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Expat Health Insurance

Depending on your location, choosing the right expat health insurance policy could literally be the difference between life and death.

Last updated 7 November 2017

For UK residents, having access to the NHS is often taken for granted. In many of the popular expat destinations around the world, such a service isn't available for free and medical treatment can be expensive if the right Health Insurance policy is not taken out.

Often expats who are relocated as part of their work will be covered under a group medical insurance program through their employer, but expats who are not already covered for health insurance should purchase an international medical policy immediately.

Depending on your location be covered with a health insurance policy which provides worldwide medical protection and also including evacuation services could mean the difference between life and death.

As with all insurance policies, the cost of expat health insurance can vary dramatically. Quite often, though, costs are reasonable and in many cases, less expensive than coverage would be in the UK.

Finding the right expat health insurance

If you are an expat, or intend to be on an international assignments for six months or longer, you should consider an expat health insurance policy which includes the following options:

  • Emergency medical evacuation, at no additional cost
  • Coverage of hospitalisation, physician, surgeon, specialist fees, and prescription drugs
  • Portability ensuring you can take insurance with you across borders if you have to relocate
  • Choice of quarterly, semi-annual, and annual payment plans to suit your financial needs
  • Advanced payment for medical treatments and procedures
  • Inclusion of children (some policies may include a number of children free of charge)
  • Wellness benefit can be applied to an annual physical, mammogram, or colonoscopy
  • Optional coverage includes: dental, vision, accidental death and dismemberment, or war and terrorism related injuries
  • Short-term travel medical coverage for when you take short trips outside your country of residence

Experts for Expats has been featured in...

The Times - Thousands of retiring Britons vote for Brexodus - click to see article
Saga - Want to retire in the EU? What could the future hold for you? - click to see article
The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article
The Observer - How to relocate overseas - click to see article
BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
MailOnline - A third of British expats would like to move back to the UK and 40% admit they are homesick... but they will stay abroad for a better quality of life - click to see article

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Wills introduction in Germany

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The referral by Experts for Expats led me to a couple of advisers that provided exactly what I required. The adviser clarified what would be best for me as an individual with limited understanding of pension transfer implications and confirmed that I was correct in stepping away from what had been put in front of me by previous cold-callers.

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Pensions introduction in North America