International health insurance for expat professionals

Make sure you're covered

If you're a professional living and working overseas, you can ensure your medical needs are met by choosing an international health insurance plan that is designed for people just like you.

We’re committed to offering flexibility on our plans, helping you to find the right international health cover at the right price. Insured members are covered for treatment of COVID-19.

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.

Everything you need to know before you go and when you get there
Our expat health insurance plans offer excellent benefits for expat professionals, and optional extras to help you tailor your cover according to your needs.

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Maximum Plan Benefit
€2,250,000
Maximum Plan Benefit
€1,125,000
Hospital accommodation
Private room
Private room
In-patient / Day-care
Medical evacuation
Oncology
Expat Assistance Programme (EAP)
Travel Security Services
Emergency out-patient treatment
up to € 750
up to € 750
Emergency dental treatment
up to € 750
Olive
Digital Health App
Up to € 50
Up to € 50
MyHealth Digital Services
Second Medical Opinion Service
Out-patient plan
Dental plan
Repatriation plan
Maternity plan
covid mask

We cover treatment for COVID-19. Vaccination costs are also covered if you have this benefit within your policy. Please note, cover is subject to terms and conditions, benefit limits and area of cover of the policy and costs must be reasonable and customary.

Please visit our FAQ to see our terms and conditions and to find out more. 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.

Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 
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 Treatment Guarantee 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.

This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. 

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere* in the world. If your area of cover is “Africa”, then your cover will be valid everywhere* in Africa.


*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.

Below you will find the definition related to “Cancer screening” that apply to our standard international healthcare plans – these may vary slightly depending on the plans you have, so please consult your Benefit Guide and Table of Benefits to confirm what you are covered for.

 Cancer screening for the early detection of illness or disease are: health checks, tests and examinations, performed at an appropriate age interval, that are undertaken without any clinical symptoms being present.

Checks are limited to:

  • Annual pap smear
  • Mammogram (every two years for women aged 45+, or younger where a family history exists)
  • Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
  • Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
  • Annual faecal occult blood test
  • BRCA1 and BRCA2 genetic test (where a direct family history exists and where included in your Table of Benefit)


Separate to the Cancer screening benefit, some out-patient plans also include additional preventative screening cover under “Health and wellbeing checks”. Please see your Table of Benefits and Benefit Guide to confirm your coverage.

Any dental benefits available to you are shown on your Table of Benefits along with any deductibles, co-payments, benefit limits, waiting periods or age restrictions which apply. Your Table of Benefits should be read in conjunction with your Benefit Guide for full details of your dental benefits, including definitions and/or exclusions. 

For your convenience, below we list the definitions related to dental benefits that apply to our standard international healthcare plans – these may vary slightly depending on the plans you have, so please consult your Benefit Guide and Table of Benefits to confirm the definitions available to you:

Dental-related definitions:

  1. Dental treatment includes an annual check up, simple fillings related to cavities or decay, root canal treatment and dental prescription drugs.
  2. Dental prescription drugs are those prescribed by a dentist for the treatment of a dental inflammation or infection. The prescription drugs must be proven to be effective for the condition and recognised by the pharmaceutical regulator in a given country. This does not include mouthwashes, fluoride products, antiseptic gels and toothpastes.
  3. Dental surgery includes the surgical extraction of teeth, as well as other tooth related surgical procedures such as apicoectomy and dental prescription drugs. All investigative procedures necessary to establish the need for dental surgery such as laboratory tests, X-rays, CT scans and MRI(s) are included under this benefit. Dental surgery does not cover any surgical treatment that is related to dental implants.
  4. Dental prostheses includes crowns, inlays, onlays, adhesive reconstructions/restorations, bridges, dentures and implants as well as all necessary and ancillary treatment required.
  5. Periodontics refers to dental treatment related to gum disease.
  6. Orthodontics is the use of devices to correct malocclusion (misalignment of your teeth and bite). We only cover orthodontic treatment that meets the medical necessity criteria described below. As the criteria is very technical, please contact us before starting  treatment so we can verify if your treatment meets the criteria.

Medical Necessity Criteria:

a) Increased overjet > 6mm but <= 9 mm

b) Reverse overjet > 3.5 mm with no masticatory or speech difficulties

c) Anterior or posterior crossbites with > 2 mm discrepancy between the retruded contact position and intercuspal position

d) Severe displacements of teeth > 4

e) Extreme lateral or anterior open bites > 4 mm

f) Increased and complete overbite with gingival or palatal trauma

g) Less extensive hypodontia requiring pre-restorative orthodontics or orthodontic space closure to obviate the need for a prosthesis

h) Posterior lingual crossbite with no functional occlusal contact in one or more buccal segments

i) Reverse overjet > 1 mm but < 3.5 mm with recorded masticatory and speech difficulties

j) Partially erupted teeth, tipped and impacted against adjacent teeth

k) Existing supernumerary teeth

 

You will need to send us some supporting information to show that your treatment is medically necessary and therefore covered by your plan. The information we ask for may include, but is not limited to: 

  • A medical report issued by the specialist, stating the diagnosis (type of malocclusion) and a description of your symptoms caused by the orthodontic problem.
  • A treatment plan showing the estimated duration and cost of the treatment and the type/material of the appliance used.
  • The payment arrangement agreed with the medical provider.
  • Proof of payment for orthodontic treatment.
  • Photographs of both jaws clearly showing dentition before the treatment.
  • Clinical photographs of the jaws in central occlusion from frontal and lateral views.
  • Orthopantomogram (panoramic x-ray).
  • Profile x-ray (cephalometric x-ray).
  • Any other document we may need to assess the claim.

 We will only cover the cost of standard metallic braces and/or standard removable appliances. However, we’ll cover cosmetic appliances such as lingual braces and invisible aligners up to the cost of metallic braces, subject to the “Orthodontic treatment” benefit limit.

Certain services which 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, 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.