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Expat Medical Insurance

A fundamental asset whilst 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.

It is a little-known fact that airlines routinely refuse sick passengers to board aircraft (due to airline liability issues). Individuals with medical problems are simply too great a risk for airlines to assume liability.

If your medical condition does allow you to fly back your home country at best you will most likely have to joins the waiting lists for treatment - these long waits may well compromise your medical conditions and medical outcomes.

If you are a UK national we also now know that the UK will refuse NHS (National Health Service) cover for expats if they have been absent from the UK too long.

Most expatriates are highly unlikely to benefit from any host countries free medical service - even if one exists !!

(Please visit our expat travel insurance page If you require medical insurance for short periods of travel up to one year)


For example, a simple accident resulting in a broken bone in a slip or fall could result in a bill of around £7,000 in Morocco and £15,000 in Singapore.

Treatment for stomach problems usually requires two to three days in hospital and would cost around £2,000 in France (although expatriates who have a European Health Insurance Card can get treatment in Europe at reduced costs) and £3,000 in the Caribbean. However in Turkey the bill could be as much as £5,000.

Still unsure of the value or need of medical insurance ?

Watch the harrowing video of Peter Robinson - you may think differently afterwards

As you can see the costs for hospitalisation do vary considerably but all have two things in common :

  • Hospitalisation is not cheap
  • Hospitalisation costs will not go down - medical inflation does tend to increase at a faster pace than normal inflation driven by advances in medical science.

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 and contracts that have proven and demonstrable track records.

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.

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

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 Robinson's video above as just one example.

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 purchase the IMG Global Medical Insurance directly.


William Russell Elite Plans

Comprehensive Packages


William Russell Essential Plans

Budget Friendly


IMG Global Medical Plans

Comprehensive Packages