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15% off your international
health insurance    

Promocode: HERE2HELP

Promotion valid until 15/10/24. Selected plans only.   T&Cs Apply.

Care international health insurance plans


Our Care International health insurance is designed for people who spend long periods overseas. 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 plans also include treatment for covid-19, subject to terms & conditions.

If you are working, travelling or living abroad for less than a year, we also have a short-term cover option for you.

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.

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The expatriate health insurance
cover includes

Doctor visits.
Doctor visits
Hospitalization.
Hospitalization
Wellness services.
Wellness services
Prescription drugs.
Prescription drugs
Emergency medical care.
Emergency medical care
Preventive care.
Preventive care


Health Services included with your cover

You have access to range of services gathered in one convenient hub to help protect you and your family from preventable health risks.

International Health Insurance Plans at a Glance

Our expat health insurance plans offer excellent benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.
 

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.

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

Terms and conditions and regulatory restrictions apply.

Care

Pro Plan

Max. Plan Limit: £3,100,000/ €3,703,705 
US$5,000,000/CHF4,814,815
GET A QUOTE
Private room ✓

Diagnostic tests
✓

Oncology 
✓

Rehabilitation treatment
£3,670/€4,420
US$5,970/CHF5,7500

Emergency out-patient Care
 		 £625/€750
S$1,015/CHF975
Preventive
surgery		 £24,900/€30,000
US$40,500
CHF39,000

Maternity plan option available		 ✓

In-patient, day-care and out-patient treatment and personal oncology case manager services

(in-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases)

where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

In-patient and out-patient treatment

16 month waiting period applies

In-patient and day-care treatment only

Care

Plus Plan

Max. Plan Limit: £2,460,000/€2,963,000 /US$4,000,000/CHF3,852,000
GET A QUOTE
Private room ✓

Diagnostic tests
✓

Oncology
✓

Rehabilitation treatment
£2,075/€2,500
US$3,375/CHF3,250

Emergency out-patient Care
£625/€750
US$1,015/CHF975

Preventive
surgery
 		 X

Maternity plan option available
 		 ✓

In-patient, day-care and out-patient treatment and personal oncology case manager services

(in-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases)

where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

In-patient and out-patient treatment

 16 month waiting period applies

In-patient and day-care treatment only

Care

Plan

Max. Plan Limit: £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400
GET A QUOTE
Semi private room ✓

Diagnostic tests
✓

Oncology
✓

Rehabilitation treatment
£1,660/€2,000
US$2,700/CHF2,600

Emergency out-patient Care
£208/€250
US$338/CHF325

Preventive
surgery
 		 X

Maternity plan option available
 		 X

In-patient, day-care and out-patient treatment and personal oncology case manager services

(in-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases)

where these benefit amounts are reached, any additional costs may be reimbursed within the terms of any separate Out-patient Plan

In-patient and out-patient treatment

16 month waiting period applies

In-patient and day-care treatment only

Enhance Your Cover with Optional Plans

Choose from the following:

Out-patient plan

Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, annual health checks and more.

Repatriation plan

If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.

Dental plan

Protect your oral health and your wallet  with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.

Maternity plan

Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.

Get 15% off International Health Insurance


Moving abroad or need more than local cover? We’re here to help! Get 15% off global cover with promo code: HERE2HELP.

Offer valid from 15th September to 15th October 2024.
Care plans and annual payments only. T&Cs Apply.


MyHealth digital services


MyHealth app and portal is your go-to resource for submitting and checking claims, exploring your cover, viewing policy information and digital membership card, and accessing digital tools and services to help you manage your health and wellness.
VISIT MY HEALTH ONLINE


Get your health cover in a few simple steps


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

Why choose us as your trusted health insurer?

#1

Best in class experiences

Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running

1.9M

Worldwide expertise

Growing  network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.

24/7

Support

Always on: 24/7 multilingual Helpline and Emergency Assistance Services.

48hrs

Quick and efficient

Fully completed medical claims processed within 48 hours

Not sure if international
health insurance is the
right choice for you?

Watch the video and discover the difference between International
Health Insurance, Short-term and travel insurance.
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How is international health insurance different to travel insurance?

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.

International health insurance

For living abroad for 1 year or more
Global geographic cover ✓

Emergency medical cover
✓

Regular medical check-ups
✓

Private specialist treatment
✓

Comprehensive healthcare
✓

Maternity
✓

Pre-existing conditions
✓

Travel
Insurance 

For single trip holidays
 Destination country ✓

Emergency medical cover
✓

Regular medical check-ups
X

Private specialist treatment
X

Comprehensive healthcare
X

Maternity
X

Pre-exisitng conditions
X

Frequently Asked Questions

Get answers to your questions quickly and easily with our handy FAQs. 

What are the payment options for International health insurance plans?

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.

Does Internatinal Health Insurance cover pre-existing conditions?

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

  • For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
  • For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time.
For further information, please contact our Sales Team.

What is the contract length for International health insurance plans? What is the cancellation policy?

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

Awards and Recognition


ITIJ Award Winner

International Travel and Health Insurer of the Year.


EFMA & Accenture Innovation in Insurance Awards Winner

EFMA & Accenture Innovation in Insurance Awards 2022.


UK Health & Protection Award Win

Best International Group Health Insurance Provider 2023.

Already a member?

Talk to our sales team and find an international healthcare solution to suit your needs.
Find out more
 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.

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