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expat-medical-insurance

Expat Medical Insurance

An essential asset whilst living or working overseas

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)

What are typical costs for hospital treatment?

Research shows that the cost of medical treatment varies widely around the world but even in the less expensive countries you can find yourself saddled with substantial charges - see below.

Global Health Care Cost Indicators

Costs of common medical treatment can cost thousands

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.

Heart Attack

Singapore $8,500
Beijing $12,800
Cancum $21,300

Pneumonia

Austria $25,000
Melbourne $75,500
Beijing $94,500

Femur Fracture

Portugal $8,400
Austria $16,900
Thailand $44,800

Malaria

Liberia $3,100
Kenya $4,000
South Korea $6,200

Acute Appendicitis

Bahamas $3,800
Costa Rica $9,500
Chile $10,200

Gastric

China $1,300
Togo $1,600
Thailand $2,000

FLIGHTS

It is a little-known fact that airlines routinely refuse sick passengers to board aircraft due to liability issues.

GOVERNMENT HELP

If you are a UK expat national, the NHS will refuse cover if you have been absent too long.

QUEUES

Without private medical insurance you will be subject to queues and waiting lines that could impact treatment & survival.

Do I really need expat medical insurance - I'm fit and healthy?

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 :

  • unforeseen accidents
  • a sudden illness
  • a critical illness diagnosis

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.

Choose between comprehensive and budget friendly essential medical insurance contracts

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.

william-russell-elite-plan

William Russell
Elite Plans

Comprehensive Packages

william-russell-essential-plan

William Russell
Essential Plans

Budget Friendly

img-global-medical-insurance-plan

IMG
Global Medical Plans

Comprehensive Packages

Not all insurance contracts are 'born equal'

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.

  • FAQ's
    • Who are expat medical insurance plans designed for?

      Expat medical insurance plans are designed for the following groups of individuals although the list is not exhaustive :

      • individuals working overseas

      • retirees

      • vacationers

      • housewives

      • students

    • Are there geographical restrictions with expat medical insurance plans?

      Dependent on the geographical cover you select in your plan and any Governmental warning on safe travel, some country restrictions may apply.

      Please refer to the following Governmental travel advisory websites.

      UK Government Foreign Travel Advice

      US State Dept Travel Advisory

    • Which countries are included within an expat medical insurance plan?

      Expat medical insurance plans will provide cover for the following countries .



      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.

      UK Government Foreign Travel Advice

      US State Dept Travel Advisory

      Afghanistan,AF

      Åland Islands,AX

      Albania,AL

      Algeria,DZ

      American Samoa,AS

      Andorra,AD

      Angola,AO

      Anguilla,AI

      Antarctica,AQ

      Antigua and Barbuda,AG

      Argentina,AR

      Armenia,AM

      Aruba,AW

      Australia,AU

      Austria,AT

      Azerbaijan,AZ

      Bahamas,BS

      Bahrain,BH

      Bangladesh,BD

      Barbados,BB

      Belarus,BY

      Belgium,BE

      Belize,BZ

      Benin,BJ

      Bermuda,BM

      Bhutan,BT

      Bolivia - Plurinational State of,BO

      Bonaire - Sint Eustatius and Saba,BQ

      Bosnia and Herzegovina,BA

      Botswana,BW

      Bouvet Island,BV

      Brazil,BR

      British Indian Ocean Territory,IO

      Brunei Darussalam,BN

      Bulgaria,BG

      Burkina Faso,BF

      Burundi,BI

      Cambodia,KH

      Cameroon,CM

      Canada,CA

      Cape Verde,CV

      Cayman Islands,KY

      Central African Republic,CF

      Chad,TD

      Chile,CL

      China,CN

      Christmas Island,CX

      Cocos (Keeling) Islands,CC

      Colombia,CO

      Comoros,KM

      Congo,CG

      Congo - The Democratic Republic of the,CD

      Cook Islands,CK

      Costa Rica,CR

      Côte d'Ivoire,CI

      Croatia,HR

      Cuba,CU

      Curaçao,CW

      Cyprus,CY

      Czech Republic,CZ

      Denmark,DK

      Djibouti,DJ

      Dominica,DM

      Dominican Republic,DO

      Ecuador,EC

      Egypt,EG

      El Salvador,SV

      Equatorial Guinea,GQ

      Eritrea,ER

      Estonia,EE

      Ethiopia,ET

      Falkland Islands (Malvinas),FK

      Faroe Islands,FO

      Fiji,FJ

      Finland,FI

      France,FR

      French Guiana,GF

      French Polynesia,PF

      French Southern Territories,TF

      Gabon,GA

      Gambia,GM

      Georgia,GE

      Germany,DE

      Ghana,GH

      Gibraltar,GI

      Greece,GR

      Greenland,GL

      Grenada,GD

      Guadeloupe,GP

      Guam,GU

      Guatemala,GT

      Guernsey,GG

      Guinea,GN

      Guinea-Bissau,GW

      Guyana,GY

      Haiti,HT

      Heard Island and McDonald Islands,HM

      Holy See (Vatican City State),VA

      Honduras,HN

      Hong Kong,HK

      Hungary,HU

      Iceland,IS

      India,IN

      Indonesia,ID

      Iran - Islamic Republic of,IR

      Iraq,IQ

      Ireland,IE

      Isle of Man,IM

      Israel,IL

      Italy,IT

      Jamaica,JM

      Japan,JP

      Jersey,JE

      Jordan,JO

      Kazakhstan,KZ

      Kenya,KE

      Kiribati,KI

      Korea - Democratic People's Republic of,KP

      Korea - Republic of,KR

      Kuwait,KW

      Kyrgyzstan,KG

      Lao People's Democratic Republic,LA

      Latvia,LV

      Lebanon,LB

      Lesotho,LS

      Liberia,LR

      Libya,LY

      Liechtenstein,LI

      Lithuania,LT

      Luxembourg,LU

      Macao,MO

      Macedonia - The Former Yugoslav Republic of,MK

      Madagascar,MG

      Malawi,MW

      Malaysia,MY

      Maldives,MV

      Mali,ML

      Malta,MT

      Marshall Islands,MH

      Martinique,MQ

      Mauritania,MR

      Mauritius,MU

      Mayotte,YT

      Mexico,MX

      Micronesia - Federated States of,FM

      Moldova - Republic of,MD

      Monaco,MC

      Mongolia,MN

      Montenegro,ME

      Montserrat,MS

      Morocco,MA

      Mozambique,MZ

      Myanmar,MM

      Namibia,NA

      Nauru,NR

      Nepal,NP

      Netherlands,NL

      New Caledonia,NC

      New Zealand,NZ

      Nicaragua,NI

      Niger,NE

      Nigeria,NG

      Niue,NU

      Norfolk Island,NF

      Northern Mariana Islands,MP

      Norway,NO

      Oman,OM

      Pakistan,PK

      Palau,PW

      Palestine - State of,PS

      Panama,PA

      Papua New Guinea,PG

      Paraguay,PY

      Peru,PE

      Philippines,PH

      Pitcairn,PN

      Poland,PL

      Portugal,PT

      Puerto Rico,PR

      Qatar,QA

      Réunion,RE

      Romania,RO

      Russian Federation,RU

      Rwanda,RW

      Saint Barthélemy,BL

      Saint Helena - Ascension and Tristan da Cunha,SH

      Saint Kitts and Nevis,KN

      Saint Lucia,LC

      Saint Martin (French part),MF

      Saint Pierre and Miquelon,PM

      Saint Vincent and the Grenadines,VC

      Samoa,WS

      San Marino,SM

      Sao Tome and Principe,ST

      Saudi Arabia,SA

      Senegal,SN

      Serbia,RS

      Seychelles,SC

      Sierra Leone,SL

      Singapore,SG

      Sint Maarten (Dutch part),SX

      Slovakia,SK

      Slovenia,SI

      Solomon Islands,SB

      Somalia,SO

      South Africa,ZA

      South Georgia and the South Sandwich Islands,GS

      South Sudan,SS

      Spain,ES

      Sri Lanka,LK

      Sudan,SD

      Suriname,SR

      Svalbard and Jan Mayen,SJ

      Swaziland,SZ

      Sweden,SE

      Switzerland,CH

      Syrian Arab Republic,SY

      Taiwan - Province of China,TW

      Tajikistan,TJ

      Tanzania - United Republic of,TZ

      Thailand,TH

      Timor-Leste,TL

      Togo,TG

      Tokelau,TK

      Tonga,TO

      Trinidad and Tobago,TT

      Tunisia,TN

      Turkey,TR

      Turkmenistan,TM

      Turks and Caicos Islands,TC

      Tuvalu,TV

      Uganda,UG

      Ukraine,UA

      United Arab Emirates,AE

      United Kingdom,GB

      United States,US

      United States Minor Outlying Islands,UM

      Uruguay,UY

      Uzbekistan,UZ

      Vanuatu,VU

      Venezuela - Bolivarian Republic of,VE

      Viet Nam,VN

      Virgin Islands - British,VG

      Virgin Islands - U.S.,VI

      Wallis and Futuna,WF

      Western Sahara,EH

      Yemen,YE

      Zambia,ZM

      Zimbabwe,ZW

    • Are pre-existing conditions covered within an expat medical insurance plan?

      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.

    • What types of medical underwriting are offered for expat medical insurance plans?

      There are two types of medical underwriting:

      • Morotorium

      • Fully underwritten at application stage

      Fully underwritten plans offer the advantage that clients know in advance if cover applies in respect of any pre-existing conditions.

    • What are policy excesses within an expat medical insurance plan?

      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.

    • Are dental, optical and maternity covered in an expat medical insurance plan?

      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.

    • Is lifetime cover offered in an expat medical insurance plan?

      All plans offered by the insurers we recommend provide lifelong cover - you will never have cover declined in the future due to your age

    • Should I buy a travel insurance plan or an expat medical insurance plan?

      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.

    • Will medical evacuation cover be provided within an expat medical insurance plan?

      Absolutely - all expat medical insurance plans that we recommend include medical evacuation cover