If you are fortunate to come from a country that provides free medical cover you will be acutely aware of Governmental attempts to curb the rising costs of healthcare provisions.
We read, almost on a daily basis, about service cuts, hospital closures and waiting lists that now extend to months and even years in some cases. Returning home for expatriates to receive free medical provision is therefore very often not an option, expat medical insurance is designed to provide that all important financial buffer when you need treatments and care.
(Please visit our expat travel insurance page If you require medical insurance for short periods of travel up to one year)
Global research of healthcare costs has found that many popular destinations for expats have some of the highest hospital charges in the world.
Surveys looking at the costs for short stays in hospital to treat issues such as stomach problems, gastroenteritis, ear infections and hospital treatment for broken bones revealed that the costs of medical care vary significantly but even in ‘cheaper’ countries you could still face huge bills.
South Korea $6,200
Costa Rica $9,500
It is a little-known fact that airlines routinely refuse sick passengers to board aircraft due to liability issues.
If you are a UK expat national, the NHS will refuse cover if you have been absent too long.
Without private medical insurance you will be subject to queues and waiting lines that could impact treatment & survival.
Hopefully whilst reading this you are in good shape and you are fit and healthy - the trouble is that guaranteeing you remain fit and healthy is impossible !!
Sadly we are all subject to what 'life throws at us :
these are events that we do not plan or schedule for, but they are events that occur daily and for many people
Being an expat does not provide immunity - take a look at Peter Robinsons' - a true case of a retired fireman who suffers an unexpected stroke in Manila without medical insurance nor financial resource, this is just one example of an expat catastrophe.
Learn more about each of the elite and the more budget friendly packages below.
We will gladly assist in the preparation of quotations to meet your specific requirements or choose to purchase the IMG Global Medical Insurance directly.
Having read this far the chances are that you are rightly concerned about the sudden impact a set of hospitalisation bills could have on your finances.
You may also have recognised that owning expat medical insurance is essential financial protection
The selection of your medical insurance provider and the plan itself is extremely important as it can have long-lasting implications.
In recommending expat medical insurance plans we have very strict criteria as to what is and what is not acceptable to ourselves and our clients.
We choose only to advise on those companies that have proven themselves worthy with demonstrable track records of service.
We are not a 'cost-compare' advisor - we do not advise purely on price - we do however advise on value, claims handling, service standards, features and benefits and the all important terms & conditions within an expat medical insurance plan.
Our experience and rigorous due diligence enables us to recommend contracts that will provide the protection you require when the need arises.
Expat medical insurance plans are designed for the following groups of individuals although the list is not exhaustive :
Please note that dependent on the geographical cover you select in your plan and any Governmental warning on safe travel, some country restrictions may apply.
Antigua and Barbuda,AG
Bolivia - Plurinational State of,BO
Bonaire - Sint Eustatius and Saba,BQ
Bosnia and Herzegovina,BA
British Indian Ocean Territory,IO
Central African Republic,CF
Cocos (Keeling) Islands,CC
Congo - The Democratic Republic of the,CD
Falkland Islands (Malvinas),FK
French Southern Territories,TF
Heard Island and McDonald Islands,HM
Holy See (Vatican City State),VA
Iran - Islamic Republic of,IR
Isle of Man,IM
Korea - Democratic People's Republic of,KP
Korea - Republic of,KR
Lao People's Democratic Republic,LA
Macedonia - The Former Yugoslav Republic of,MK
Micronesia - Federated States of,FM
Moldova - Republic of,MD
Northern Mariana Islands,MP
Palestine - State of,PS
Papua New Guinea,PG
Saint Helena - Ascension and Tristan da Cunha,SH
Saint Kitts and Nevis,KN
Saint Martin (French part),MF
Saint Pierre and Miquelon,PM
Saint Vincent and the Grenadines,VC
Sao Tome and Principe,ST
Sint Maarten (Dutch part),SX
South Georgia and the South Sandwich Islands,GS
Svalbard and Jan Mayen,SJ
Syrian Arab Republic,SY
Taiwan - Province of China,TW
Tanzania - United Republic of,TZ
Trinidad and Tobago,TT
Turks and Caicos Islands,TC
United Arab Emirates,AE
United States Minor Outlying Islands,UM
Venezuela - Bolivarian Republic of,VE
Virgin Islands - British,VG
Virgin Islands - U.S.,VI
Wallis and Futuna,WF
Each medical insurer will have differing criteria as to how they evaluate pre-existing conditions.
Some insurers may accept a certain pre-existing condition whilst others may either apply a premium load or exclude the pre-existing condition.
If you have a known pre-existing condition you should contact us in the first instance in order that we can best advise.
There are two types of medical underwriting:
Fully underwritten plans offer the advantage that clients know in advance if cover applies in respect of any pre-existing conditions.
A policy excess is that part of a claim that will not be covered by an insurance policy.
For example if you have a policy with a USD 100 policy excess it simply means that the insurance company will settle claims above the USD 100 excess amount.
So if you have a claim totalling USD 500 and your policy has a USD 100 excess (also known as a deductible) the insurance company will calculate USD 500 minus USD 100 = USD 400 claim settlement.
Many expat medical insurance providers offer cover for dental, optical and maternity benefits.
The table of benefits brochures downloadable on our expat medical insurance page provide further detail on these optional extras.
All plans offered by the insurers we recommend provide lifelong cover - you will never have cover declined in the future due to your age
Travel insurances are specifically designed for short term periods overseas (up to 3 years).
In contrast expat medical insurance is designed for expats and global travellers who anticipate being overseas for longer periods.
In addition expat medical insurance can provide long term chronic illness protection which is not included in travel insurance policies.
Absolutely - all expat medical insurance plans that we recommend include medical evacuation cover