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Moving away from home for work?

Expat Health Insurance for professionals

Make sure you're covered under one of our Care Plans.
Expatriate Health Insurance provides medical coverage for professionals called expats who reside in a foreign country for a prolonged periodusually for work-related reasons. If you're a professional living and working overseas, you can ensure your medical needs are met by choosing a suitable international health insurance plan.
Our Care International health 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 for all professionals relocated overseas.

Our plans also include treatment for 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.

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 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.


Doctor visits

Hospitalization

Vaccinations

Surgeries

Diagnostic tests

Prescription drugs

Cancer treatment

Option to add a repatriation plan


You can access your cover while you are on the go. Plus you have access to a range of health services to help protect you and your family.

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

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.

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.

Max. Plan Limit: £3,100,000/ €3,703,705 
US$5,000,000/CHF4,814,815

Private room

Diagnostic tests


Oncology

Rehabilitation treatment

£3,670/€4,420
US$5,970/CHF5,750


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

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

Maternity plan option available

In-patient, day-care and out-patient treatment

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

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Max. Plan Limit: £2,460,000/€2,963,000 /US$4,000,000/CHF3,852,000

Private room

Diagnostic tests


Oncology


Rehabilitation treatment

£2,075/€2,500/
US$3,375/CHF3,250


Emergency
out-patient treatment
 
£625/€750
S$1,015/CHF975

Emergency out-patient dental treatment
£246/€296/
US$400/CHF385

Maternity plan option available

In-patient, day-care and out-patient treatment

 

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

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Max. Plan Limit: £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400

Semi-private room

Diagnostic tests


Oncology


Rehabilitation treatment

£1,660/€2,000 /US$2,700/CHF2,600


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

Emergency out-patient dental treatment

Maternity plan option available

In-patient, day-care and out-patient treatment

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

Can also be reimbursed within the terms of any separate Dental Plan

In-patient and day-care treatment only

Choose from the following:
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
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.
Protect your oral health and your wallet  with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.

Our Care Pro Plan is exclusively focused on providing the highest level of cover worldwide


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.

REQUEST A CALLBACK

Call us on +353 1 514 8480 or email us.
(Choose a day and time that suits you)
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running
Growing  network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
Fully completed medical claims processed within 48 hours
Get answers to your questions quickly and easily with our handy FAQs. 
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.
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.
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 gynaecological exam 
  • 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”. To learn more about our comprehensive cancer coverage, view our brochure

If you are already a member, please see your Table of Benefits and Benefit Guide to confirm your coverage
Everything you need to know before you go and when you get there.

Here’s the story behind what we do and why we do it. Our mission is to help you be well.
          
          
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards 2022.
Best International Group Health Insurance Provider 2023.
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 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 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 app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The fitness 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.