International Health Cover

“Health is not valued till sickness comes.”

Thomas Fuller

International Health Cover

What is International Health Cover

The most essential difference in International Health Care is that it covers you for treatment for medical emergencies and illness anytime & anywhere in the world. You can contact the hospital/clinic in the country you are in and can expect that the highest level of medical care to be provided to you with no expensive medical costs involved.

This Health Cover has been designed to give you an access to the worldwide comprehensive healthcare cover you may need.

Key Benefits

  • Instant cover
  • 24 hour support
  • No hospital restrictions
  • Three levels of cover available
  • Full cover for cancer treatments
  • Full cover for inpatient treatments
  • Emergency medical transportation
  • No out-of-pocket inpatient hospital expense
  • Premium rewards – no claims discount up to 20%

Three exceptional medical options for you


The Select plan is one of the most comprehensive worldwide healthcare insurance programs for individuals and families.

With an annual cover of €5,000,000 per person includes chronic, dental and maternity care.Providing exceptional service in case of any illness, the plan also includes preventive care such as travel vaccinations, different types of medical screenings and check-ups.


The Primary Plus plan is the balance between price and quality cover.

Whilst dental, maternity and preventative care treatments are limited, never the less the Primary Plus plan provides for most of the medical needs.

This includes oncology treatments, diagnostic tests, family doctor, parent accommodation, alternative medicine and others.


The Primary plan is based on covering the most common medical issues.

It gives access to inpatient and day-patient treatments, along with emergency, ambulance, palliative and home nursing care.

With annual cover of €1,000,000 it protects the clients health whilst being mindful of the clients budget.

Please note: You will be transferred to the Expatriate Group site for a quotation.

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FAQs International Healthcare Plans

What does international Healthcare Insurance cover?

International Healthcare Cover offers instant total protection with 24-hour support, wherever you are in the world.

You can choose from one of the three exceptional levels of coverage to suit your needs.
You will find the choices here: Schedule benefits.


What does excess mean?

The term ‘Excess’ (sometimes known as a ‘Deductible’) is the amount of any claim that you will be liable to pay the healthcare facility before any benefits became payable under the policy.

The excess is applied per new medical condition, per policy period.

Which hospitals can I use?

You are entitled to be treated in any hospital of your choice though please ensure that you have your treatment pre-authorised beforehand.
You will find a hospital directory here: Hospitals list.

Please note the directory of hospitals is for information only.

How do I claim?

Expatriate Group always endeavours to settle claims within 5 working days of their substantiation.
To make the process of claiming as simple and painless as possible for you, you will find a claims page on the Expatriate Group’s website here: Make a claim.

What happens if I wish to cancel my policy?

International Healthcare policies can be cancelled any time during your 14-day cooling-off period, so long as you haven’t made a claim, Expatriate Group will refund your premium in full. Cancelling your policy mid-term for a valid reason, provided you haven’t claimed, Expatriate Group will refund your premium based on a scale.
For further information please see General Conditions, Policy wording, page 10.