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Expat Medical Insurance

Expat medical insurance should be a fundamental asset for you and your family 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)

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 case as just one example.


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.

The research found that the average estimated cost in 2015 for three of the most common health claims abroad (ear infection, gastroenteritis and a broken bone following a fall) is:

£7,278 / US$11,322 in Singapore

£6,311 / US$9,818 in Egypt

£5,978 / US$9,300 in Turkey

£5,911 / US$9,195 in Greece

£5,578 / US$8,677 in Thailand

£5,244 / US$8,157 in Cyprus

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.

However its at this point that utmost care and attention to detail is extremely important - the selection of your medical insurance provider and the plan itself requires close scrutiny as it can have long-lasting implications.

For 30+ years as expat financial planning advisers we have routinely be targeted by insurance companies to help sell their insurance plans.

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 and 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 which we do not compromise on.

Our experience and due diligence enables us you to benefit from contracts that will provide the protection you require when the need arises and saves you the time and resource to research , comprehend and compare the multitude of policies on the market.

Choose between comprehensive and budget friendly essential medical insurance contracts

The tables of benefits outlined below represent the types of cover available for both the all-inclusive comprehensive packages and the more budget friendly offerings.

We will gladly assist in the preparation of quotations to meet your specific requirements - simply use the quotation request button.

Comprehensive plan benefits

Essential plan benefits