Make sure you're covered.
Flexicare Short-term International
Medical Insurance
Medical Insurance
Moving abroad for a few months?
Why should I get an International Short-term Insurance?
Short-term insurance covers most of your healthcare needs – from day to day medical attention to emergencies, while you are abroad - in case you need medical attention when you are abroad.
This short-term international medical insurance is ideal for individuals and families who are temporarily working or living abroad for less than a year.
You can choose between a 3, 6, or 9 month policies, and we will cover your medical costs such as hospital visits, surgeries, prescription drugs, cancer treatment, diagnostic tests, and GP visits. With Flexicare our short-term health insurance international plans will also cover medical evacuations, just in case the treatment you need is not available in your new country. Our plans also include treatment for covid-19 giving you peace of mind during your time abroad.
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.
Sanctions suspension clause:
Any benefits, cover, and claims payments are suspended if any element of the cover, benefit, activity, business, or underlying business exposes us to:
- any applicable sanction, prohibition or restriction under the United Nations’ resolutions, or
- the trade or economic sanctions, laws or regulations of Canada, the European Union, United Kingdom, or United States of America.
The above suspension will continue until such time as we are no longer exposed to any such sanction, prohibition, or restriction.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Doctor and specialist visits
Hospitalization
Oncology
Diagnostic tests and vaccinations
Emergency dental treatment
Medical evacuation
Health Services included with your cover
You have access to range of travel and medical services to help protect you and your family from preventable health risks.
Ready to get your cover?
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Choosing Between Travel Insurance and Short-Term Health Insurance: What You Need to Know
Short-term insurance covers most of your healthcare needs – day to day and emergencies - in case you need medical attention when you are abroad. Travel insurance is the best suited for holidaymakers or occasional business travelers and would only cover medical emergencies.
Watch the video to find out more.
Why choose us as your trusted health insurer?
#1
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Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running
2M+
Worldwide expertise
Growing network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Always on support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
48hrs
Quick and efficient
Fully completed medical claims processed within 48 hours
Looking for a different solution?
12 months cover
compliant with local regulations
Frequently Asked Questions about our Short-term International Health Insurance
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally.
In which countries can I receive treatment with the Flexicare Short-term International Health Insurance?
You can receive treatment in any country within your area of cover, as shown in your Insurance Certificate. If the treatment you need is available locally but you choose to travel to another country in your area of cover, we will reimburse all eligible medical costs incurred within the terms of your policy; except for your travel expenses. If the eligible treatment is not available locally, and your cover includes “Medical evacuation”, we will also cover travel costs to the nearest suitable medical facility. To claim for medical and travel expenses incurred in these circumstances, you will need to complete and submit the Pre-authorisation Form before travelling.You are covered for eligible costs incurred in your home country, provided that your home country is in your area of cover.
How do I file a claim for medical expenses under my Short-term Health Insurance?
First, check that your plan covers the treatment you are seeking. Your Table of Benefits will confirm what is covered. Some treatments require our pre-authorisation - These are mostly in-patient and high cost treatments. If the treatment you need requires our pre-approval, we’ll organize payment of your treatment directly with the hospital, where possible. If your treatment does not require our pre-authorisation, you can simply pay the bill andclaim the expenses from us.
Are all medical conditions covered?
Pre-existing conditions are not covered under this policy. These are medical conditions for which one or more symptoms have appeared at some point during your or your dependants' lifetime (some examples are hypertension, diabetes and musculoskeletal dirsoders). We also do not cover any dental, optical or maternity benefits.
What is the difference between Travel and international Short-term Health Insurance?
Short-term Insurance covers most of your healthcare needs – day to day and emergencies - in case you need medical attention when you are abroad. This is the best option for individuals and families who are temporarily working or living abroad for less than a year. Travel insurance is the best suited for holidaymakers or occasional business travelers and would only cover medical emergencies. Watch this video and discover the difference between International Health Insurance, Short-term and travel insurance.
Awards and Recognition
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Real stories, real people
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, Fitness Coaching 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 Fitness Coaching App does not provide medical or health advice and the wellness resources contained within our Health Services are for informational purposes only. The Fitness Coaching App and the wellness resources contained within our Health Services 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 acting through its Irish Branch and AWP Health & Life Services Limited and their affiliates, 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.