Private international medical insurance
Private international medical insurance plans cover your healthcare costs wherever you are. Coverage is highly customizable, and usually includes in-patient, out-patient, health and wellbeing, evacuation, dental, and vision treatment, along with premium other benefits. Global policies are often renewable annually.
Key benefits:
Truly Comprehensive Global Coverage: Whereas domestic policies often halt at borders, international policies offer a seamless health safety net across multiple countries. Whether you’re scaling the Alps or diving in Bali, your health remains a priority.
Customizable Plans: The beauty of international health insurance is its adaptability. Catering to globe-trotters, expats, and international families, these policies can be tailored to fit diverse needs, including maternity care, dental coverage, or even specific conditions.
Consistent High-Quality Care: Different countries have different medical standards. International health insurance often aligns with top-tier medical providers globally, ensuring you receive quality care regardless of the location.
Emergency Medical Evacuations: Sometimes, the best care might be several miles away. In dire situations, international coverage can bear the significant costs of transporting you to a better-equipped medical facility, even if it's in another country.
Navigating Foreign Healthcare Systems: Dealing with medical issues in a foreign country can be daunting. International health insurers often have a network of hospitals and specialists worldwide, guiding you to the right care promptly.
Bridging Language Gaps: A health crisis in a non-native speaking country can be intimidating. International policies often come with multilingual support, eliminating language barriers during critical moments.
Individual plans
Private international health insurance provides basic or comprehensive coverage for expats living abroad. These plans are ideal for expats and their families, individuals with dual residences, multinational employers, and more.Often, these global citizens are not eligible for domestic health plans, or the local coverage and policies are lacking for their global standards. The best international health insurance plans offer:
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Hospital and out-patient medical treatment when you need it
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Several levels of coverage to meet almost any expat health insurance budget
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Multiple deductible / no deductible options to keep your premiums low
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Choice of global medical care excluding or including the USA
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Emergency medical evacuation and repatriation, especially in countries with limited medical care
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24/7 medical advice and support
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Preventative and wellness care
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Dental and vision
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Maternity coverage if required, after 12 month waiting period
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A sizeable medical network around the globe for direct reimbursement via an international medical insurance card
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Wide choice of premium payment via USD, Euro or GBP for payment and reimbursement
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Freedom to choose your hospital or doctor
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Disability (Income protection)
International income protection is an essential safety net for expatriates, global professionals, and individuals working across borders. Recognizing the uncertainties of working in diverse socio-economic environments, this insurance ensures that if an individual becomes unable to work due to illness or injury, they receive a regular replacement income, regardless of where the incident occurs or where they reside.
It bridges the gap between local policies, which might not be applicable or sufficient outside the home country, and the genuine needs of global citizens. By offering a consistent protection umbrella, international income protection allows individuals to maintain their standard of living and financial responsibilities, ensuring peace of mind in an interconnected world.
If you can’t work, income protection can support you and your family financially by paying you a proportion of your lost earnings while you focus on your recovery.
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Critical Illness Coverage
International critical illness coverage stands as a beacon of security for individuals navigating the complexities of global lifestyles.
Designed to offer a financial safety net, this coverage provides a lump-sum payment to policyholders diagnosed with specific serious illnesses, no matter where in the world the diagnosis takes place.
Whether it's cancer, a heart attack, or other major health adversities, the global nature of this insurance ensures that geographical boundaries don't hamper one's ability to manage the financial implications of critical ailments. As the world becomes increasingly interconnected, with people living and working across continents, international critical illness coverage offers a universally applicable layer of protection against life's most unforeseen health challenges.
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