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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...

BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
The Telegraph - The surprising places British expats can earn the most - click to see article
The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article
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
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

What expats say about our experts

I would just like to thank you very much for putting me in touch with a specialist in your network. He was an enormous help to me and seemed to have a good understanding of my situation and was able to address my questions very adeptly and very quickly. I spoke with him last week and it was really helpful, as was his follow-up email.

Patricia M.

Split year treatment, UK tax return introduction in Switzerland

Dealing with financial issues from overseas is stressful and difficult. You take away that stress.

Darren C.

Tax introduction in Japan

The service was excellent. The work I needed done was complicated and beyond me. It was completed over the weekend before Christmas, and I received the first rebate from HMRC on Jan 2nd. I cannot recommend the consultant too highly!

Peter B.

UK Tax Return introduction in Spain

So good to talk to someone with professional experience of expat issues without having to shop around to find someone first.

Gillian B.

Wills introduction in Germany