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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 homeif you are an 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

william-russell-essential-plan

William Russell
Lite Plans

2 Budget Friendly Packages

img-global-medical-insurance-plan

IMG
Global Medical Plans

3 Comprehensive Packages

expatriate-global-healthcare

Expatriate Group
Plans

3 Comprehensive Packages

william-russell-elite-plan

William Russell
Elite Plans

3 Comprehensive Packages

Review The Latest Covid-19 Medical Insurance Updates


For travellers and expats concerned with the Covid-19 pandemic and how it may affect your medical insurance plans please click on the links to obtain the latest information releases:

Is expat medical insurance needed if you are 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 and often when we least expect it :

  • 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 the case of Peter Robinson - a retired fireman who suffers an unexpected stroke in Manila without medical insurance nor the financial resource to handle it, this is just one example of an expat catastrophe.

Not all insurance contracts are 'born equal'


Having read this far you will have recognised that the sudden impact of hospitalisation could be devastating for your finances.

You may also have recognised that owning expat medical insurance is an essential product for financial protection.

The selection of your medical insurance provider and the plan chosen is also extremely important as it will have long-lasting implications.

Take advantage of our experience and expertise


Our 30+ years of advising expat clients in relation to their medical insurance and the associated claims experiences we have built up, enable us to offer an unrivalled service in helping you select the most appropriate provider and plan specific for your circumstances.

We choose only to advise on those companies that have proven and demonstrable track records of service.

We are not a 'cost-compare' advisor - price is important but so are:

  • value
  • claims handling
  • service standards
  • features and benefits
  • terms and conditions

Our experience and rigorous due diligence enables us to recommend contracts that will provide the protection you require when the need arises.

Get in touch and start a conversation.

  • 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

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 and crippling costs - see below.

Global Health Care Cost Indicators

Common medical treatments 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.

Cardiac Arrest

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

Acute Appendicitis

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

Femur Fracture

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

Pneumonia

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

Malaria

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

Gastric

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

FLIGHTS

Due to liability insurance issues airlines have no option but to refuse sick passengers from boarding.

NHS

If you have not been resident in the UK new Government rules allow the NHS to refuse treatment

QUEUES

Do you really want to be subject to queues and waiting lines that could impact treatment & even survival?