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International Health Insurance

Working, studying or living abroad? We have a range of international health insurance solutions with differing levels of cover to suit your needs and help to keep you safe.
Our medical insurance plans include cover for a wide range of in-patient and day-care treatments as well as an optional level of cover such as out-patient,  dental, maternity and repatriation benefits. Our plans also include treatment for covid-19, subject to terms and conditions 

Your cover is also subject to: 

• Policy definitions and exclusions 

• Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant). 

• Any policy endorsements, policy terms and conditions and any other legal requirements. 

• Costs being reasonable and customary in  accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.

Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. 

Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.



With our international healthcare plans,  you have the choice between plans to suit your needs and budget
Step 1:
Choose your Core plan and pick a deductible

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more. 

All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

Step 2:
Add any of the optional plans

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Africa only   

Global access to treatment so you can use your medical cover in any country included within the area of cover. It is a good idea to select an area where you normally travel to or live for more than 6 months of the year.

Terms and conditions and regulatory restrictions apply.

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Maximum Plan Benefit
€3,703,705
Maximum Plan Benefit
€2,963,000
Maximum Plan Benefit
€1,851,850
Type of room
Private room
Private room
Semi-private room
In-patient / Day-care
Oncology
Medical Evacuation
Nursing at home
€4,250
€2,500
€1,500
Rehabilitation treatment
€4,420
€2,500
€2,000
Preventative Surgery
€30,000
Laser eye treatment
€1,000
Emergency out-patient treatment
€750
€750
Emergency out-patient dental treatment
€750
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness support program
Digital Health App
Up to €50
Up to €50
Up to €50
MyHealth Digital Services
Second Medical Opinion Service
Plan Deductibles

Deductible amount



No deductible


€450

€750

€1,500

€3,000

€6,000

€10,000

Discount on your annual premium when you don’t add a maternity plan

0% premium discount

 

5% premium discount

10% premium discount

20% premium discount

35% premium discount

50% premium discount

60% premium discount

Discount on your annual premium when you add a maternity plan


0% premium discount

 

2.5% premium discount

5% premium discount

10% premium discount

17.5% premium discount

25% premium discount

30% premium discount

Out-patient plan
Dental plan
Repatriation plan
Maternity plan
telehealth hub

Getting your policy is much easier and faster when you choose our dummy Moratorium underwriting option
There are no medical questionnaires to complete. It’s hassle free.
 

GET A QUOTE      

Everything you need to know before you go and when you get there.
This table is designed for illustrative purposes to provide a typical comparison between International Health Insurance and Travel Insurance. We recommend refer your policy documents for full details of your cover.

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For living abroad for 1 year or more
For single trip holidays
Global geographic cover
Destination country
Emergency medical cover
Comprehensive healthcare
Private specialist treatment
Regular medical check-ups
Dental and Optical
Maternity
Rehabilitation
Congenital conditions
Chronic conditions
Pre-existing conditions
Cancer treatment
Choose treatment country
Choose preferred practitioner
Choose preferred facility
Cover duration
1 Year
Duration of trip only
Non-medical travel benefits
* This table is designed for illustrative purposes to provide a typical comparison between International Health Insurance and Travel Insurance.
We recommend refer your policy documents for full details of your cover.
Contact our sales team
Click here to request a call back or  email us. 
 
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally

Choose a health insurance payment plan that works for you. Pay premiums annually, half-yearly, quarterly or monthly by direct debit or credit card. You can also pay by cheque or bank transfer, but monthly payments won’t be available if you choose one these payment methods.

Payments are subject to the following administration surcharges: 0% for annual payment, 3% for half-yearly payments, 4% for quarterly payments and 5% for monthly payments.

Most of our health insurance contracts are for one year – but we have a short-term plan to suit members who need international health insurance for less than a year.

For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480.

Your dependents can be added to your international health insurance policy subject to medical underwriting or Moratorium. They would be subject to their own premium which would be derived from their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.

For further information, please contact our Sales team.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.
     

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

Find out more

International health insurance covers is designed to give piece of mind for people who spend long periods overseas and need access to quality healthcare globally. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care.

Our international health specialists would be happy to discuss further plans and options with you. Call us on +353 1 514 8480.

We do not provide travel or holiday insurance, but we have a short-term plan to suit members who need international health insurance for less than a year.

If you would like a quote for travel insurance – please contact our colleagues at Allianz Global Assistance.

International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
Did you know that we have a support page for members with all you need to know to make the most of your cover.
 Certain services which may be included in your plan are provided by third party providers outside the Allianz group, such as the Employee Assistance Programme, Travel Security services, HealthSteps App, Second Medical Opinion and tele-medicine services. If included in your plan,  these services will  show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These Services may be subject to geographical restrictions.  The HealthSteps App does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps App and the wellness resources contained within Olive shouldn’t  be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life SA (Irish Branch) and AWP Health & Life Services Limited are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.