Our Customers in Numbers
Over
Expats Covered
Over
Active Policies
In Over
Different Countries
Our focus is to deliver peace of mind and this is reflected in our 3 key insurance plans, which offer varied levels of international medical coverage to suit your personal circumstances and budget.
Find out more about our Select Plan
Find out more about our Primary Plus Plan
Find out more about our Primary Plan
Key Benefits
of our International Healthcare Policies
- Instant Healthcare Cover
- 24 Hour Support
- No Hospital Restrictions
- Comprehensive Protection
- Chronic & Terminal Cover
- No Out-of-pocket Hospital Expenses
International Health Insurance FAQ
Find out more about our international healthcare policies that offer comprehensive and instant cover, with 24-hour support and no hospital restrictions.
Short Term Healthcare Insurance
Find out more about tailored insurance for the EXPAT / STUDENT / TRAVELLER / WORKER / VOLUNTEER
 Hospital Benefits | Select | Primary+ | Primary |
|---|---|---|---|
| Annual Aggregate Maximum | $/€5,000,000 | $/€1,500,000 | $/€1,000,000 |
| Private Hospital Bed |  |  |  |
| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | | | |
| Prescribed Medicine and Drugs | | | |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | | | |
| Oncology/Cancer Treatment | | | |
| Psychiatric | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€150 per night | $/€100 per night | $/€75 per night |
| Rehabilitation (following hospitalisation) | $/€2,000 | $/€2,000 | $/€2,000 |
| Parent Accommodation | | | |
| Second Opinion for Surgery | | | |
| Organ Transplant | $/€300,000 | $/€150,000 | $/€100,000 |
| Outpatient & GP Benefits | Select | Primary+ | Primary |
|---|---|---|---|
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | | | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Prescribed Medicine and Drugs | | | |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | | | |
| Physiotherapy & Alternative Medicine | 10 sessions | | |
| Oncology/Cancer Treatment | | | |
| Management of Chronic Conditions | $/€2,000 | $/€2,000 | |
| Psychiatric | 10 sessions or $/€3,000 | 10 sessions or $/€3,000 |
| Assistance Services & Special Benefits | Select | Primary+ | Primary |
|---|---|---|---|
| Emergency Medical Transportation | | | |
| Local Ambulance | | | |
| Expenses for accompanying Dependent – Travel – Accommodation & Subsistence | $/€150 per day | $/€100 per day | $/€75 per day |
| Repatriation of Mortal Remains | $/€10,000 | $/€5,000 | $/€5,000 |
| Compassionate Travel | | | |
| Family Compassionate Travel | $/€250 | $/€250 | $/€250 |
| Terminal & Palliative Care | $/€30,000 | $/€20,000 | $/€15,000 |
| HIV, AIDS & ARCS | $/€50,000 (lifetime) | $/€50,000 (lifetime) |
| Maternity Care | Select | Primary+ | Primary |
|---|---|---|---|
| Complications of Pregnancy | 100% | $/€5,000 | $/€5,000 |
| Normal Delivery | $/€7,500* | ||
| Elective Caesarean Operation | $/€7,500* | ||
| Non-elective Caesarean Operation | $/€7,500* | ||
| Home Delivery | $/€7,500* | ||
| Home Nursing following Home Delivery | 5 days* | ||
| New Born Care | $/€25,000* |
| Dental Care | Select | Primary+ | Primary |
|---|---|---|---|
| Accidental Emergency Dental Treatment | | | |
| Routine Dental Treatment | $/€750 | ||
| Basic Restorative Dental Treatment | $/€750 | ||
| Major Restorative Dental Treatment | $/€1,000 | ||
| Dental benefits (except Accidental) are subject to a 20% co-pay | |||
| Optical Care | Select | Primary+ | Primary |
|---|---|---|---|
| Examinations & Lenses (inc. contact lenses) | $/€150 |
| Preventative Care | Select | Primary+ | Primary |
|---|---|---|---|
| Medical Check-up | | | |
| Travel Vaccinations | | ||
| Cervical Smears | | ||
| Mammograms | | ||
| Prostate Cancer Screening | |
Key Healthcare Insurance Features
Medical Expenses
Your general health and well-being also extends to your dental health. Good dental health requires regular and routine check-ups and resulting restorative treatment can be costly.
Expatriate Healthcare understand that prevention is always the better solution so we provide you with cover for routine check-ups and treatment plus, in the event of further treatment being required, both basic and major restorative treatment.
Preventative Care
Your health and well-being and that of those you love and value is of paramount importance. Expatriate Healthcare is committed to keeping you all healthy by providing regular health checks and tests. These include vaccinations, annual medical check-ups and cervical smears.
We even provide for prostate cancer screening and mammograms for the over 45’s.
Dental Care
Your general health and well-being also extends to your dental health. Good dental health requires regular and routine check-ups and resulting restorative treatment can be costly.
Expatriate Healthcare understand that prevention is always the better solution so we provide you with cover for routine check-ups and treatment plus, in the event of further treatment being required, both basic and major restorative treatment.
Optical Care
Changes to your eyesight are inevitable. That’s why Expatriate Healthcare provide a benefit covering the cost of an annual eye examination for each person insured under the policy.
Where there is a change to your prescription we will also cover you for the cost of prescription lenses (including standard contact lenses).
Maternity Care
We know that when you are expecting a baby, you need to feel confident that appropriate care is available.
Once you have been covered by the policy continuously for 12 months, if you become pregnant, we provide for your antenatal appointments in the run up to the big day and for the delivery itself. And to get you back on your feet in those early days, we also allow for home nursing for 5 days after home delivery.
Complementary Medicine / Therapies
Should you be prescribed complementary treatment, we cover chiropractic help, osteopathy, homeopathy and acupuncture.
24hr Emergency Assistance
In the event of an emergency, one simple call to Expatriate Healthcare’s assistance service provider and arrangements will be made for you to be transported to the nearest location for appropriate treatment.
Through our multilingual 24-hour support partner, we will liaise with you, your family and the local healthcare services, keeping you continually updated.
24 hour Emergency Medical Assistance is standard on all of our international healthcare plans.
AIDS/HIV and Chronic Conditions
We understand that not all medical conditions can be cured.
Chronic conditions usually require you to have regular check-ups, nursing care and routine or daily medication. Thankfully, with the right medical support, many people can live a relatively normal life whilst suffering with a chronic condition. However, the financial implications can be devastating.
We support you by providing benefits in respect of both HIV and chronic conditions.
Premium Rewards
Premium Rewards are our way of rewarding customers who remain claim free by discounting future premiums by up to 20%. Simply put: if don’t make a claim in a policy year you can earn a discount of up to 10% on your subsequent annual premium, up to 15% for two years without a claim and up to 20% for 3 years claims free or greater, as the table below demonstrates.
| Claim Free Period | | | |
|---|---|---|---|
| 1 year | -5% | -10% | -10% |
| 2 years | -7.5% | -15% | -15% |
| 3+ years | -10% | -20% | -20% |
If you are a Select customer claims under the Maternity, Dental, Optical or Preventative Services will not affect your entitlement to Premium Rewards.
Premium Rewards are also available to new customers who are insured elsewhere. Simply demonstrate the period you have been claim free, purchase a similar level of insurance and you’ll enjoy discounted premiums.
Notes:
New customers claiming Premium Rewards must provide proof of the period they have been claims free from their current insurer. Cover must be current, continuous and without any break. A comparable level of cover must be purchased from us.
In the event that you do need to claim, you will lose two years of your Premium Reward entitlement, so if you’ve been claims free for three years you wont fully lose your entitlement.
Our Partners
As Featured In
FAQs International Healthcare Plans
