Long term international health insurance

Comprehensive International health insurance choices made easy

The Long-Term International Health Insurance Plan for individuals and families working or living overseas.

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Are you going abroad long term?

Simple, affordable private health insurance solutions that are designed to meet your global medical needs

Our Long-Term plan ensures you have prompt access to leading private medical treatment throughout the world. From cancer cover to MRI scans and maternity care - our team will take care of you and your family every step of the way. You can choose from a range of options to meet your needs and budget.

Have a question or need more information?

+44 (0) 203 418 0470

Monday to Friday, 9am to 5pm (GMT)

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The benefits you'll have abroad whilst you're with us

  • 1st class service and support whenever you need us
  • Freedom to choose where to be treated within your area of cover
  • 24/7 multi-lingual assistance in the event of medical emergencies
  • Multi-currency claims settlement within 5 working days
  • Access to leading medical facilities throughout the world

The benefits of our Long-Term International Health Insurance Plan

Our Long-Term healthcare insurance solutions are suitable for expatriates of most nationalities as well as many local nationals around the world.

And, if you travel from one country to another, our insurance plan will keep you protected every step of the way with continued access to the same level of care, so long as the country you're moving to is within your chosen area.*

You can also choose to reduce your premium by selecting a voluntary plan excess.

*There are some countries where the plan is not available due to local insurance regulations or exchange controls

A few extra things to know about our Long-Term Health Insurance plan

What is the difference between international health insurance and travel insurance?

International health insurance is designed for expatriates or anyone living, working, or travelling abroad for an extended period. Generally, international health insurance will provide access to leading private medical facilities, with a wide range of comprehensive medical insurance benefits. Whilst most travel insurance policies will provide emergency medical coverage before returning you to your home country, and feature alongside core benefits such as travel delays, cancellations, baggage, and belongings.

Do I need to fill out a medical questionnaire?

New customers under the age of 65 years, will qualify for our Moratorium underwriting term, which does not require a completed medical questionnaire. The Moratorium specifies that any pre-existing medical conditions that have been diagnosed, treated, consulted, or had symptoms in the past 2 years will be excluded from cover.

Am I too old to take out international health cover?

The maximum age limit for new customers is 70 years.

How can I reduce my premium?

There are 7 Voluntary Excess options to choose from to reduce your annual premium.

£100 / $200 / €150                              5% discount

£250 / $500 / €375                             10% discount

£500 / $1,000 / €750                          15% discount

£1,000 / $2,000 / €1,500                    20% discount

£2,500 / $5,000 / €3,750                    30% discount

£5,000 / $10,000 / €7,500                 40% discount

£10,000 / $20,000 / €15,000            50% discount

What cover is available outside the chosen zone?

If you choose to be insured on an Area One ‘Worldwide excluding the USA and Caribbean’ basis you will have access to an Out of Area benefit which grants 60 days of cover for acute medical treatment in the USA and Caribbean per policy year. Area Two ‘Worldwide’ coverage is also available.

What are my payment options?

The plan is available in GBP, USD and EURO’s and can be paid on an annual, quarterly, or monthly basis.

In some countries an additional Insurance Premium Tax may apply on top of the premium. We will let you know if this applies to you.

Will I have cover for pre-existing medical conditions?

The plan is not intended to provide cover for medical conditions that have been in existence in the two years immediately prior to its start date.

Any medical condition that is already in existence will not be eligible for cover, unless you have purchased our benefit add on for Pre-existing Condition Cover.

What our customers say
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