely on. Having the correct cover in place, will provide peace of mind as you settle into your new home.
Take a look at our 'differences between international health insurance and travel insurance' plain talking guide.