Make sure you're covered under one of our Care Plans.
Moving away from home for work?
Expat Health Insurance
for professionals
Taking care of your health abroad as an expat
Expatriate Health Insurance provides medical coverage for professionals called expats who reside in a foreign country for a prolonged period usually 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.
The expatriate health insurance
cover includes
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescription drugs
Cancer treatment
Option to add a repatriation plan
Health Insurance Services
included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family from preventable health risks. Our services include Telehealth, Expat assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more
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Care International Health Insurance Plans at a Glance
Our international health insurance plans offer comprehensive 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.
Step 2:
Step 3:
Choose your area of cover: Worldwide, Worldwide excluding USA or Africa only.
Care Pro
Superior health insurance -
Our highest level of cover
Max. Plan Limit: £3,100,000/ €3,703,705 US$5,000,000/CHF4,814,815
Care Plus
Enhanced health insurance -Comprehensive health insurance with additional benefits
Max. Plan Limit: £2,460,000/€2,963,000 US$4,000,000/CHF3,852,000
Care
Comprehensive health insurance - Extensive cover with semi-private room access
Max. Plan Limit £1,575,000/€1,851,850/
US$2,500,000/CHF2,407,400
US$2,500,000/CHF2,407,400
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, regular 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.
Discover the benefits of
being a Care Pro customer
Our Care Pro Plan is exclusively focused on providing the highest level of cover worldwide
Get your expat 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.
Ready to get your cover?
Call us on +353 1 514 8480 or email us.
(Choose a day and time that suits you)
Why choose us as your trusted international 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.
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
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?
Frequently Asked Questions
Get answers to your questions quickly and easily with our handy FAQs.
Expatriate health insurance plans are 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.
This type of insurance ensures access to quality healthcare in all countries within the area of cover. For example, if the chosen area of cover is “Worldwide”, this means that cover will be valid everywhere in the world. If 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.
The cost of global health insurance varies based on factors such as number of members included in the policy, destination countries, coverage level, pre-existing conditions and medical history (for individual and small groups). Please get in touch with our sales team for a detailed quote.
Expats can access healthcare either through the public healthcare system (if eligible) or by purchasing private international health insurance. Many expats opt for private insurance to avoid long wait times and to ensure that they have access to healthcare in their host country but also in their home country.
The best health insurance for expats depends on individual needs such as budget, destination, and desired benefits. Please get in touch with our sales team for a detailed quote to suit your needs.
Expat medical 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.
This type of insurance ensures access to quality healthcare in all countries within the area of cover. For example, if the chosen area of cover is “Worldwide”, this means that cover will be valid everywhere in the world. If 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.
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 thePre-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.
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 thePre-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:
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
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
My Expat Life
Everything you need to know before you go and when you get there.
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.
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.
Already a member?
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 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.