Long Term International Health Insurance Long Term International Health Insurance

Table of contents

1.Introduction

Since 1997 the Expatriate Group have supported expats living and working across the world. Their dedication to the expat community has enabled them to create international healthcare plans to suit the different needs of those living overseas. Flexibility is key, which is why the international health insurance offers three different plans to cater to different expats.

2.Covers & Areas

Primary

  • Inpatient
  • Evacuation & Assistance

Primary+ Light

  • Inpatient
  • Outpatient
  • Evacuation & Assistance

Primary +

  • Inpatient
  • Outpatient
  • Evacuation & Assistance
  • Annual medical check-ups
  • Maternity complications

Select

  • The most comprehensive international healthcare plan
  • Inpatient
  • Outpatient
  • Evacuation & Assistance
  • Maternity care
  • Dental care
  • Optical care
  • Preventative care

Where am I covered?

You are covered in your requested Area. The options available to you are:

  • Area 1 - Europe, Middle East, Africa, Asia and Oceania; excluding China, Hong Kong and Singapore.
  • Area 2 - Worldwide; excluding North America.
  • Area 3 - Worldwide.

You are covered outside of your Area for any trip up to 30 days in duration, up to $/£/€50,000 per event.

3.Important remarks

  1. Maximum age at entry is 65.
  2. Insured persons must be resident outside their country of nationality for more than 6 months in any 12
  3. Cover outside your requested Area is limited to 30 days per trip and $/£/€50,000 per event.
  4. The term of the contract is 12 calendar months (unless we agree otherwise in writing, at the outset). Your policy will be renewed automatically and payment taken, unless you choose not to continue.
  5. You can pay for your insurance in full using a debit or credit card at the start of your policy or by monthly instalment. You will be required to pay a deposit using a debit or credit card at the start of your policy. The remaining 11 payments will be collected from the same card in monthly instalments.
  6. You must obtain pre-authorisation for treatment exceeding $/£/€1,000
  7. We strongly urge you to read and make sure you understand the policy conditions (see important documents below) before issuing the policy. 
  8. Moratorium cover: no cover for pre-existing conditions. Pre-existing conditions = any condition, disease, Illness or injury, secondary or associated complaint where You have sought or received advice, Treatment, therapy, been submitted to a special diet or shown symptoms in the two years prior to Your Effective Date (whether or not the condition has been diagnosed).
  9. Excess The excess (or: deductible) is applicable per condition, per person, per insurance year.

4.How to quote and apply

All info + application online

5.Important documents

6.Do you have a question about Expatriate Group Long Term International Health Insurance?

We are happy to answer your questions. Fill out the contact form here.