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International health insurance


Working, studying or living abroad? We have a range of  solutions with differing levels of cover to suit your needs and help to keep you safe.
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. But if you are working, travelling or living abroad for less than a year our short-term cover is the best fit for you
Support for mental and emotional wellbeing with apps and services such as  fitness coaching, Expat Assistance Programme, Digital check-up  and Wysa mind coaching app
Digital access to care with global telehealth hub, fitness coaching app and health and wellness hub
Talk to an experienced medical team 24/7 via phone, tablet or computer 
Health & wellbeing updates by international health experts
in 6 languages available to support you
Expert medical support if you are unsure about a diagnosis or a surgery
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.
Watch the video and discover the difference between International
Health Insurance, Short-term and travel insurance.
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 dummy 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 dummy +353 1 514 8480.

Your dependents can be added to your international health insurance policy subject to medical underwriting. 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 you for emergency treatment, but also for your diagnosis and post-treatment care. We offer tailored health insurance for: students studying abroad, expat professionals working abroad, expat couples and established expat families.

Our international health specialists would be happy to discuss further plans and options with you. Call us on dummy +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. Click here  to find out more about our short-term cover.

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.